OCBC Cash-on-Instalments

Convert your unused credit limit into
extra cash with fixed repayments


  • 21 years old and above
  • For Singaporean / Singapore PR: Annual Income of S$20,000 and above
  • For Foreigner: Annual income of S$45,000 and above
  • You must be an existing OCBC Credit Card or OCBC EasiCredit Holder
Apply now

What is Cash-on-Instalments

Cash-on-Instalments allows you to get extra cash by converting your unused credit limit from your OCBC Credit Card or EasiCredit account.

  • Fixed monthly instalments of 12 to 60 months tenure
  • Funds will be deposited into your designated bank account upon approval
  • View rates and tenures


Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.)
Enjoy extra cash from interest rates as low as 5.80% p.a. (EIR 11.38% p.a.) on our 12-month instalment plan.

Fixed monthly repayments
The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind.

Limited Time Offer


Get a cash loan with the lowest interest rate in town at 3.50% p.a. (EIR from 6.96% p.a.).

It doesn’t get any lower than this! Exclusively for new to OCBC Credit Card and EasiCredit customers. Valid from now till 31 January 2019.

Apply now

"Lowest Rate in Town" is based on a market comparison for personal loans that are more than 24 months tenure as of 10 October 2018.

Rates and Tenures

Assuming a loan of S$10,000
Repayment period 12 months 24 months 36 months 48 months 60 months
Interest Rate (per year) 5.80%
Processing Fee 2% of the approved loan amount
Effective interest rate (EIR) 14.33% 12.80% 12.11% 11.71% 11.38%
Monthly Instalment S$881.67 S$465 S$326.11 S$256.67 S$215

Note: Effective interest rates include interest rate (per year) and processing fee. Processing fee will be deducted from your loan amount before it is transferred.

Loan Calculator

Transaction Amount

Monthly Instalment:
Processing Fee:
Interest Rate
Effective Interest Rate (EIR)

Ready to get started?

OCBC Cash-on-Instalments - Submit Online

New to OCBC Credit Card and EasiCredit customers

Apply Online

Existing OCBC Credit Card or EasiCredit customers

Apply Online

Other ways to apply

  • Call us at 1800 363 3333
  • SMS this line to 72222:
    <CW> space <Name> space <NRIC>

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