OCBC Cash-on-Instalments

Convert your 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
Apply now

What is Cash-on-Instalments

Cash-on-Instalments allows you to get extra cash from your Credit Card or EasiCredit account by converting your available credit limit into fixed monthly instalments of 12 to 60 months tenure. The funds will be deposited into your designated bank account upon approval.


Interest rates starting from 0% p.a. (EIR 11.47% p.a.) 
Enjoy 0% p.a. interest (EIR 11.47% p.a.) on our 12-month instalment plan.

Affordable processing fees
One-time processing fee from as low as 2% of approved loan amount.

Current Promotion


Get up to S$300 CapitaVouchers when you apply for Cash-on-Instalments online!
From now till 31 December 2017, successful applicants will enjoy:

  • S$50 CapitaVouchers for approved loan amount between S$7,000 to S$9,999
  • S$100 CapitaVouchers for approved loan amount between S$10,000 to S$19,999
  • S$200 CapitaVouchers for approved loan amount between S$20,000 to S$29,999
  • S$300 CapitaVouchers for approved loan amount of S$30,000 or more

Apply now

Terms and Conditions

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) 0% 5.80%
Processing Fee 6% of the approved loan amount 2% of the approved loan amount
Effective interest rate (EIR) 11.47% 12.80% 12.11% 11.71% 11.38%
Monthly Instalment S$833.33 S$416.67 S$277.78 S$208.33 S$166.67

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)