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.

Rates and Tenures

Assuming a loan of S$10,000
Month 12 months 24 months 36 months 48 months 60 months
Fee 2% 2% 2% 2% 2%
Interest Rate p.a 5.80% 5.80% 5.80% 5.80% 5.80%
EIR 14.33% 12.78% 12.12% 11.70% 11.38%
Monthly Instalment 881.67 465.00 326.11 256.67 215.00

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)

Current Promotion


Get S$80 CapitaVouchers for every S$8,000 approved loan amount when you apply for Cash-on-Instalments online! Valid till 30 Apr 2019.

Apply here

Terms and conditions apply