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

Current Promotion


Receive up to S$320 cashback when you apply for Cash-on-Instalments online!

Promotion valid till 31 March 2020.

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.


Interest rates starting from 4.70% p.a. (EIR 9.06% p.a.)
Enjoy extra cash from interest rates as low as EIR 4.70% p.a. (EIR 9.06% p.a.)

Fixed monthly repayments
Manage your finances with ease of mind through fixed repayment amounts with repayment periods ranging from 1 to 5 years.

Rates and Repayment Periods

Assuming a loan of S$10,000
Repayment Period 12 months 24 months 36 months 48 months 60 months
Interest Rate (p.a.) 4.70%
Fee (one-time) 1%
Effective Interest Rate (EIR) 10.45% 9.77% 9.46% 9.24% 9.06%
Monthly Instalment S$872.50 S$455.84 S$316.95 S$247.50 S$205.84

Note: Effective interest rate includes the interest rate (per year) and processing fee.

Loan Calculator

Transaction Amount

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