Tap on your unused credit limit and receive up to $3,888 cashback!
Turn your unused credit limit into cash, without the need for additional income documents
Repay with fixed instalments over 12 to 60 months
Interest rates from as low as 3.50% per annum (EIR 6.96% per annum)
Singaporean or Singapore PR above 21 years old with an annual income of at least $20,000
Foreigner above 21 years old with an annual income of at least $45,000
Best for those who prefer to pay a fixed sum every month.
Key in the amount you would like to convert to Cash-on-Instalments and select your loan tenure to see how much you have to repay monthly.
Calculate your monthly repayment
I would like to pay the yearly premium for 0
For loans with less than 1 year in repayment schedule, please check out Balance Transfer.
Total amount you need to pay
One-time processing fee (0% of approved amount)
0% interest p.a. (EIR: 0%)
Total repayment amount*
How you will repay the loan
You have a total repayment amount of $0 over 0 with fixed monthly instalments.
You will need to pay $0 every month for 0 year.
Here’s an illustration of what will happen if you were to take out a loan from your existing EasiCredit or credit card account.
21 years old
$20,000 and above for Singaporeans and Singapore PRs
$45,000 and above for foreigners
Existing OCBC Credit Card or OCBC EasiCredit account holder
Terms and conditions
Apply for Cash-on-Instalments today
An EasiCredit account or OCBC Credit Card is required to apply for Cash-on-Instalments.
Application for EasiCredit account
Apply for an EasiCredit account. Terms and conditions apply.
Once your EasiCredit account is approved, return to this page to apply for Cash-on-Instalments.
|Loan tenure||Approved loan amount||Cashback|
|36, 48 or 60-months||$10,000 – $29,999||1.6% on approved loan amount|
|$30,000 or more||2% on approved loan amount
Get up to $3,788 cashback based on your approved loan amount.
New to Cash-on-Instalments*
|Approved loan amount||Additional Cashback|
|$10,000 or more||$100|
*For new to OCBC Cash-on-Instalments customers who do not have a Cash-on-Instalments loan with OCBC 12 months prior to this application.