Cash-on-Instalments
Get cash from your unused credit limit
Enjoy long-term cash flow certainty with fixed repayments of up to 60 months.
Low Interest rates
Enjoy interest rates from as low as 3.50% per annum (EIR 6.96% per annum) on our 60-month instalment plan.
Enjoy interest rates from as low as 3.50% per annum (EIR 6.96% per annum) on our 60-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.
The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind.
Assuming a loan of S$10,000
- Interest rate (per annum)
- Processing Fee
- Effective Interest Rate
(EIR %) - Monthly instalment
| Repayment period | 12 months | 24 months | 36 months | 48 months | 60 months |
| Interest rate (per annum) | 3.50% | ||||
| Processing Fee | 1% of the approved loan amount | ||||
| Effective Interest Rate (EIR %) | 8.27% | 7.57% | 7.27% | 7.09% | 6.96% |
| Effective Interest Rate (EIR S$) | S$862.50 | S$445.83 | S$306.94 | S$237.50 | S$195.83 |
| Repayment period |
| Interest rate (per annum) |
| Processing Fee |
| Effective Interest Rate (EIR %) |
| Monthly instalment |
Note: Effective Interest Rate (EIR) includes the interest rate (per annum) and processing fee.
Find out your monthly repayment
Calculate your monthly repayment
Here is how much you need to pay
Your monthly payment
S$ 862.50
Processing fee
S$ 100.00
Interest rate per annum
3.5%
Effective Interest Rate (EIR) per annum
8.27%
Eligibility requirements
Minimum age
21 years old
Annual income
S$20,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners
Product holding
Existing OCBC Credit Card or OCBC EasiCredit account holder
Terms and conditions
No access to OCBC Internet Banking
Do not have access to your OCBC Internet Banking account? Contact our 24 hours hotline at +65 6363 3333 to apply.
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.
Cashback
| Approved loan amount | Cashback |
| S$10,000 – S$29,999 | 1.5% on approved loan amount |
| S$30,000 or more | 2% on approved loan amount Get up to S$3,200 cashback based on your approved loan amount. |
New to Cash-on-Instalments*
| Approved loan amount | Additional Cashback |
| S$10,000 or more | S$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.