Standard Chartered

Standard Chartered CashOne Debt Consolidation Plan

Consolidate all your personal loans and credit card debts from other banks into CashOne Debt Consolidation Plan to enjoy lower monthly commitment and zero fees!

    • Financing up to RM250k
    • Up to 5 years tenure
    • Unsecured Loan
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Combine Your Debts & Pay Less With Standard Chartered CashOne Debt Consolidation Plan

Complimentary RM 50 Giant Gift Card

Apply online now for Standard Chartered CashOne Debt Consolidation Plan

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Interest rates

How much the bank charges you based on your loan amount & loan period

You BorrowLoan PeriodYour IncomeInterest Rate
up to RM25000012 to 60 monthsmin. RM360006.99% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
As low as 6.99% p.a., depending on loan amount and period
Processing Fee
None
Stamp Duty
None
Early Termination Fee
None

Requirements

Are you eligible for this personal loan?

Minimum annual income
RM36000
Minimum age
21 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Salaried employee

Frequently Asked Questions about Standard Chartered CashOne Debt Consolidation Plan

Things you might want to know

Tell me about Standard Chartered CashOne Debt Consolidation Plan.

Looking for a solution to your financial woes? Well you are on the right track when you sign up for Standard Chartered CashOne Debt Consolidation Plan. This unsecured personal loan offers a low interest rate and high borrowing amount to meet your debt consolidation needs. 

This is no ordinary debt consolidation loan you can find in the market as it comes with a FREE Standard Chartered Visa Platinum credit card once your personal loan application is approved. 

The best part about this special feature is that every time you make your monthly repayment, the paid principal amount will be converted into credit card limit so that you have extra money to spend.

How does Standard Chartered CashOne Debt Consolidation Plan work?

First, you need to apply for Standard Chartered CashOne Debt Consolidation Plan, which you can do so here at RinggitPlus. Note that you can consolidate up to 5 outstanding credit cards and / or personal loans from other banks.

Choose your preferred borrowing amount and your repayment period. Once Standard Chartered has approved your personal loan application, you can cut the trouble of settling all loans on your own as the bank will perform the payments on your behalf.

Please note that you are required to apply for a loan amount that is RM5,000 higher than your loan settlement amounts. For example, if your total loan settlement amount is RM20,000 thus you will need to take a loan of RM25,000 or more.

How fast can I get my money after applying for this debt consolidation plan?

Standard Chartered may take a few business days to process your CashOne Debt Consolidation Plan application. Once the personal loan application has been approved, the cash will be transferred to your Standard Chartered savings account.

What are the fees and charges for CashOne Debt Consolidation Plan?

Applying for CashOne Debt Consolidation Plan is easy and affordable as there are no Stamp Duty fee and Processing Fee once your personal loan application is approved.

You can also settle your debt consolidation loan off anytime before the agreement ends as there is no penalty for early termination of the loan agreement.

Do I get penalized for being late on my CashOne Debt Consolidation Plan payment?

Being late on your monthly instalment payment is not advisable when you are committing to a loan as you will incur unnecessary charges on your outstanding balance. Any default in payment shall be subjected to additional interest at the rate of 1% per annum, calculated on daily rest.

What documents I need prepare for CashOne Debt Consolidation Plan application?

As this is an unsecured personal loan, you don't need to find a guarantor or standby a collateral to back up the application. All you need to prepare is several personal and income documents with your personal loan application form:

Salaried Employee (max age 60 years)

  • Copy of NRIC (front and back)
  • Latest 1 month salary slip, OR
  • Latest EPF statement,
  • Credit Card statement(s)
  • Personal Loan redemption statement.

Am I qualified to apply for Standard Chartered personal loan if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS/ CTOS (a system that collect credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course of action would be to break the habit and start making your payments on time to avoid future hurdles.

Standard Chartered is more likely to approve your personal loan application if you can show that you are managing your personal finances, rather than accumulating more debt.

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