Standard Chartered

Standard Chartered CashOne

Malaysia’s first personal loan that works with a Platinum credit card - access up to RM250,000 financing at low and fixed interest rate with flexible repayment terms up to 5 years.

    • 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.: -%

Enjoy 6.99% p.a. Low Interest Rate with Standard Chartered CashOne Personal Loan

Complimentary RM50 Giant Gift Card

Apply online now for Standard Chartered CashOne

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Interest rates

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

You BorrowLoan PeriodYour IncomeInterest Rate
RM4000 - 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
Stamp Duty
0.5% of the whole amount
Early Termination Fee
Late Penalty Fee
1% from current outstanding amount


Are you eligible for this personal loan?

Minimum annual income
Minimum age
21 years old
Maximum age
65 years old
Who can Apply
  • Malaysians
  • Standard Chartered Platinum Credit Cardholders

Frequently Asked Questions about Standard Chartered CashOne

Things you might want to know

Any special promotion comes with Standard Chartered personal loan?

Apply online for CashOne Personal Loan and get yourself a Standard Chartered Platinum credit card for FREE once Standard Chartered approved your personal loan application. 

This is no ordinary personal loan bundled with credit card, CashOne personal loan converts your monthly repayments into credit card limit.

Why should I get Standard Chartered CashOne Personal Loan?

This unsecured and flexible personal loan not only charges you a low and flat interest rate, but also automatically converts your monthly repayments into credit card limit, giving your more access to cash on your Standard Chartered Platinum credit card.

For example, when you make a repayment of RM10,000 on your RM25,000-worth CashOne Personal Loan, the repaid amount will be added to your credit card limit. This facility works both ways; should you wish to top-up your personal loan for any reason, this will reduce your credit card limit.

How much money can I borrow?

Standard Chartered CashOne Personal Loan offers borrowing amount from RM4,000 to RM250,000 for loan periods between 1 to 5 years. 

Standard Chartered does not charge processing fee on your CashOne personal loan, you only need to pay a Stamp Duty fee of 0.5% on the total borrowed amount.

How fast can I get my money after applying for this personal loan?

Standard Chartered may take a few business days to process your CashOne personal loan application. Once the personal loan application has been approved, you will receive your money in the bank account of your choice.

What is my monthly commitment?

Your monthly repayment schedule will be detailed in your application approval document. In most cases, your instalment payments begin the month following the date you have received your money, until the end of your personal loan tenure. 

Should you late in your repayment by a month, you will be charged 1% on the unpaid loan amount.

Can I get penalized for settling my Standard Chartered CashOne Personal Loan early?

You can settle your loan off anytime before the agreement ends. There is no penalty for early termination of the agreement, although Standard Chartered reserves the right to charge you for any costs, fees or interest incurred in connection with the cancellation.

What documents I need prepare for CashOne Personal Loan 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 application form:

Salaried Employee (max age 60 years)

  • Copy of NRIC (front and back)
  • Latest 1 month salary slip, OR
  • Latest EPF statement, OR
  • Latest BE Form (Full Submission to LHDN)

Self-Employed (max age 65 years)

  • Copy of NRIC (front and back)
  • Photocopy of Business Registration Form (Form 9,24, and 49), OR
  • Latest EPF Statement, OR
  • Latest 6 months bank statements

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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