Standard Chartered CashOne

Malaysia’s first personal loan that works with a Platinum credit card - access up to RM200,000 financing at a fixed interest rate with flexible repayment terms of up to 5 years.

Standard Chartered CashOneFast & Easy
Interest Rate*
From 7.5% p.a.
up to RM200k
up to 5 years
Loan Type
Unsecured Loan
Min. Income

Loan calculator

Interest rates

Based on your loan amount & loan period, the interest rates are as low as the following

You borrowLoan periodYour IncomeInterest rate
RM3,000 - RM200,00012 to 60 monthsmin. RM36,0007.5% p.a.

Fees & Charges

Interest Rate / APR
As low as 7.5% p.a.,depending on loan amount and period
Processing Fee
Stamp Duty
Early Termination Fee
One month's written notice to the bank is required. The bank will notify the amount payable
Late Penalty Fee
 1%  from current outstanding amount


Minimum Annual Income
Minimum Age
  • 21 to 65 years old
Who can apply
  • Malaysians
  • Malaysia Permanent Residents, and those that are holding any of the bank's Credit Card/Personal Loan/Car Loan/Home Loan for more than 24 months
  • Salaried employee
  • Self-employed

More Information

Why should I get Standard Chartered CashOne Personal Loan?

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

For example, when you repay 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 amounts from RM3,000 to RM200,000 for loan periods between one to five years.

Standard Chartered does not charge a processing fee, early settlement fee or Stamp Duty fee on your CashOne personal loan.

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 are the fees and charges for this Standard Chartered Personal Loan?

Applying for a CashOne Personal Loan is easy and affordable as there are no Stamp Duty Fees or Processing Fees once your personal loan application is approved.

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

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.

Do I get penalised for being late on my CashOne Personal Loan 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 do I need to prepare for the CashOne Personal Loan application?

As this is an unsecured personal loan, you don't need to find a guarantor or standby collateral to back up the application. 

All you need to prepare are several personal and income documents with your application form:

Salaried Employee (max age 60 years)

  • Copy of MyKad/IC (front and back)
  • Latest 1-month salary slip, AND
  • Latest EPF statement from Standard Chartered Bank handheld device

Self-Employed (max age 65 years)

  • Copy of MyKad/IC (front and back)
  • Latest B / BE form with LHDN acknowledgement, OR
  • Latest 6 months company bank statements and SSM validity of 60 days
  • Selected side income documents such as commission income

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

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

Assuming you have poor credit standing due to irregular payments, the best course 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 Standard Chartered CashOne application if you can show that you are managing your personal finances, rather than accumulating more debt.

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