Standard Chartered Malaysia
Standard Chartered CashOne Personal Loan
Products · Personal Loans · Standard Chartered CashOne Personal Loan
Best for
Digitally-inclined professionals who want same-day disbursement and no processing fee or early settlement penalty
Rate
6.49%–14.50%p.a.
Min. Income
RM 2,000/mo
Max Tenure
60months
Pros
- Fastest disbursement — conditional approval and disbursement within 1 business day
- No processing fee and no early settlement penalty — zero hidden exit costs
- RM2,000 minimum income — accessible for fresh graduates and junior earners
- No branch visit required — fully digital application
Cons
- Floor rate 6.49% flat — competitive but ceiling reaches 14.5% for lower-credit applicants
- Maximum tenure 5 years — shorter than most local banks (7 years)
- Minimum loan RM3,000 — not suitable for amounts below this
- Only 35 branches — minimal in-person support if issues arise
Full specifications
| Interest Rate | 6.49% – 14.50% p.a. |
| Rate Type | flat |
| Loan Amount | RM 3,000 – RM 150,000 |
| Tenure | 12 – 60 months |
| Min Income | RM 2,000/month |
| Age | 21 – 60 years |
| Apply Online | Yes |
| Approval Time | ~1 business days |
How does Standard Chartered CashOne Personal Loan compare?
See how it stacks up against other personal loans from Malaysian banks.
Rates from Standard Chartered Malaysia, verified 13 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.