Products · Personal Loans · Standard Chartered CashOne Personal Loan
Standard Chartered Malaysia
Standard Chartered CashOne Personal Loan
3.6
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.
Data sources:
- Rates verified: 13 Apr 2026