DBS Personal Loan

DBS personal loan


DBS Cashline
  • Get cash up to 4X1 your monthly salary or 10X1 if your annual income is S$120,000 and above
  • Quick access to cash using funds transfer, complimentary chequebook or withdraw from DBS/POSB ATMs islandwide with no withdrawal fee
  • Payments are flexible and you only pay interest on what you use
  • Cashline provides up to 4 times financing based on borrower’s monthly income however this will depends very much on the borrower’s annual income. The effective interest rate is 25.8% per annum for minimum gross annual income of S$20,000 to below S$30,000 and 19.8% for S$30,000 and above.

    This loan features a 1.48% monthly interest rates which is quite hefty however borrowers will only have to pay for the interest only when cash line is being used. DBS Cashline features a same day approval if for branches application.

    Fees and charges

    Late payment fee is 2.5% out of outstanding balance or S$50 whichever is higher. Cashline comes with an annual fee of $80 which is waived for the first year.. A penalty of $90 will also be charge for any late payment when using Cashline.


    Upon Cashline approval, applicants will receive a Cashline chequebook and debit card within 7 working days where withdrawal of loan can be performed.


    Cashline is open to Singaporeans and permanent residents with minimum yearly income of $20,000. This loan is also opens with foreigners however with a minimum yearly income of $45,000. A foreigner will also need to have a 6 months valid employment pass. All applicants will have to be 21 years to 70 years of age at the end of loan tenure.

    Documents required

    • NRIC front and back
    • Most recent Payslip
    • Most recent 1 year CPF statement
    • Most recent income tax assessment

     Self Employed

    • NRIC front and back
    • Latest 2 years income tax notice assessment


    • Valid passport and employment pass.
    • Payslip
    • Certificate of employment
    • Most recent income tax assessment