Standard Chartered Cash One Personal loan


standard charteredlpersonal loan

Standard Chartered Cash One
Starting from 0.75% pm. Enjoy from 9% to 12.5% Interest Rates depending on amount borrowed
From RM 1,000 to a maximum of RM 150,000 financing.
Maximum 5 years repayment
For single applicant from 21 to 60 years of age
Opens to any Malaysian and non Malaysian citizens.
Only for Standard Cantered Platinum credit card holders.
Minimum income of RM 4,000 per month

Standard Chartered Cash One is an unsecured personal loan that requires no guarantor and collateral. This loan features a 24 approval processing with financing from RM 1,000 to a maximum of RM 150,00,00 financing.  You will need to apply a Standard Chartered Platinum credit card before you are eligible for Cash One. Cash One offers from 9% to 12.5% flat interest rates depending on amount  borrowed. This would translate to 15.71% p.a EIR. The maximum tenure for the loan is 5 years.


This loan requires no processing fees with 0.5% charge of stamping fees based on borrowed amount.  There are no lock in period while borrower have to write in with advance notice to settle the loan. GST is applicable for any service charge


This loan is open to Malaysians and other nationals which means that you do not need to have a Malaysian citizenship to apply for the loan. You will need to have a minimum salary of RM 4,000 while being 21 years old to 60 years of at the end of loan tenure.

Documents required


  • Copy of IC (Both sides)
  • Latest one month salary slip and one month bank statement
  • Most recent EPF statement
  • Most recent Income tax form

Self Employed

  • Copy of IC (Both sides)
  • Most recent 6 months bank statement and business registration certificate.
  • Latest EPF statement if available or substitute by most recent B form for income tax


How is this loan different from others ? 

Cash One offers integration with Standard Chartered credit cards for new personal loan applicants. You will be able to raise your credit card limit when you have paid your personal loan. For example , if you have made RM 10,000 loan repayment in 6 months time, your credit card limit will be raised to additional RM 10,000. This would be great for people or businesses that need good cash in short period of time. Do bear in mind that credit cards are subjected to annual charge of RM 50 government tax although 5 years waive are give to your annual fees if you use Cash One with Standard Chartered credit card.

While other banks personal loan are only open to Malaysians, Cash One is available to other nationals too. At the time of writing, Standard Chartered offers a RM 50 welcome bonus when you apply your loans online.