A line of credit suitable for people who have cash needs from time to time
An account that gives you standby cash
You have the flexibility to choose how long and how much to repay the amount you borrow.

Easy access to cash anytime via ATM or cheque
Pay interest only on your outstanding amount at the end of each month
Borrow up to 6x your monthly salary
Take as long as you need to pay back outstanding amount
Quick 1-hour approval at a branch

Age 21 and above
Annual income S$20,000 and above
Singaporeans, Singapore PRs and foreigners

How it works
Access your cash loan directly by ATM or cheque
Interest rates
EasiCredit allows you to make flexible repayments with a minimum repayment of as low as 3% a month. You can take as long as you need to make repayments.
Fees & charges

Annual fee
S$80 (waived for the first year if annual income is S$30,000 and above)
Minimum interest charge
Returned cheque
S$40 per cheque
Stop cheque via branch / call centre via online / phone banking
Late payment fee
If annual income is S$30,000 and above: S$85 – S$125*
If annual income is less than S$30,000: S$80
*Subject to 25% of amount due with minimum charge of S$85 and maximum charge of S$125.
Terms and conditions

Easy ways to access and manage your EasiCredit account
Online and mobile banking
Track your money
View your account balance online or on-the-go with free apps for iPad, iPhone and Android phones.
100% secure
Guaranteed a full refund of any money lost due to fraud via online banking.
More about online banking
Sunday banking and longer opening hours
Full Sunday banking service
At 21 of our branches island-wide.
View locations of Sunday banking branches
Longer opening hours
Most of our branches are open till 7pm to serve you better.

Exclusive online offer
Get a free Hugo Boss watch† (U.P.: S$290) when you sign up
for EasiCredit with an approved Balance Transfer or
Cash-On-Instalments amount of S$8,000 and above.
*Terms and conditions apply

2 ways to apply
You are applying for:
OCBC EasiCredit gives you cash for important things in life! Whether it's for your baby's arrival, a wedding or furnishing your dream home, turn these significant moments into lasting memories. What's more, enjoy low promotional interest rates when you apply online now.
At a branch
Quick 1-hour express approval
(Monday to Friday, before 5pm, subject to branch operating hours)
Please bring along:
for Singaporeans and
Singapore PRs
employment pass/work permit or student pass and passport for foreigners
Income documents
Latest computerised/electronic payslip (salaried employees) or;
CPF contribution history of last 6 months (12 months for self-employed and commission-based earners) or;
Latest income tax statement (2 years for self-employed and commission-based earners)
EasiCredit Application
Need Help? Call us at 1800 438 6088 or let us contact you

Post Your Discussions Regarding the OCBC Loans EasiCredit Right Here!