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OCBC
Get cash in minutes with OCBC ExtraCash Loan or EasiCredit. Attractive rates from 10.08% p.a., flexible terms, fast digital approval, and funds credited to your account instantly.
OCBC offers the ExtraCash Loan and EasiCredit line for Singaporeans and PRs, including foreigners, looking for quick financial options. ExtraCash Loan allows you to borrow up to 6x your monthly salary, with rates from just 10.08% p.a. (EIR from 10.96% p.a.) and tenures from 12 to 60 months. For those who need standby cash, EasiCredit provides a flexible line of credit that can be accessed instantly, and interest is charged only on what you use, starting from 0.06% per day (22.90% p.a.).
Both products require the applicant to be at least 21 years old. For Singaporeans and PRs, the minimum annual income is S$20,000. Foreigners need at least S$45,000 per year. The application uses Myinfo, which makes the process fast—approvals and access to funds can be almost immediate.
How to Apply in Three Simple Steps
1. Connect via Myinfo for a fast application process.
2. Review your pre-filled details and submit your application.
3. Upon instant approval, receive SMS and email links to access your loan account or disbursed funds.
Top Advantages
OCBC’s process is nearly instantaneous when applying via Myinfo, with digital access to cash or credit right after approval. There’s a wide range of income eligibility, and multiple loan tenures are available, supporting both planned and urgent borrowings.
Potential Disadvantages
Rates for lower-income borrowers can be high. There are also downtimes for system and Myinfo maintenance, which may delay approval or disbursement if you apply during those periods.
Verdict
OCBC ExtraCash Loan and EasiCredit are highly attractive for individuals needing quick cash or a flexible line of credit in Singapore. The instant approval and digital process make them efficient choices for personal finance needs.
