If you’ve been thinking about consolidating your debts, covering festive expenses, or finally ticking off that big purchase UOB Personal Loan 2025 might just be your best option this month.
With interest rates starting from just 1.52% p.a. (EIR 2.92% p.a.) and instant online approval, this limited-time offer brings together affordability, flexibility, and exciting cash rewards — all in one plan.
Why UOB Personal Loan Is a Smart Choice
Here’s the thing — not all loans are created equal. What makes UOB’s Personal Loan stand out is how fast, transparent, and rewarding it is.
- Instant approval: Apply online during business hours (8am–9pm) and get your decision in minutes.
- Low, fixed interest: Enjoy rates from 1.85% p.a., making repayment predictable and stress-free.
- Flexible tenures: Choose from 1 to 5 years, depending on your budget.
- Attractive rewards: Earn cash or redeem top-tier tech gifts worth up to S$1,299.
Think about it — not only do you get the funds you need, but you’re also rewarded for being financially smart.
Reward Tiers You’ll Actually Love
Here’s how the rewards work for approved loans (applied via MoneySmart):
- S$8,000 – S$9,999: S$120 cash or 1,200 SmartPoints
- S$10,000 – S$14,999: S$180 cash or 2,000 SmartPoints
- S$15,000 – S$19,999: S$300 cash or 4,030 SmartPoints
- S$20,000 – S$29,999: S$400 cash or 6,140 SmartPoints
- S$30,000 – S$49,999: S$600 cash or 7,010 SmartPoints
- S$50,000 – S$79,999: S$800 cash or 10,490 SmartPoints
- S$80,000 & above: S$1,200 cash or 14,335 SmartPoints
Your SmartPoints can be used to redeem gifts like an Apple iPhone 17, Apple Watch Series 10, or iPad Air 128GB. And if you don’t have enough points, you can top them up — giving you full control over what you want to redeem.
How to Qualify for Rewards
To be eligible:
- Apply for a minimum loan of S$8,000 with a tenure between 1 to 5 years.
- Complete your application via MoneySmart.
- Submit your claim before 7th November 2025.
Once approved, your reward will be fulfilled within 4 weeks after the campaign ends — so it’s both fast and reliable.
Why This Matters for You
A personal loan shouldn’t just be about borrowing — it should be about financial confidence. With UOB’s trusted reputation, quick approval, and extra perks, this plan helps you bridge financial gaps smartly and responsibly.
Whether it’s a big-ticket expense or a short-term need, this is your moment to make the most of a great offer before 31 October 2025.
Frequently Asked Questions
1. How fast can I get my UOB Personal Loan approved?
If you apply online between 8am–9pm, approval can be instant — often within minutes during business hours.
2. Is there a minimum loan amount to qualify for rewards?
Yes. You must apply for at least S$8,000 through MoneySmart to qualify for cashback or SmartPoints rewards.
3. When will I receive my gift or cashback?
Rewards are fulfilled within 4 weeks after the campaign ends (31 October 2025).
Join WhatsApp