Instant Loans for unplanned expenses
Access cash anytime to stay in control, even when life throws surprises.Get instant funds 24/7
A range of loans, tailored for different financial needs
Fixed or flexible repayment tenures at low interest rates
Instant Loans for unplanned expenses
Overview
Overview
Calculator
Benefits
Guide
FAQ
Find a Loan (Find out which type of loan suits you)
| Unsure of which POSB Instant Loan product to select? Our easy-to-use calculator helps you find the perfect fit with the lowest interest and fees for your needs |
Instant cash 24/7 for all your planned & unplanned expenses
A range of loans, tailored for different financial needs | Enjoy flexible access to funds for short-term needs with Cashline. For large expenses or bill consolidation, manage them confidently with Personal Loan and Balance Transfer. |
Fixed or flexible repayment tenures at low interest rates | Choose your preferred loan product based on their repayment tenures so you can manage your financial goals with ease |
Get instant cash 24/7 | Access cash quickly via digibank once your loan or Cashline account is approved |
| Unsure of which POSB Instant Loan product to select? Our easy-to-use calculator helps you find the perfect fit with the lowest interest and fees for your needs |
POSB Instant Loans
POSB Cashline
For short-term financial needs with more flexibility, get instant cash at 0.07% daily interest rate. Promotion: Unlock up to S$150 cashback when your Cashline is approved – from now until 31 Oct 2026. Terms and conditions apply.
POSB Personal Loan
Manage large expenses confidently with fixed repayment tenures at low interest rates. Promotion: Secure 3% unlimited cashback on your approved loan amount with the promo code “DBSPL” – valid until 31 Oct 2026! Terms and conditions apply.
POSB Balance Transfer
Consolidate outstanding balances into one single bill at 0% interest. Valid for loan tenures of 3, 6 or 12 months.
POSB Instant Loans Guide & Tips
1
Check loan eligibility for each instant loan optionVerify your bank loan eligibility status as a Singapore citizen, permanent resident, or foreigner.
2
Compare interest rates using our calculator
3
Assess your repayment needsChoose a fixed monthly repayment plan of up to 60 months with a Personal Loan or enjoy flexible repayment options with Cashline or Balance Transfer.
4
Evaluate usage flexibilityChoose a POSB Personal Loan for a fixed repayment tenures, Cashline for greater financial flexibility, and Balance Transfer for consolidating bills.
5
Consider cashback benefitsFactor in attractive limited time offers: POSB Personal Loan's 3% unlimited cashback or Cashline's up to S$150 cashback!