At a Glance

Low Interest rates#

Save on interest charges with rates from as low as 3.98%p.a (7.23%p.a EIR)*

Loan tenure of up to 8 years

Fixed monthly instalments over tenure of 1 to 8 years

Consolidate all your outstanding across all banks

Ease of repayment to a single loan with automated monthly deductions

Bundled with a Credit card for your daily expenses

Get a credit card with credit limit of 1x monthly income

# Effective Interest Rate (inclusive of processing fee)
The interest rate offered to you is based on your personal credit profile and may differ from the published rate and the rate offered to other borrowers.


How it Works


Eligibility & Fees


Nationality Singaporean/Permanent Resident
Age 21 - 65 years old
Annual Income >=30k to < $120k
Balance to Income Ratio (BTI) More than 12 times of monthly income


Processing Fee $99
Early Settlement Fee 5% on the outstanding loan amount at the point of settlement
Late Fee $90


Calculate the monthly repayment with our handy calculator!

Monthly Repayment Calculator


Visa Credit Card

DBS Debt Consolidation Plan comes with a DBS VISA Platinum Credit Card to provide you with a convenient mode of payment for managing your daily essentials.

  • This Card only have a maximum credit limit of 1x monthly income.
  • No annual fee.

Click here to find out more about DBS Card fee and charges.


Mandatory Documents

  1. Copy of NRIC (Front and Back) AND
  2. Latest Credit Bureau report3 AND
  3. Income documents (any ONE of the following)

Frequently Asked Questions

Click here to find out more.

Terms and Conditions

Click here to find out more.

1 Calculated based on 25.9%p.a
2 Calculated based on 3.98%p.a (AIR), 7.23%(EIR)
AIR - Applied Interest Rates EIR - Effective Interest Rates (inclusive of processing fee)
3 You can obtain a copy of your Credit Bureau report in-person either at CBS office or any SingPost branches, or through with your SingPass. A transactional fee of S$6.42 (inclusive of GST) applies.
4 You can now print your Income Tax Notice of Assessment at myTax Portal with your SingPass or IRAS PIN. The service is free. Log on to for more details.
5 Please note that your CPF documents submitted online are only available for up to 7 days from the date of submission.
6 Income documents are not required on condition that your salary is credited via GIRO, to your own Personal POSB/DBS Account for at least 3 consecutive months. The Bank will review, and if necessary, adjust the current combined credit limit of all unsecured accounts based on the latest salary crediting information provided.
7 DBS reserve the rights to reject any of the documents provided. 

Applications not accompanied with required documents or with incomplete information will cause a delay in processing


How to Apply

Call us at 6878 6887 between 9am – 6pm, Monday to Friday (except Public Holidays)
Request a call back Leave your contact details for us to call you back

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