Apply for POSB Personal Loan

Take up a personal loan using your available credit limit easily via DBS digibot.

Part of: Guides > Your Guide to digibank


Important information

  • Apply for any loan amount within your credit limit, subject to a minimum of S$500.
  • Repay the loan amount over a period of 12, 24, 36, 48 or 60 months. For loan amount less than $3000, the maximum loan tenure is 24 months.
  • DBS/POSB Personal Loan require a Cashline and/or Credit card account to grant the loan amount. If you do not have an existing Cashline / Credit Card Account, please refer here for the required documents.
  • You must own a DBS/POSB deposit account (excluding Joint All, Trust, MSA, SAYE and POSB current accounts) for loan disbursement. Disbursement into other banks is strictly not allowed.

How to apply for POSB Personal Loan

There are various channels which you may apply for POSB Personal Loan with us. The most convenient method would be via DBS digibot.

DBS digibot
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Step 1
Click on located at the bottom right.
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Step 2
Type Personal Loan into the chat.
Next, tap Yes if you are an existing DBS / POSB principal Credit Card holder.
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Step 3
Tap Yes, if you have a DBS / POSB deposit account for loan disbursement.
Next, tap Authenticate me.
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Step 4
Complete the authentication using either your iBanking Login or Card & PIN.
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Step 5
Tap Other Amount if you do not want to utilise your maximum amount provided.
Next, enter your desired amount (minimum S$500, in multiples of S$100).
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Step 6
Tap on your preferred personal loan tenure, follow by the card which you wish to borrow from.
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Step 7
Tap on the preferred account for disbursement.
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Step 8
Verify the Personal Loan application and tap Confirm.
Get the latest POSB digibank Mobile app now!
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Step 1
Log in to digibank Mobile with your Touch / Face ID or digibank User ID & PIN.
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Step 2
Tap on More.
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Step 3
Under Apply, tap on Personal Loan.
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Step 4
Under Cashline Personal Loan, toggle the switch to the right.
Enter your Requested Loan Amount and select your preferred Loan Tenor.
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Step 5
Scroll down and select the DBS/POSB Crediting Account. Tap Next.
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Step 6
Review your application and tap Apply Now to submit the application request.
Get the latest POSB digibank Mobile app now!
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Step 1
Log in to digibank Mobile with your Touch / Face ID or digibank User ID & PIN.
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Step 2
Tap on More.
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Step 3
Under Apply, tap on Personal Loan.
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Step 4
Under Credit Card Personal Loan, toggle the switch to the right.
Enter your Requested Loan Amount and select your preferred Loan Tenor.
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Step 5
Scroll down and select the DBS/POSB Crediting Account. Tap Next.
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Step 6
Review your application and tap Apply Now to submit the application request.
Get the latest DBS digibank Mobile app now!
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Step 1
Log in to digibank Online with your User ID & PIN.
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Step 2
Complete the Authentication Process.
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Step 3
Under Apply, click on Personal Loan.
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Step 4
Under Cashline Personal Loan / Card Personal Loan toggle the switch to select the account type.
Key in your preferred loan amount, tenure and select your Cashline / Credit Card Account.
Select the DBS/POSB Crediting Account and click Next.
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Step 5
Verify your Loan Details and click Submit to complete the transaction.
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Fill up the form and select Use my Card and PIN.
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Under Cashline Personal Loan / Card Personal Loan toggle the switch to select the account type.
Key in your preferred loan amount, tenure and select your Cashline / Credit Card Account.
Select the DBS/POSB Crediting Account and click Continue .
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Verify your application. Check the Terms & Condition box and click Sumbit Application.
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