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Apr 24, 2026 1646 views

What are the eligibility requirements for OCBC personal loan?

To qualify for an OCBC personal loan in Europe, you must meet the following requirements:

  • Age: 18 years old and above (21+ for some EU countries like Germany and France)
  • Residency: Legal resident of any EU country with valid residency certificate
  • Income: Minimum annual income of €12,000 for EU residents; €45,000 for non-EU residents working in the EU
  • Credit: No recent defaults, bankruptcies, or bad credit records; fair credit score (550+) preferred
  • Bank Account: Valid EU bank account for fund disbursement and repayment

Special Note: Expats in the EU can apply without local credit history (eligible applicants only).

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