UOB Cashplus after 3 months

Maybe I was stupid but I took a cashplus loan earlier this year because my father needed help. After 3 months zero interest, I'm still paying off slightly more than minimum sum, but the interest is killing me. Im waiting for my bonus next march to one shot clear everything but in the meantime is my credit score going to be affected by this?

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u/Jacky5297 2 1 day ago

uob cashplus? I thought the interest was charged upfront?
u/confusedmortal OP 1 1 day ago

3 months zero interest then afterwards, monthly theres a certain % I can't remember how much now.
u/Branny-Tamisier 1 1 day ago

ya same understanding here, unless they changed the structure recently?
u/smart965 1 1 day ago

Hi OP, Do you have other banks credit card or credit line, if yes apply for the lowest interest loans and comfortable loan repayment tenure and slowly pay it back. Since you waiting for ur bonus to clear it you can consider 6 months balance transfer.
u/confusedmortal OP 1 1 day ago

Don't have, I only have UOB currently.