MariBank Instant Loan Singapore
Updated: 2 Jul 2026
✅ Fast Approval, Disbursement & Flexible Loan Tenure
Loan | Interest Rate | Monthly Repayment | SingSaver Reward | Trending Reward | Total Interest Payable | EIR | |
|---|---|---|---|---|---|---|---|
 | From 1.28 % | S$433 | - | - | S$576 | From 2.46 % p.a. |
MariBank Instant Loan
Existing MariBank Customers:
- Log in to the MariBank app.
- Tap Instant Loan on the home screen → Apply.
- Register via Singpass.
If eligible, Instant Loan access is granted immediately. Upon approval, a virtual Mari Credit Card (and Savings Account if not held) is issued
New Users:
- Download the MariBank app.
- Register with a valid Singapore mobile number.
- Select Instant Loan during onboarding.
Apply via Singpass, and receive a virtual credit card & Instant Loan access upon approval
- Lowest interest rate starting from 1.28% p.a. (EIR 1.92%*) with short term repayment (less than 1 year) options available
- Flexible repayment options with tenure up to 60 months
- Fast disbursement within 10 seconds
- Once Interest Loan is approved, a Mari Credit Card will also automatically be issued
- *EIR is calculated based on 3 months tenure with lowest Nominal Interest Rate (NIR) at 1.86% p.a., customer’s NIR and EIR may vary based on individual’s personal profile
- Customers must download the MariBank App to view eligibility on running campaigns
- Min. age requirement = 21 years old
- One-time early repayment fee of $100 or 3% of the remaining unpaid principal amount, whichever is higher (or such rate as MariBank may determine) will apply.
- Singpass for digital identity verification (required in the app).
- Mari Savings Account and Mari Credit Card will automatically be opened/issued once Instant Loan is approved.
🏛️ MariBank Instant Loan at a Glance
Pros
Market‑lowest headline rate from 1.28% p.a. (EIR from ~1.92% p.a.)
No processing fee and zero hidden charges
Fast online approval and near‑instant cash disbursement
Wide borrowing range and flexible tenure
Cons
Best promotional rates require strong credit profile and eligibility
Not available to applicants below 21 or over 65 years old
Frequently Asked Questions about the MariBank Instant Personal Loan
An instalment loan that converts part of your Mari Credit Card limit into cash, disbursed to your bank account.
Age 21–55: S$30k; 55+: S$15k, for SG/PR applicants.
No processing fee. Early full repayment: S$100 or 3% of remaining principal (whichever is higher).
They appear on your Mari Credit Card statement (posted on the 21st each month).
💰 MariBank Instant Loan Overview
Key Features
- Interest rates from 1.28% p.a. (EIR from ~1.92% p.a.)
- 0% processing fee - entire loan amount disbursed
- Instant approval & disbursement to any bank account (within ~15 minutes)
- Loan tenure from 3 – 60 months
How to Apply
- Download the MariBank app from the Apple App Store, Google Play Store, or Huawei AppGallery.
- Register with a valid Singapore mobile number.
- Select “Instant Loan” and start your application via the product selection page.
- You will be instantly issued with a virtual Mari Credit Card and access to the Instant Loan feature upon approval.
- Apply for an Instant Loan with SingPass MyInfo – no documents needed for Singaporeans/PRs
- Submit application: if approved, funds arrive in your bank account instantly or within minutes
Fees & Charges
- Processing Fee: None
- Annual Fee: None
- Late Payment Fee: 27.99% p.a. if statement is not paid in full; 30.99% p.a. if minimum payment is not met
- Early Repayment Fee: S$100 or 3% of outstanding principal (whichever higher)