MariBank Instant Loan Singapore
Updated: 30 Oct 2025
Secure fast approval with MariBank Instant Loan in Singapore. Compare exclusive loan deals, calculate repayments easily, and apply online instantly.
Why Trust SingSaver
Loan | Interest Rate | Monthly Repayment | SingSaver Reward | Trending Reward | Total Interest Payable | EIR | |
|---|---|---|---|---|---|---|---|
 | Starting from 1.86 % | S$440 | S$210 | S$837 | Starting from 3.56 % p.a. |
Looking for options ? Explore latest offers from top lenders in SingSaver.
Interest Rate
Starting from 1.86 %Monthly Repayment
S$ 440EIR
Starting from 3.56 % p.a.Total Interest Payable
S$ 837For a MariBank Instant Loan of S$15,000 over 36 months, you’ll enjoy via Singsaver:
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 1.86% p.a. (EIR 2.79%*) with short term repayment (less than 1 year) options available
- Flexible repayment options with tenure up to 60 months
- Fast disbursement within 10 seconds
- Loan drawdown size available from as low as S$100
- 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
- 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. Interest beyond the current billing cycle will no longer be charged.
Eligibility
Minimum Age: 21 years
Min. Annual Income: S$30,000
Required Documents
- 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 1.86% p.a. (EIR ~2.79%)
No processing fee and zero hidden charges
Fast online approval and near‑instant cash disbursement
Wide borrowing range and flexible tenure
Cashback or rewards for qualifying loan amounts
Cons
Annual fee of S$199 in year one (can affect EIR if not waived)
No late‑fee waiver unless full instalments paid consecutively for 6 months
Best promotional rates require strong credit profile and eligibility
Not available to applicants below 21 or over 65 years old
💰 MariBank Instant Loan Overview
Key Features
- Interest rates from 1.86% p.a. (EIR ~2.79%)
- 0% processing fee - entire loan amount disbursed
- Instant approval & disbursement to any bank account (within ~15 minutes)
- Loan tenure from 1 to 5 years (12 – 60 months)
- Loan amount from S$1,000 up to 4× your monthly income (or 8× if annual income ≥ S$120,000)
- Special SG60 cashback: S$60 for every S$6,000 approved (for tenures ≥3 years)
How to Apply
- Apply online with SingPass MyInfo – no documents needed for Singaporeans/PRs
- Select your desired loan amount, tenure, and payout account
- Review your customised interest rate, EIR, and estimated monthly instalment
- Submit application: if approved, funds arrive in your bank account instantly or within minutes
Interest & Repayment
- Flat rates start from 1.86% p.a. (EIR from ~2.79%) for tenures of 3–5 years
- Example: Loan of S$10,000 over 36 months → total repayable ≈ S$10,160; monthly ≈ S$847
- Flexible minimum repayment: after 6 consecutive full instalments you can pay as low as S$50/month without late charge
Fees & Charges
- Processing Fee: Waived (0%)
- Annual Fee: S$199 charged in 1st year only (waived thereafter if payments on time)
- Late Payment Fee: ~S$50 plus daily interest at EIR 29.9% p.a. if instalments unpaid
- Early Repayment Fee: S$150 or 3% of outstanding principal (whichever higher)
Other Notable Features
- Borrow up to 8× monthly income if annual salary ≥ S$120,000
- Loan funds can be used for any purpose - no need to justify (e.g. renovation, education, travel)
- Flexible partial repayments after 6 months without penalties
FAQ
An instalment loan that converts part of your Mari Credit Card limit into cash, disbursed to your bank account.