Trust Bank Instant Loan Singapore : Instant Cash from 1.99% p.a. (EIR 3.80%)

Updated: 9 Aug 2025

Access instant cash via Trust Bank Instant Loan at headline rates from 1.99% p.a. (EIR ~3.80%), zero processing fees, flexible tenures, and cashback rewards via SingSaver.
Loan
Monthly Repayment
SingSaver Reward
Annual Interest Rate
Total Cost of Loan
EIR
Trust Bank Instant Loan
Trust Bank Instant Loan
S$883
S$410
1.99 %
S$1,791
3.80 % p.a.

⚡ SingSaver SG60 Flash Deal⚡

Apply and get approved for a Trust Bank Instant Loan (minimum loan amount S$15,000, 36-month tenure) to unlock up to S$660 Bonus Cash on top of existing rewards, total rewards up to S$1,910 Cash!

💰 S$50,000 and above
S$1,250 (New) / S$1230 (Existing)
+ S$660 Bonus

💰 S$30,000 – S$49,999
S$640 (New) / S$600 (Existing) 
+ S$300 Bonus

💰 S$20,000 – S$29,999
S$420 (New) / S$380 (Existing)
+ S$200 Bonus

💰 S$15,000 – S$19,999
S$310 (New) / S$270 (Existing) 
+ S$100 Bonus

💰 S$10,000 – S$14,999
S$180 (New) / S$160 (Existing)

💰 S$8,000 – S$9,999
S$100 (New) / S$80 (Existing) 

🎯 How to Qualify

  • Offer valid from 1 Aug to 14 Aug 2025
  • Apply for a Trust Bank Instant Loan with a minimum loan amount of S$15,000
  • Choose a tenure of at least 36 months
  • Get cash rewards via PayNow based on your approved loan amount
  • Open to new and existing Trust Bank customers.
Get S$20 Extra when you Submit Your Form in Time!
Get an extra S$20 Shopee voucher via WhatsApp when you submit your rewards form within 13 days of your bank application, on top of your selected reward! Valid for DBS, GXS, HSBC, POSB, SCB, Trust Bank, and UOB personal loans.
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Best for instant cash access

Trust Bank Instant Loan

Trust Bank Instant Loan

Interest Rate
1.99 %
Monthly Repayment
S$ 883
EIR
3.80 % p.a.
Total Interest Payable
S$ 1,791

SingSaver Reward up to S$1,910

SingSaver's take

Loan details

⚡ Trust Bank Instant Loan Overview

Key Features

  • Headline rates from 1.99% p.a. (EIR from ~3.80% p.a.
  • No processing or hidden fees on the loan
  • Funds deposited instantly into your Trust savings account via Trust App after approval 
  • Borrow from as little as S$500 up to your available credit card limit (minus buffer)
  • Flexible repayment tenure from 3 to 60 months
  • Available to Singaporeans, PRs (minimum income S$30k) and foreigners with valid work pass (income S$60k) 
  • Exclusive SingSaver SG60 Flash Deal: up to ~S$1,910 cashback for loans ≥ S$8,000 (36–60 months) 

How to Apply

  1. Download and log in to the Trust App (requires Trust credit card) 
  2. Go to “Instant Loan” under the Money menu
  3. Select desired loan amount and tenure and view your personalised rate
  4. Confirm and submit – funds deposited instantly into Trust savings account (if approved) 

Interest & Repayment

  • Advertisement rate from 1.99% p.a., with EIR starting at ~3.80% p.a. based on a S$50,000 / 60‑month benchmark
  • Loan of S$10,000 over 36 months: total repayable approx. S$10,597; monthly instalment ~S$294 (based on EIR 3.80%)
  • Early full settlement allowed with a fee of 3% of outstanding principal (no partial early repayment) 

Fees & Charges

  • Processing Fee: 0% (no upfront charges)
  • Late Payment Fee: ~S$100 per missed instalment plus interest at high rate (~18‑29% EIR) 
  • Early Repayment Fee: 3% of remaining principal (full settlement only) 

Pros & Cons

✅ Pros

  • Super fast approval & cash disbursement of funds in Trust account within ~60 seconds
  • No processing or hidden fees
  • Very accessible: loan starts from just S$500
  • Flexible tenure choice from 3 to 60 months
  • Foreigners with valid passes & Singapore residents eligible with modest income
  • Flash cashback offers via SingSaver promotions 

❌ Cons

  • Must be a Trust credit card holder as the loan draws on card limit
  • No partial early repayment option, full settlement only with 3% fee
  • Late payments attract high interest plus fixed fee
  • Personalised rates may be higher than the advertised starting rate

Other Notable Features

  • Managed entirely via Trust App—no paperwork or branch visits required 
  • Transparent interest structure - simple interest, no compounding
  • Eligible customers can track repayments, outstanding balance and save on interest by settling early in App