Trust Instant Loan from 1.00% p.a. + Up to S$1,750 Cash (EIR 2.28% p.a.)
Updated: 15 Apr 2026
✅ Instant approval, no collateral, money credited fast.
⚡ Limited Time Offer!
Get up to S$1,750 when you apply today! Be sure to use code SINGSAVE on the app!
💡 Enter a loan amount (from S$8,000) + tenure ≥ 36 months to see your reward
1. Download the Trust App and navigate to the Instant Loan section
2. Fill out an application and submit all required documents
3. Wait for approval of personal loan
- LOWEST Interest Rates in the Market from 1.56% p.a. (EIR 3.00%* p.a.) with no processing or hidden fees (until further notice)
- Flexible repayments. Choose your desired personal loan amount and tenure. Repay with fixed instalments over 3 to 60 months.
- Fast approval in 60 seconds.
- *EIR calculated based on loan amount of S$90,000 and tenure of 60 months from 1 Jan 2024. Maximum EIR may be up to 22.34% p.a. based on your personal credit profile.
- Deposit Insurance Scheme: SGD deposits of non-bank depositors are insured by the SDIC, for up to S$100,000 in aggregate per depositor per Scheme member by law.
- Min. age requirement: 21 years old
- Minimum annual income of S$30,000 for Singaporean citizen or PR or S$60,000 for foreigners with valid work pass
- Effective Interest Rate (EIR) is calculated based on a loan amount of S$20,000 and loan tenure of 60 months from 1 Jan 2026. Maximum EIR may be up to 25.03% p.a. based on your personal credit profile.
- We charge a 0.88% first year annual fee and this is illustrated in the EIR above. Subsequent annual fee may be applicable, please see our Instant Loan Key Facts Sheet for more details.
1. NRIC (Front & Back)
2. Salaried employees: Latest month’s computerised payslip or latest 6 months’ CPF contribution history statement
3. Self-employed individuals: Last 2 years’ Income Tax Notice of Assessment
4. Commission-based earners: Latest 3 months payslip or latest 6 months' CPF contribution history statement
The information displayed above is for reference only. The actual rates offered to you will be based on your credit score and is subject to the provider's approval.
✅ Why choose this loan / ⚠️ Things to note
Pros
Low interest rates
No processing or hidden fees
Fast cash disbursement into Trust savings account
Flexible terms from 3 to 60 months
Easy repayment via credit card bill
View loan details anytime via Trust app
Cons
Early repayment incurs 3% fee on outstanding principal
Loan amount limited by credit card available limit
Not applicable for property or vehicle financing
Frequently asked questions about Trust personal loans
Yes, Trust Bank offers personal loans through its Instant Loan product, allowing customers to convert part of their Trust credit card available credit into cash loans with flexible terms and low interest rates.
You can apply for a Trust Personal Loan via Singsaver or the Trust app, selecting the Instant Loan option, choosing your loan amount and tenure, and submitting your application. Approval is usually instant, and funds are disbursed immediately to your Trust savings account.
Generally, a low credit score varies by lender; Trust Bank does not publicly specify exact score thresholds but credit checks are performed to assess eligibility. Lower scores may reduce approval chances or affect interest rates.
The loan amount depends on your available credit limit on your Trust credit card and your personal credit profile, with a minimum of S$500 and maximum limited by your credit limit minus a buffer.
Yes, but a 3% fee on the outstanding principal applies.
Loan details
⚡ Trust Bank Instant Loan Overview
Key Features
- Headline rates from 1.00% p.a. (EIR from 2.28% 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)
How to Apply
- Download and log in to the Trust App (requires Trust credit card)
- Go to “Instant Loan” under the Money menu
- Select desired loan amount and tenure and view your personalised rate
- Confirm and submit – funds deposited instantly into Trust savings account (if approved)
Interest & Repayment
- Advertisement rate from 1.00% p.a., with EIR starting at ~2.28% p.a. based on a S$50,000 / 60‑month benchmark
- Loan of S$10,000 over 36 months: total repayable approx. S$10,468; monthly instalment ~S$291 (based on EIR 3.00%)
- 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
How to apply for a Trust personal loan
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Click the “Apply Now” button on this page.
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Apply for the Instant Loan via your Trust credit card.
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Choose your desired loan amount and tenure (3 to 60 months).
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Submit your loan application; approval is instant, subject to credit checks.
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Upon approval, loan amount is disbursed instantly into your Trust savings account.
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Repay monthly instalments via your Trust credit card bill.
Related pages
Personal loan pages
Loan providers
🎁 Limited Time Stackable Offer
💵 Get up to S$1,250 Cash + S$500 Bonus Cash when you apply today!