Trust Personal Loan
Updated: 11 Sept 2025
Loan | Annual Interest Rate | Monthly Repayment | SingSaver Reward | Trending Reward | EIR | Total Cost of Loan | ||
|---|---|---|---|---|---|---|---|---|
 | 1.56 % | S$436 | S$410 | 3.00 % p.a. | S$702 |
- 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
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.
⚡ SingSaver 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$600 Bonus Cash on top of existing rewards, total rewards up to S$1,850 Cash!
💰 S$50,000 and above S$1,250 (New) / S$1,230 (Existing)
+ S$600 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 Sep to 14 Sep 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.
Loan details
Key features
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Interest rates from 1.56% p.a. (EIR from 3.00% p.a.) (Until 14 Sep 2025)
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Loan tenures from 3 to 60 months (up to 5 years)
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No processing or hidden fees; 3% early repayment fee applies on outstanding principal if repaid early
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Loan amounts depend on available credit limit on Trust credit card
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Instant cash disbursement to Trust savings account upon loan approval
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Fixed monthly repayments charged to your Trust credit card bill
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View and manage loan easily via Trust App
Repayment
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Annual interest rate: From 1.99% p.a. (Until 31 August 2025)
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Effective Interest Rate (EIR): From 3.80% p.a. (Until 31 August 2025)
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Handling fee: None (no processing fee)
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Early repayment fee: 3% of outstanding principal if repaid early
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Approval duration: Instant approval and instant cash disbursement into Trust savings account
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Loan amount: Based on credit card available limit
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Minimum loan tenure: 3 months
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Maximum loan tenure: 60 months
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Minimum annual income: S$30,000
Eligibility
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Citizenship: Singaporeans, PRs, and foreigners with valid work passes
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Age: 21–65 years old
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Employment: Salaried or self-employed, sufficient income required
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Annual income: Minimum S$30,000 for citizens/PRs, S$60,000 for foreigners with valid work pass
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Must hold Trust credit card (for existing customers)
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Subject to credit checks
Fees and charges
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Processing fee: None
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Early repayment fee: 3% on outstanding principal if repaid early
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Late payment fees as per credit card terms
Other notable features
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Manage loan and repayments via Trust app
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No collateral or guarantor needed
Pros and cons
Pros
Low interest rates from 1.99% p.a.
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
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.
Comparison to other loans
|
Loan |
Monthly Repayment |
Annual Interest Rate |
Total Cost of Loan |
EIR |
|
Trust Bank Instant Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
|
CIMB Personal Loan |
S$291 |
1.56 % |
S$468 |
2.99 % p.a. |
|
UOB Personal Loan |
S$293 |
1.85 % |
S$555 |
3.40 % p.a. |
|
Standard Chartered CashOne Personal Loan |
S$291 |
1.60 % |
S$480 |
3.07 % p.a. |
|
DBS Personal Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
|
GXS FlexiLoan |
S$293 |
1.88 % |
S$564 |
3.47 % p.a. |
|
HSBC Personal Loan |
S$296 |
2.20 % |
S$660 |
4.00 % p.a. |
|
EZ Loan |
S$377 |
11.88 % |
S$3,564 |
11.88 % p.a. |
|
Cash Direct |
S$374 |
11.60 % |
S$3,480 |
11.60 % p.a. |
|
Credible.sg Personal Loan |
S$378 |
12.00 % |
S$3,600 |
14.00 % p.a. |
|
JD Credit Pte Ltd |
S$402 |
14.88 % |
S$4,464 |
14.88 % p.a. |
|
POSB Personal Loan |
S$294 |
1.99 % |
S$597 |
3.80 % p.a. |
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.