Instant Loan
Fast cashwhen you need it most from 2.79% p.a. (EIR 5.27% p.a.)

Instant Loan repayment calculator
How much do you need?
Months to repay
60 months

3 months
60 months
Monthly repayment
Total repayment
2.79% (EIR 5.27% p.a.)
This is a simplified illustration of monthly repayment and the actual rate offered to you may differ
Meet your urgent cash needs
with Instant Loan in 60 seconds
Instant Loan is now open to all new Trust customers

Low rates, no fees

Meet your emergency needs with our personal loan and pay it off on your next payday. Apply now with no processing or hidden fees. Seriously!

Flexible repayments
Need a quick cash boost? Choose your desired personal loan amount and tenure with Instant Loan. Repay with fixed instalments over 3 to 60 months - it's your call!
Fast approval,
fast cash
Get your personal loan deposited into your Trust savings account in seconds to help finance emergency needs.
You're in full control
Once your loan is deposited, you can easily view your loan instalments and outstanding remaining amount in Trust App. Plus, you can save on interest when you repay your loan early at any time!
Have questions?
We have answers
Instant Loan is a bank loan in Singapore that allows you to convert a portion of your Trust credit card available credit balance into cash.

For existing customers,

  • You must have a Trust credit card to be eligible for Instant Loan and have sufficient available credit limit For new customers,
  • Singaporean Citizens, Permanent Residents and Foreigners are currently eligible for Instant Loan.
  • All loan applications will be subjected to the bank’s credit checks for loan eligibility.

You can apply for a credit facility if:

  • You are between 21 years old and 65 years old; and
  • Have an annual income of S$30,000 if Singaporean citizen or permanent resident; or
  • Have an annual income of S$60,000 if foreigner with a valid work pass
Get the extra cash you need without the extra fees. Trust has no processing or hidden fees. We only charge a 3% early repayment fee on your outstanding principal amount when you repay early.
Your loan instalment will be charged to your credit card bill on a monthly basis, which you can pay through your credit card statement. Simply tap on Trust App > Money > Credit Card > Pay credit card.
The interest rate offered to you is based on your loan amount, loan tenure and personal credit profile. Hence it may differ from the one displayed on our website.
*Effective Interest Rate (EIR) is calculated based on a loan amount of S$90,000 and loan 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: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law.
Apply now.
Use instantly.
Receive a S$10 FairPrice E-Voucher on us when you make your first credit card spend. Also, get up to S$60 in FairPrice E-Vouchers when you successfully refer your first 3 friends to Trust. T&Cs apply.
Trust App > Rewards > Stamp Cards for more details.
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