Instant LoanYour dream home makeoverawaits from 1.56% p.a. (EIR 3.34% p.a.^*)
Low rates
Whether you're renovating your home, setting up a baby's nursery or simply getting new furniture, our personal loan has got you covered.
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
There are no annual fees for loans taken before 25 February 2026.
Loans taken from 25 February 2026:
We charge 0.88% first year annual fee on your loan amount to your credit card.
For loan tenures of one year or longer, a $50 fee is charged on the anniversary of each Instant Loan you have with us, if the monthly minimum payment due on your credit card is not received by the due date for the preceding 12 consecutive calendar months.
* 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.
Subsequent annual fee may be applicable, please see the above FAQs and our Instant Loan Key Facts Sheet for more details.
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.
