Trust Instant Loan Singapore offers instant approval personal loans with competitive interest rates starting at just 1.08% p.a. (EIR from 2.43% p.a.), and you can apply up to 30 April 2026. Available to Singaporean citizens, PRs, and foreigners meeting age and income requirements, this loan is suitable for a range of needs, with tenures from 3 months to 60 months. Existing Trust Bank credit card holders may get access to the lowest rates inclusive of a 0.88% first year annual fee.

Step by Step: How to Apply

First, download the Trust app from the Google Play Store or Apple App Store.

Next, log in or create your account, and ensure you have a Trust credit card with enough available credit limit.

Choose ‘Instant Loan’ in the app to check your eligibility and available loan amount.

Select the loan amount and preferred repayment tenure according to your needs.

Review the terms, confirm details, and submit. The cash is deposited instantly into your Trust savings account.

Why Consider Trust Instant Loan?

This loan is incredibly fast, with approvals and fund transfers often completed within a minute, saving you time and effort.

Rates from 1.08% p.a. (EIR 2.43% p.a.) are among the lowest in Singapore for personal loans, especially for existing customers.

Downsides to Note

The lowest rates are only for existing Trust credit card customers, so others may receive different offers based on their profile.

An early repayment fee of 3% applies to the outstanding amount if you repay your loan early, making it less flexible for prepayment.

Verdict

Trust Instant Loan delivers on both speed and affordability with impressive application ease. However, early repayment and eligibility conditions should be considered before applying. If you meet the requirements and need instant cash, this product is worth considering.