Trust Bank is offering an Instant Loan that stands out for its competitive personal loan rates and straightforward application process. Rates start as low as 1.56% per annum (EIR from 3.00% p.a.), available through 31 January 2026. There are no processing or hidden fees, making it an attractive option for borrowers looking to stretch their cash flow without unnecessary surprises. Borrowers can opt for flexible loan tenures ranging from 3 to 60 months, and new customers are also welcome to apply for this limited-time deal.

How to Apply: Simple Step by Step

1. Download the Trust App on your smartphone.
2. Sign up as a new user or log in if you already hold a Trust credit card.
3. Navigate to the Instant Loan section in the app.
4. Choose your desired loan amount and preferred repayment tenure.
5. Submit the application and, upon approval, receive funds in seconds.

Key Benefits

One of the main advantages of the Trust Instant Loan is the zero processing and hidden fees policy, making your total cost more transparent. Borrowers appreciate how the application is conveniently managed within the Trust App and how quickly funds are disbursed.

The flexible repayment options allow you to align your monthly outflows with your budget, and early repayment is allowed, with only a small early settlement fee. The entire process, from application to receiving money, can be completed in about a minute for eligible users.

Considerations Before Applying

The best rates are typically available only to existing Trust Bank credit card holders with strong credit profiles. New customers and those with lower credit scores may receive higher effective interest rates (up to 23.73% p.a.).

An early repayment fee of 3% on the outstanding principal applies if you pay off your loan before the agreed term, so consider this if you expect to repay early.

Nosso veredicto

The Trust Instant Loan is a solid personal loan solution for Singapore residents seeking fast cash with no hidden fees. With its low advertised rates and exceptional speed, it’s ideal for those who value convenience and transparency. However, final rates may differ based on your credit profile and income, so it’s wise to use the Trust App’s calculator for a tailored quote.