Trust Instant Loan
Trust Instant Loan
- From 1.99% p.a.
- Interest Rate*
- S$10,597
- Total Amount Payable
- S$0
- Processing Fee
Get up to S$1,200 Cash via PayNow or up to 14,335 SmartPoints (which you can use to redeem gifts like an Apple iPhone 16 Plus, Apple iPad Air, Sony PS5 (SLIM) Digital and more on our Rewards Store!) T&Cs apply.
PLUS get S$10 FairPrice E-Vouchers from Trust when you sign up with the referral code MONEYSMT. Valid for New-To-Trust customers only. T&Cs apply.
Are you eligible?
Promotion is valid from 01-July-2025 till 31-July-2025
Customers must apply through MoneySmart to be eligible
What you need to know
Log into your MoneySmart account and submit your claim by 30th August 2025
Receive your rewards when you get approved for a min. loan amount of S$10,000. T&Cs apply.
S$10,000 to S$14,999 Loan Size:
New-To-Bank Gift: S$180 Cash via PayNow or 1,860 SmartPoints
(redeemable for aSennheiser Accentum Wireless Headphonesworth S$269 in our Rewards Store)
Existing Customer Gift: S$160 Cash via PayNowS$15,000 to S$19,999 Loan Size:
New-To-Bank Gift: S$300 Cash via PayNow or 3,500 SmartPoints
(redeemable for9,000 KrisFlyer Milesin our Rewards Store)
Existing Customer Gift: S$280 Cash via PayNowS$20,000 to S$29,999 Loan Size:
New-To-Bank Gift: S$400 Cash via PayNow or 4,775 SmartPoints
(redeemable for Nintendo Switch OLED worth S$439 in our Rewards Store)
Existing Customer Gift: S$380 Cash via PayNowS$30,000 to S$49,999 Loan Size:
New-To-Bank Gift: S$600 Cash via PayNow or 7,460 SmartPoints
(redeemable forSony PS5 Slim Digital worth S$669 in our Rewards Store)
Existing Customer Gift: S$580 Cash via PayNowS$50,000 to S$79,999 Loan Size:
New-To-Bank Gift: S$800 Cash via PayNow or 10,490 SmartPoints
(redeemable for an Apple 11-inch iPad Air worth S$899 in our Rewards Store)
Existing Customer Gift: S$780 Cash via PayNowS$80,000 to S$250,0000 Loan Size:
New-To-Bank Gift: S$1,200 Cash via PayNow or 14,335 SmartPoints
(redeemable for an Apple iPhone 16 Plus worth S$1,399 in our Rewards Store)
Existing Customer Gift: S$1,180 Cash via PayNowUse up to 14,335 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
*FASTER GIFT FULFILMENT: Please note that gift will be fulfilled approximately 2-3 months after the end of the campaign month (31 July 2025).
Enter referral code "MONEYSMT" at point of application to get welcome offer of S$10 FairPrice E-Voucher. Valid for New-To-Trust customers only.
* Enjoy Affordable Interest Rates from 1.99% p.a. (EIR from 3.80% p.a.) - Limited Time only from 05 July 2025!
Effective Interest Rate (EIR) is calculated based on a loan amount of S$5,000 and loan tenure of 60 months from 1 Jan 2025.
All Details
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
Trust Bank Instant Loan Key Benefits 2025
It’s one of the most competitive options among digital-first lenders—perfect for anyone seeking to bridge short-term cashflow gaps without overpaying on interest.
Pros & Cons of Trust Bank Instant Loan
Pros ✅
No physical documents or branch visits are required
Cons ❌
Not valid with other bank accounts
How is Trust Bank Instant Loan’s Repayment like?
To illustrate, here’s a loan scenario (while using Trust Bank’s Instant Loan calculator):
Imagine you’re taking up a $10,000 loan over 3 years to finance your wedding expenses with a monthly income of about $2,500. Referencing an interest rate of 1.99% p.a.:
Your estimated monthly repayment tallies up to around $294.36, taking into account the EIR of 3.80% p.a., notwithstanding other additional charges like administrative fees, early or late repayment fees, and others.
Check Out Our Review of Trust Bank Instant Loan!
How to Apply For Trust Bank Instant Loan?
Visit MoneySmart’s Trust Personal Loans page
Simply click on our “Apply Now” button on our Trust Bank Instant Loan page. Your identity and income data will be retrieved from SingPass (which is already verified), cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Fill up your application details
No physical documents are required since Trust Bank Instant Loan is a fully-digital personal loan.
Select your monthly repayment plan
Decide on your preferred monthly repayment plan (between 3 to 60 months) before confirming your instant loan.
Review and confirm details
After completing your application form, you’ll be directed to a confirmation page.
Carefully review all the information entered throughout the application process is accurate. This includes:
Receive instant loan disbursement
Your loan funds will be instantly disbursed to your Trust Savings Account within seconds of your loan approval.
Frequently Asked Questions about Trust Bank Instant Loan
Am I eligible for a Trust Bank Instant Loan?
- Yes, you can apply for a Trust Bank Instant Loan as long as you are:
- Aged between 21 and 65 years old
- A Singaporean or PR earning a minimum annual income of $30,000
- A foreigner with a valid work pass, earning a minimum annual income of $60,000
Are there any fees if I take up the Trust Bank Instant Loan?
- The Trust Bank Instant Loan prides itself on charging no processing or hidden fees. They only impose a 3% early repayment fee on your outstanding principal loan amount if you repay early.
How to pay for the Trust Bank Instant Loan?
- You can pay your Trust Bank Instant Loan’s monthly instalment via your credit card bill/statement.
Just open the Trust app > Select “Money” > Select “Credit Card” > Tap “Pay credit card”.