MariBank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

MariBank suits Singapore borrowers who want a fast, low cost credit line or instalment loan rather than a long mortgage. Its fixed rate of 1.92% sits well under the site median of 12%, and cash lands as Cash disbursed to your account within 10 seconds.

Key facts

Best for
Singaporean cardholders borrowing for a renovation or a short personal plan.
APR
1.92% (Source, checked September 26, 2026)
Loan amount
from SGD 100 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
SGD 0 (Source, checked September 26, 2026)
Funding time
Cash disbursed to your account within 10 seconds (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line, Business (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
MariBank Singapore Private Limited (Source, checked September 26, 2026)
Headquarters
Singapore (Source, checked September 26, 2026)
Support channels
Chat, Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
maribank.sg

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedIninstagram.com

Pros and cons

Pros

  • APR of 1.92% against a site median of 12%
  • Cash reaches the account as Cash disbursed to your account within 10 seconds
  • No origination charge: SGD 0 and 0%
  • Direct lender, not a broker, so direct lender decisions stay with you

Cons

  • Borrowing is tied to the Mari credit card, and free early repayment on the loan product is no
  • A fixed 60 term suits planned spending, not an open revolving balance
  • The offer score of 4.2 trails the cost score of 8
MariBank

Ready to try MariBank?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Mari cardholders in Singapore needing a home improvement loan from from SGD 100 upwards
  • Borrowers consolidating debt, as debt consolidation sits inside personal, debt consolidation and credit line
  • People who value speed and a fixed rate over a long low cost term

Who should look elsewhere

  • Monzo Flex, where 10% to 23% suits a different rate profile
  • Cashspace, whose PHP 12 to PHP 36 range points to a different cost band
  • Borrowers wanting to clear a loan without an early repayment charge, since free early repayment is no

Safety and regulation

MariBank is a direct lender based in Singapore, and MariBank Singapore Private Limited is the entity that lends. The Monetary Authority of Singapore is the regulator named for its home market. Lending runs as a fixed rate product at a fixed rate, and the brand is rated direct lender. Support runs on chat, phone and email, so help is reachable once an account is open.

How MariBank compares

Where MariBank is available

Available
Singapore
Licence in Singapore
Monetary Authority of Singapore, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does MariBank charge?+

The instant loan runs at an APR of 1.92%, which is well below the site median of 12%. It is a fixed rate under a fixed rate model, so the cost of borrowing does not drift with market moves.

How quickly do I get the money?+

Funding is described as Cash disbursed to your account within 10 seconds. Same-day funding appears as one of the features, so a cardholder who applies through the Mari credit card does not wait a long period for cash to arrive.

Are there any fees to arrange the loan?+

The origination fee is SGD 0 and the percentage component is 0%, so arranging the credit costs nothing at the start. One caveat sits on the card product: free early repayment is no, so paying a loan off early is not costless.

How much can I borrow and for how long?+

Borrowing starts from from SGD 100 and the term runs 60. Home improvement is a listed use, so a renovation can be funded on the same fixed terms as other personal borrowing.

Who regulates MariBank?+

MariBank is based in Singapore and the Monetary Authority of Singapore is the regulator listed for it. The lender operates directly rather than through a broker, and the legal entity is MariBank Singapore Private Limited.

How do I contact someone about the loan?+

Support runs on chat, phone and email, which covers chat, phone, email and a help centre. The Mari credit card is the route to the instant loan, so card members and the loan sit inside the same product family.

What kinds of loan does MariBank offer?+

The stated personal, debt consolidation and credit line covers personal, debt consolidation, a credit line and business lending. That spread means a consolidation loan and a renovation loan can both be taken from the same lender.

Is early repayment free?+

No. Free early repayment is no, which sets a limit on how useful the loan is for overpaying. A borrower planning to clear the balance quickly gains more from a product that does not charge for it.

Sources

  • maribank.sg checked September 26, 2026

    Backs: Legal entity, Loan types, Support channels

    “Copyright (c) MariBank Singapore Private Limited. All rights reserved.”

  • maribank.sg/about-us checked September 26, 2026

    Backs: Headquarters, Lender type, Licences

    “MariBank aims to fulfil the underserved banking needs of both retail and business consumers in Singapore”

  • maribank.sg/fees-rates/mari-credit-card checked September 26, 2026

    Backs: Free early repayment, Pricing model, Rate type

    “An early repayment fee of $100 or 3% of the remaining unpaid principal amount, whichever is higher, or at such rate as MariBank may determine, will be imposed at the discretion of MariBank if full...”

  • maribank.sg/instant-loan/renovation-loan checked September 26, 2026

    Backs: Use cases

    “Fund your dream home renovation with Instant Loan from 1.28% p.a. (EIR 1.92%)”

  • maribank.sg/product/mari-credit-card/instant-loan checked September 26, 2026

    Backs: Loan amount, APR, Features, Funding time, Arrangement fee, Origination fee (%), Term

    “Borrow From As Low As S$100”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

MariBank

MariBank

Singaporean cardholders borrowing for a renovation or a short personal plan.

9.2/10See alternatives

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