Compare Personal Loans in Malaysia

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Personal Loan

Showing personal loan packages for loan amount of RM 10,000 over 5 years

KFH Murabahah Personal Financing-i (Private Sector)

KFH Murabahah Personal Financing-i (Private Sector)

Profit Rate: 6.0 %

( Effective Rate: 10.85% )

Monthly Payment: RM 217

(Total Repayment: RM 13,000)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    For Private sector only

    Minimum gross monthly income of RM 5,000.00

    Takaful is compulsory

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of the amount of arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
CashVantage Financing-i (Salaried Employee)

CashVantage Financing-i (Salaried Employee) Islamic

Profit Rate: 8.38 %

( Effective Rate: 14.73% )

Monthly Payment: RM 237

(Total Repayment: RM 14,190)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    The interest rate for 1-year tenure is 3.99% flat p.a.

    The interest rate for 2-3 years tenure is 5.99% flat p.a.

     

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
RHB Easy-Pinjaman Ekspres

RHB Easy-Pinjaman Ekspres Low Income

Interest Rate: 14.52 %

( Effective Rate: 24.0% )

Monthly Payment: RM 288

(Total Repayment: RM 17,260)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 55 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: RM 200, early settlement or termination within 6 month from the date of latter offer is issued
  5. Handling Fee: None
Personal Financing-I (Government Sector)

Personal Financing-I (Government Sector)

Profit Rate: 3.5 %

( Effective Rate: 6.54% )

Monthly Payment: RM 196

(Total Repayment: RM 11,750)

More About This Product
  1. Maximum loan amount: RM 400,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 19 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Mode of payment Salary Deduction

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: RM120
  3. Late Payment Fee: 1% of amount arrear
  4. Early Settlement Fee: 5% of remaining loan amount if loan repiad before 5 years. No penalty otherwise
  5. Handling Fee: None
Bank Rakyat Personal Financing-I Public

Bank Rakyat Personal Financing-I Public

Profit Rate: 3.9 %

( Effective Rate: 7.24% )

Monthly Payment: RM 200

(Total Repayment: RM 11,950)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Mode of payment Salary Deduction

Fees and charges
  1. Stamp Duty: 0.4% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD SCOP Super Klasik B

BSN SPD SCOP Super Klasik B

Interest Rate: 3.9 %

( Effective Rate: 7.24% )

Monthly Payment: RM 200

(Total Repayment: RM 11,950)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    Royal Malaysian Police Force

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD BPA Super Klasik B

BSN SPD BPA Super Klasik B

Interest Rate: 3.9 %

( Effective Rate: 7.24% )

Monthly Payment: RM 200

(Total Repayment: RM 11,950)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD SKAP Super Klasik B

BSN SPD SKAP Super Klasik B

Interest Rate: 3.9 %

( Effective Rate: 7.24% )

Monthly Payment: RM 200

(Total Repayment: RM 11,950)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    Federal Government Servant

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD SKAN Super Klasik B

BSN SPD SKAN Super Klasik B

Interest Rate: 3.9 %

( Effective Rate: 7.24% )

Monthly Payment: RM 200

(Total Repayment: RM 11,950)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    State Government Servant

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD BPA Klasik

BSN SPD BPA Klasik

Interest Rate: 4.0 %

( Effective Rate: 7.42% )

Monthly Payment: RM 200

(Total Repayment: RM 12,000)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD SKAP Klasik

BSN SPD SKAP Klasik

Interest Rate: 4.0 %

( Effective Rate: %)

Monthly Payment: RM 200

(Total Repayment: RM 12,000)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    Federal Government Servant

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD SKAN Klasik

BSN SPD SKAN Klasik

Interest Rate: 4.0 %

( Effective Rate: %)

Monthly Payment: RM 200

(Total Repayment: RM 12,000)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    State Government Servant

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD SCOP Klasik

BSN SPD SCOP Klasik

Interest Rate: 4.0 %

( Effective Rate: %)

Monthly Payment: RM 200

(Total Repayment: RM 12,000)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    Royal Malaysian Police Force

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD ATM

BSN SPD ATM

Interest Rate: 4.5 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,250)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    Malaysian Armed Force Personnel

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
RHB Personal Financing – i for Public

RHB Personal Financing – i for Public

Profit Rate: 4.5 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,250)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 58 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Minimum income RM2,000 (inclusive fixed allowance)

    Takaful coverage

    Only for Malaysian Civil Servants under Federal Government and selected government agencies

Fees and charges
  1. Stamp Duty: RM 10.00
  2. Processing Fee: 0
  3. Late Payment Fee: 0
  4. Early Settlement Fee: 0
  5. Handling Fee: 0
BSN SPD SCOP Klasik (RBP)

BSN SPD SCOP Klasik (RBP)

Interest Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    Royal Malaysian Police Force

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD SKAP Klasik (RBP)

BSN SPD SKAP Klasik (RBP)

Interest Rate: 4.6 %

( Effective Rate: %)

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO/GIRO-i Account Holder

    Federal Government Servant

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Personal Financing-i for Pensioner

Personal Financing-i for Pensioner

Profit Rate: 4.97 %

( Effective Rate: %)

Monthly Payment: RM 209

(Total Repayment: RM 12,485)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 55 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Public Bank BAE Personal Financing-i

Public Bank BAE Personal Financing-i

Profit Rate: 4.99 %

( Effective Rate: %)

Monthly Payment: RM 209

(Total Repayment: RM 12,495)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 20 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Only for Government employee and GLC employee

    Takaful insurance is required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: RM100
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Financing-I (Package with fixed rate)

Bank Islam Personal Financing-I (Package with fixed rate)

Profit Rate: 4.99 %

( Effective Rate: %)

Monthly Payment: RM 209

(Total Repayment: RM 12,495)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Financing Takaful Plan Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
RHB Pensioner Personal Financing-i

RHB Pensioner Personal Financing-i

Profit Rate: 5.25 %

( Effective Rate: %)

Monthly Payment: RM 211

(Total Repayment: RM 12,625)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 40 Years Old
  4. Maximum Age: 70 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Only for Pensioners's of Malaysian Government Servant

    No Guarantor Required

Fees and charges
  1. Stamp Duty: RM10
  2. Processing Fee: RM50
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Al Rajhi Personal Financing-i Secured Against Gold

Al Rajhi Personal Financing-i Secured Against Gold

Profit Rate: 5.99 %

( Effective Rate: %)

Monthly Payment: RM 217

(Total Repayment: RM 12,995)

More About This Product
  1. Maximum loan amount: RM 500,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 60 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    For Non Malaysian with Resident Gross Income of RM15,000 and above

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Rakyat Personal Financing-I Civil Servant (Rakan Pintar)

Bank Rakyat Personal Financing-I Civil Servant (Rakan Pintar)

Profit Rate: 6.15 %

( Effective Rate: %)

Monthly Payment: RM 218

(Total Repayment: RM 13,075)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
KFH Murabahah Personal Financing-i (GLC, MNC & PLC)

KFH Murabahah Personal Financing-i (GLC, MNC & PLC)

Profit Rate: 6.38 %

( Effective Rate: %)

Monthly Payment: RM 220

(Total Repayment: RM 13,190)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    For GLC, MNC, PLC and its subsidiaries and professionals.

    Minimum gross monthly income of RM 5,000.00

    Profit  Rate: 6% (with salary account) / 6.88% (without salary account)

    Takaful is compulsory

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of the amount of arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN Sandaran Sijil Simpanan Tetap

BSN Sandaran Sijil Simpanan Tetap

Interest Rate: 6.45 %

( Effective Rate: %)

Monthly Payment: RM 221

(Total Repayment: RM 13,225)

More About This Product
  1. Maximum loan amount: RM 99,999.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    FD Account Holders

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Financing-I (Package with floating rate)

Bank Islam Personal Financing-I (Package with floating rate)

Profit Rate: 6.55 %

( Effective Rate: %)

Monthly Payment: RM 222

(Total Repayment: RM 13,275)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Personal Financing Takaful Plan Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Financing-I (Non Package)

Bank Islam Personal Financing-I (Non Package)

Profit Rate: 6.8 %

( Effective Rate: %)

Monthly Payment: RM 224

(Total Repayment: RM 13,400)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Group Family Takaful (with Syarikat Takaful Malaysia) Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: 1% of financing amount or RM100.00
  5. Handling Fee: None
Al Rajhi Personal Financing-i Secured By Term Deposit

Al Rajhi Personal Financing-i Secured By Term Deposit

Profit Rate: 6.88 %

( Effective Rate: %)

Monthly Payment: RM 224

(Total Repayment: RM 13,440)

More About This Product
  1. Maximum loan amount: RM 500,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 25 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    TakaFul Insurance Required

    Term Deposit is on Auto Renewal

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Ambank Personal Financing-i

Ambank Personal Financing-i

Profit Rate: 6.9 %

( Effective Rate: %)

Monthly Payment: RM 225

(Total Repayment: RM 13,450)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Rate is lower with Perkhidmatan Angkasa (BPA), 4.30% per annum.

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: 4% of borrowed amount
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Al Rajhi Personal Financing-i

Al Rajhi Personal Financing-i

Profit Rate: 6.99 %

( Effective Rate: %)

Monthly Payment: RM 225

(Total Repayment: RM 13,495)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 96 Month(s)
  3. Minimum Age: 25 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    No Guarantor Required

    Fixed Income Earner Only

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Hong Leong Personal Loan

Hong Leong Personal Loan

Interest Rate: 7.0 %

( Effective Rate: %)

Monthly Payment: RM 225

(Total Repayment: RM 13,500)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN SPD Executive-1 (permenant staff)

BSN SPD Executive-1 (permenant staff)

Interest Rate: 7.5 %

( Effective Rate: %)

Monthly Payment: RM 230

(Total Repayment: RM 13,750)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 55 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

     BSN GIRO / GIRO-i Account holders

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Cash Line-i (secured against fixed deposit)

Bank Islam Personal Cash Line-i (secured against fixed deposit)

Profit Rate: 7.85 %

( Effective Rate: %)

Monthly Payment: RM 233

(Total Repayment: RM 13,925)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Must be secured against FD

    The maximum loan amount will be based on MOF up to 100% of secured fixed deposit

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Cash Line-i (secured against structured investment)

Bank Islam Personal Cash Line-i (secured against structured investment)

Profit Rate: 7.85 %

( Effective Rate: %)

Monthly Payment: RM 233

(Total Repayment: RM 13,925)

More About This Product
  1. Maximum loan amount: RM 160,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Must be secured against structured investment

    The maximum amount of loan will be based on 80% of secured structured investment.

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Islam Personal Cash Line-i (secured against unit trust)

Bank Islam Personal Cash Line-i (secured against unit trust)

Profit Rate: 7.85 %

( Effective Rate: %)

Monthly Payment: RM 233

(Total Repayment: RM 13,925)

More About This Product
  1. Maximum loan amount: RM 120,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Must be secured against unit trust

    The maximum amount of loan will be based on MOF up to 60% of secured unit trust

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Citibank Personal Loan (Salaried Employee)

Citibank Personal Loan (Salaried Employee) Fast Approval

Interest Rate: 7.9 %

( Effective Rate: %)

Monthly Payment: RM 233

(Total Repayment: RM 13,950)

More About This Product
  1. Maximum loan amount: RM 120,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: 3% of outstanding balance
  5. Handling Fee: None
AmBank AmMoneyLine

AmBank AmMoneyLine

Interest Rate: 8.0 %

( Effective Rate: %)

Monthly Payment: RM 234

(Total Repayment: RM 14,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 96 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Maybank Islamic Personal Financing-i

Maybank Islamic Personal Financing-i

Profit Rate: 8.0 %

( Effective Rate: %)

Monthly Payment: RM 234

(Total Repayment: RM 14,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 72 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful coverage is optional

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Maybank Personal Loan

Maybank Personal Loan

Interest Rate: 8.0 %

( Effective Rate: %)

Monthly Payment: RM 234

(Total Repayment: RM 14,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 72 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: RM200 OR 3% of outstanding balance whichever is higher
  5. Handling Fee: None
AmMoney Line Facility-i

AmMoney Line Facility-i

Profit Rate: 8.0 %

( Effective Rate: %)

Monthly Payment: RM 234

(Total Repayment: RM 14,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 96 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Al Rajhi Personal Financing-i (Corporate Community Select Programme - Salary Deduction)

Al Rajhi Personal Financing-i (Corporate Community Select Programme - Salary Deduction)

Profit Rate: 8.25 %

( Effective Rate: %)

Monthly Payment: RM 236

(Total Repayment: RM 14,125)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 25 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Permanent Staff

    Minimum Length of 12 Months of Service

    No Guarantor Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Bank Rakyat Personal Financing-I Private

Bank Rakyat Personal Financing-I Private

Profit Rate: 8.34 %

( Effective Rate: %)

Monthly Payment: RM 237

(Total Repayment: RM 14,170)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

    Negotiable rate offered to employees of companies or cooperatives with certain conditions stated by Bankvd

Fees and charges
  1. Stamp Duty: 0.4% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Alliance CashFirst Personal Loan (Salaried Employee)

Alliance CashFirst Personal Loan (Salaried Employee) Fast Approval

Interest Rate: 8.38 %

( Effective Rate: %)

Monthly Payment: RM 237

(Total Repayment: RM 14,190)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    The interest rate for 1-year tenure is 3.99% flat p.a.

    The interest rate for 2-3 years tenure is 5.99% flat p.a.

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
CashVantage Financing-i (Self-Employed)

CashVantage Financing-i (Self-Employed) Islamic

Profit Rate: 8.38 %

( Effective Rate: %)

Monthly Payment: RM 237

(Total Repayment: RM 14,190)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    The interest rate for 1-year tenure is 3.99% flat p.a.

    The interest rate for 2-3 years tenure is 5.99% flat p.a.

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Alliance CashFirst Personal Loan (Self-Employed)

Alliance CashFirst Personal Loan (Self-Employed) Fast Approval

Interest Rate: 8.38 %

( Effective Rate: %)

Monthly Payment: RM 237

(Total Repayment: RM 14,190)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    The interest rate for 1-year tenure is 3.99% flat p.a.

    The interest rate for 2-3 years tenure is 5.99% flat p.a.

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
BSN Exec-1 loan with floating rate (permanent staff)

BSN Exec-1 loan with floating rate (permanent staff)

Interest Rate: 8.85 %

( Effective Rate: %)

Monthly Payment: RM 241

(Total Repayment: RM 14,425)

More About This Product
  1. Maximum loan amount: RM 200,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 55 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    BSN GIRO / GIRO-i Account holders

    Offered only to Employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Standard Chartered Quick Cash Edge

Standard Chartered Quick Cash Edge

Interest Rate: 10.56 %

( Effective Rate: %)

Monthly Payment: RM 255

(Total Repayment: RM 15,280)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 65 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None(one month prior written notice is required)
  5. Handling Fee: None
UOB Personal Loan for Salaried Employees

UOB Personal Loan for Salaried Employees

Interest Rate: 10.99 %

( Effective Rate: %)

Monthly Payment: RM 259

(Total Repayment: RM 15,495)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 55 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: RM10 or 1% p.a. of amount in arrears
  4. Early Settlement Fee: RM300 or 3% of the outstanding loan amount
  5. Handling Fee: None
UOB Personal Loan for the Self-Employed

UOB Personal Loan for the Self-Employed

Interest Rate: 11.99 %

( Effective Rate: %)

Monthly Payment: RM 267

(Total Repayment: RM 15,995)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 55 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: RM10 or 1% p.a. of amount in arrears
  4. Early Settlement Fee: RM300 or 3% of the outstanding loan amount
  5. Handling Fee: None
Hong Leong Mach I.O.U Personal Loan

Hong Leong Mach I.O.U Personal Loan

Interest Rate: 12.0 %

( Effective Rate: %)

Monthly Payment: RM 267

(Total Repayment: RM 16,000)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Hong Leong Personal Financing-i

Hong Leong Personal Financing-i

Profit Rate: 12.0 %

( Effective Rate: %)

Monthly Payment: RM 267

(Total Repayment: RM 16,000)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Group Credit Term Takaful (GCTT) Required

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Standard Chartered Personal Financing-i

Standard Chartered Personal Financing-i

Profit Rate: 12.49 %

( Effective Rate: %)

Monthly Payment: RM 271

(Total Repayment: RM 16,245)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    None

Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Standard Chartered Cash One for Professionals

Standard Chartered Cash One for Professionals

Interest Rate: 12.5 %

( Effective Rate: %)

Monthly Payment: RM 271

(Total Repayment: RM 16,250)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 72 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 65 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    Existing Standard Chartered Platinum Credit Card Holder

    Professional Occupation

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
Standard Chartered Cash One

Standard Chartered Cash One

Interest Rate: 12.5 %

( Effective Rate: %)

Monthly Payment: RM 271

(Total Repayment: RM 16,250)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 65 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    Existing Standard Chartered Platinum Credit Card Holder

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
RHB Personal Financing-i for Private

RHB Personal Financing-i for Private

Profit Rate: 13.45 %

( Effective Rate: %)

Monthly Payment: RM 279

(Total Repayment: RM 16,725)

More About This Product
  1. Maximum loan amount: RM 150,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 55 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

Fees and charges
  1. Stamp Duty: RM10
  2. Processing Fee: RM50
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
 AEON i-Cash Personal Financing for AEON Credit Card Principal Cardholders

AEON i-Cash Personal Financing for AEON Credit Card Principal Cardholders

Profit Rate: 14.4 %

( Effective Rate: %)

Monthly Payment: RM 287

(Total Repayment: RM 17,200)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    AEON Credit Card Principal Cardholders Only

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 2% - 4% of the financing amount, maximum fee is RM400
  3. Late Payment Fee: RM18 to RM40, subject to terms and conditions
  4. Early Settlement Fee: None
  5. Handling Fee: None
 AEON i-Cash Personal Financing for AEON Express Cardholders

AEON i-Cash Personal Financing for AEON Express Cardholders

Profit Rate: 14.4 %

( Effective Rate: %)

Monthly Payment: RM 287

(Total Repayment: RM 17,200)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    AEON Express Cardholders Only

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 2% - 4% of the financing amount, maximum fee is RM400
  3. Late Payment Fee: RM18 to RM40, subject to terms and conditions
  4. Early Settlement Fee: None
  5. Handling Fee: None
CIMB Cash Plus Personal Loan (Salaried Employee)

CIMB Cash Plus Personal Loan (Salaried Employee)

Interest Rate: 14.66 %

( Effective Rate: %)

Monthly Payment: RM 289

(Total Repayment: RM 17,330)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 58 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    Cash Plus Assurance Required

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
CIMB Cash Plus Personal Loan (Self-Employed)

CIMB Cash Plus Personal Loan (Self-Employed)

Interest Rate: 14.66 %

( Effective Rate: %)

Monthly Payment: RM 289

(Total Repayment: RM 17,330)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 58 Years Old upon loan maturity
  5. Conventional Loan
  6. Special Requirements:

    Cash Plus Assurance Required

Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
 AEON i-Cash Personal Financing for Non-AEON Cardholders

AEON i-Cash Personal Financing for Non-AEON Cardholders

Profit Rate: 18.0 %

( Effective Rate: %)

Monthly Payment: RM 317

(Total Repayment: RM 19,000)

More About This Product
  1. Maximum loan amount: RM 100,000.00
  2. Maximum Tenure: 84 Month(s)
  3. Minimum Age: 18 Years Old
  4. Maximum Age: 65 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Non-AEON Cardholders or New Customers Only

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 2% - 4% of the financing amount, maximum fee is RM400
  3. Late Payment Fee: RM18 to RM40, subject to terms and conditions
  4. Early Settlement Fee: None
  5. Handling Fee: None
CIMB Xpress Cash Financing-i

CIMB Xpress Cash Financing-i

Profit Rate: 24.0 %

( Effective Rate: %)

Monthly Payment: RM 367

(Total Repayment: RM 22,000)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 21 Years Old
  4. Maximum Age: 60 Years Old upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Takaful Insurance Required

Fees and charges
  1. Stamp Duty: 0.5% from approved financing amount
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: None
  5. Handling Fee: None
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Frequently Asked Questions (FAQ)

A personal loan is an unsecured loan borrowed from a bank, credit union or online lender that you can use for any reason you have, and you would need to pay it back in fixed monthly payments.

An unsecured loan is not protected by any collateral, so if you happen to default on the loan, the lender is not able to automatically take your assets.

A secured loan is usually protected with a collateral (most of the time it's your property), and the interest rate in this type is lower than an unsecured loan. It can be more risky because you might lose your property if you are not able to make the payments, so it's important to understand how secured loans work.

A conventional loan follows the Conventional Financing Principles where lenders lend to borrowers to make a profit from the interest charged on the principal amount. For property loans, the borrower pays an interest on the outstanding principal amount. Interest rates can be fixed or based on a floating rate (e.g. BLR, KLIBOR).

An Islamic loan follows the Islamic Financing Principle which avoids interest-based transactions (Riba), and instead introduces the concept of buying something on the borrower’s behalf, and selling it back to the borrower for a profit. In place of interest, a profit rate is defined in the contract. Like Conventional Financing, profit rates can be fixed or based on a floating rate (e.g. BFR).

Interest rates

Interest rates in Malaysia are usually charged on a flat rate basis. The flat interest rate refers to the type where the interest is charged on the original amount, thus having nothing to do with what was paid initially.

It's possible but can be very hard to get a personal loan if you're unemployed because all the banks will request to provide a proof of income. Usually the best loan terms and rates are often reserved for customers with a good credit history, and for those in employment.

Generally, banks are reluctant to lend to students, as they're unlikely to be employed any time soon and may struggle to make repayments on time.

A short-term loan is one which is scheduled to be repaid in less than a year and the interest rate for this type of loan will usually be higher than a long-term loan. However, at the end of the term, you pay less interest than the longer duration loans.