Compare Government/GLC Personal Loans in Malaysia 2025

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Featured Government Personal Loans

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Government Personal Loans

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

CBP Pembiayaan Peribadi - I

CBP Pembiayaan Peribadi - I Islamic

Profit Rate: 2.67 %

( Effective Rate: 5.04% )

Monthly Payment: RM 189

(Total Repayment: RM 11,335)

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More About This Product
  1. Minimum loan amount: RM 5,000.00
  2. Maximum loan amount: RM 200,000.00
  3. Minimum Tenure: 12 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 18 Years Old
  6. Maximum Age: 60 Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:

    No Guarantor Needed

    Payslip Collection Required
Fees and charges
  1. Stamp Duty: 0.5% from Loan Amount + RM20
  2. Processing Fee: N/A
  3. Late Payment Fee: N/A
  4. Early Settlement Fee: N/A
  5. Handling Fee: 50
  6. APR: %
RHB Personal Financing-i for Civil Sector

RHB Personal Financing-i for Civil Sector

Profit Rate: 3.0 %

( Effective Rate: 5.64% )

Monthly Payment: RM 192

(Total Repayment: RM 11,500)

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More About This Product
  1. Minimum loan amount: RM 2,000.00
  2. Maximum loan amount: RM 300,000.00
  3. Minimum Tenure: 24 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 18 Years Old
  6. Maximum Age: 58 Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:

    No guarantor required
Fees and charges
  1. Stamp Duty: RM10
  2. Processing Fee: RM30
  3. Late Payment Fee: 1% on outstanding loan amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
  6. APR: %
RHB Personal Financing-i for Pensioner

RHB Personal Financing-i for Pensioner

Profit Rate: 3.79 %

( Effective Rate: 7.05% )

Monthly Payment: RM 199

(Total Repayment: RM 11,895)

Apply
More About This Product
  1. Minimum loan amount: RM 5,000.00
  2. Maximum loan amount: RM 100,000.00
  3. Minimum Tenure: 36 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 40 Years Old
  6. Maximum Age: 67 Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:


    • Only for Pensioners's of Malaysian Government Servant

    • No Guarantor or Collateral 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
  6. APR: %
BSN MyRinggit (PUBLIC SECTOR)

BSN MyRinggit (PUBLIC SECTOR)

Interest Rate: 4.6 %

( Effective Rate: 8.47% )

Monthly Payment: RM 205

(Total Repayment: RM 12,300)

Apply
More About This Product
  1. Minimum loan amount: RM 5,000.00
  2. Maximum loan amount: RM 200,000.00
  3. Minimum Tenure: 12 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 18 Years Old
  6. Maximum Age: 60 Years Old upon loan maturity
  7. Conventional Loan
  8. Special Requirements:


    • Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA

    • Permanent employee who has been employed for 3 months and above

    • Contract / temporary employee (over 12 months' service)

    • BSN GIRO/i Account holders
Fees and charges
  1. Stamp Duty: 0.5% loan amount
  2. Processing Fee: N/A
  3. Late Payment Fee: 1% of the per annum on the outstanding payments
  4. Early Settlement Fee: N/A
  5. Handling Fee: N/A
  6. APR: %
Cash-i (Government, GLCs, GLICs & Employers under Empanelment Program)

Cash-i (Government, GLCs, GLICs & Employers under Empanelment Program)

Profit Rate: 4.65 %

( Effective Rate: 8.55% )

Monthly Payment: RM 206

(Total Repayment: RM 12,325)

Apply
More About This Product
  1. Minimum loan amount: RM 10,000.00
  2. Maximum loan amount: RM 400,000.00
  3. Minimum Tenure: 24 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 18 Years Old
  6. Maximum Age: 60 Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:

    Government Employees


    • Federal and State Governments

    • Confirmed position or is a permanent staff




    Newly Employed Civil Servant (NECS)


    • Employment less than 1 year




    Contract Government Servant


    • More than 1 year working experience

    • Grade 41 and above except Nurse U29
Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. of total outstanding amount
  4. Early Settlement Fee: Ibra'
  5. Handling Fee: RM50
  6. APR: %
Bank Muamalat Personal Financing-i (3P Special Package, 3PS)

Bank Muamalat Personal Financing-i (3P Special Package, 3PS)

Profit Rate: 4.95 %

( Effective Rate: 9.07% )

Monthly Payment: RM 208

(Total Repayment: RM 12,475)

Apply
More About This Product
  1. Minimum loan amount: RM 5,000.00
  2. Maximum loan amount: RM 150,000.00
  3. Minimum Tenure: 36 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 45 Years Old
  6. Maximum Age: Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:

    Employment under "Tetap & Berpencen" category

    For LLP - at least 18 years in services

    For Officer - Minimum 5 years before retirement

     
Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949
  2. Processing Fee: None
  3. Late Payment Fee: 1% p.a. on total outstanding amount
  4. Early Settlement Fee: None
  5. Handling Fee: None
  6. APR: %
MBSB Mumtaz-i

MBSB Mumtaz-i

Profit Rate: 5.8 %

( Effective Rate: 10.51% )

Monthly Payment: RM 215

(Total Repayment: RM 12,900)

Apply
More About This Product
  1. Minimum loan amount: RM 3,000.00
  2. Maximum loan amount: RM 250,000.00
  3. Minimum Tenure: 24 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 19 Years Old
  6. Maximum Age: 60 Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:

     


    • Government Employee

    • Employee of Government Link-Company (GLC)

    • State Government Link-Company

    • Local Council

     
Fees and charges
  1. Stamp Duty: None
  2. Processing Fee: None
  3. Late Payment Fee: 1% of the total outstanding loan amount and not compounded
  4. Early Settlement Fee: None
  5. Handling Fee: None
  6. APR: %
Bank Rakyat Personal Financing-i Public Sector

Bank Rakyat Personal Financing-i Public Sector

Profit Rate: 6.25 %

( Effective Rate: 11.27% )

Monthly Payment: RM 219

(Total Repayment: RM 13,125)

Apply
More About This Product
  1. Minimum loan amount: RM 5,000.00
  2. Maximum loan amount: RM 200,000.00
  3. Minimum Tenure: 0 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 18 Years Old
  6. Maximum Age: 60 Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:


    • No Guarantor is Required

    • Minimum of three (3) months in service

    • Service in Public sector, GLC Companies and GLC Subsidiary
Fees and charges
  1. Stamp Duty: 0.5% of the financing amount
  2. Processing Fee: Wakalah or agency fee of RM28.30
  3. Late Payment Fee: 1% p.a. of amount in arrears
  4. Early Settlement Fee: Rebate (Ibra’) will be given on the deferred profit
  5. Handling Fee: None
  6. APR: %
Bank Rakyat Personal Financing-i for Pensioner

Bank Rakyat Personal Financing-i for Pensioner

Profit Rate: 6.38 %

( Effective Rate: 11.48% )

Monthly Payment: RM 220

(Total Repayment: RM 13,190)

Apply
More About This Product
  1. Minimum loan amount: RM 5,000.00
  2. Maximum loan amount: RM 100,000.00
  3. Minimum Tenure: 12 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 45 Years Old
  6. Maximum Age: 65 Years Old upon financing maturity
  7. Islamic Financing
  8. Special Requirements:


    • No Guarantor is Required

    • Takaful Insurance is Optional

    • Maximum amount of RM100,000 or  Maximum 15x your monthly gross pension.
Fees and charges
  1. Stamp Duty: 0.5% of the loan amount
  2. Processing Fee: Wakalah or agency fee of RM28.30
  3. Late Payment Fee: 1%p.a on the amount in arrears.
  4. Early Settlement Fee: Rebate (Ibra’) will be given on the deferred profit
  5. Handling Fee: None
  6. APR: %
YIR Personal Financing

YIR Personal Financing

Profit Rate: 6.65 %

( Effective Rate: 11.93% )

Monthly Payment: RM 223

(Total Repayment: RM 13,325)

Apply
More About This Product
  1. Minimum loan amount: RM3,000
  2. Maximum loan amount: RM250,000
  3. Minimum Tenure: 12 Month(s)
  4. Maximum Tenure: 120 Month(s)
  5. Minimum Age: 20 Years Old
  6. Maximum Age: 58 Years Old
  7. Islamic Financing
Fees and charges
  1. Stamp Duty: As per the Stamp Duty Act 1949

Showing 10 of 15 Packages