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

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Featured
RHB Personal Financing – i for Public

RHB Personal Financing – i for Public

Profit Rate: 4.5 %

( Effective Rate: 8.29% )

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
  4. Maximum Age: 58 Years upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    1. Minimum income RM2,000 (inclusive fixed allowance)

    2. Takaful coverage

    3. 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
Featured
KFH Murabahah Personal Financing-i (GLC, MNC & PLC)

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

Profit Rate: 6.88 %

( Effective Rate: 12.31% )

Monthly Payment: RM 224

(Total Repayment: RM 13,440)

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

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

    Minimum gross monthly income of RM 3,000.00

    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
Featured
KFH Murabahah Personal Financing-i (Private Sector)

KFH Murabahah Personal Financing-i (Private Sector)

Profit Rate: 8.0 %

( Effective Rate: 14.13% )

Monthly Payment: RM 234

(Total Repayment: RM 14,000)

More About This Product
  1. Maximum loan amount: RM 250,000.00
  2. Maximum Tenure: 120 Month(s)
  3. Minimum Age: 21 Years
  4. Maximum Age: 60 Years 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
Featured Islamic
CashVantage Financing-i (Self-Employed)

CashVantage Financing-i (Self-Employed)

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
  4. Maximum Age: 60 Years upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

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

    2. 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
Featured Islamic
CashVantage Financing-i (Salaried Employee)

CashVantage Financing-i (Salaried Employee)

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
  4. Maximum Age: 60 Years upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

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

    2. 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
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
  4. Maximum Age: 60 Years 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
  4. Maximum Age: 60 Years 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
Personal Financing-i for Pensioner

Personal Financing-i for Pensioner

Profit Rate: 4.97 %

( Effective Rate: 9.1% )

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
  4. Maximum Age: 65 Years 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: 9.14% )

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
  4. Maximum Age: 60 Years upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    1. Only for Government employee and GLC employee.

    2. 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: 9.14% )

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
  4. Maximum Age: 65 Years 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 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
  4. Maximum Age: 60 Years 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
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
  4. Maximum Age: 65 Years 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
  4. Maximum Age: 65 Years 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
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
  4. Maximum Age: 60 Years 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
  4. Maximum Age: 60 Years 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: None
  4. Early Settlement Fee: None
  5. Handling Fee: None
Cash Financing-i

Cash 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: 120 Month(s)
  3. Minimum Age: 21 Years
  4. Maximum Age: 60 Years upon financing maturity
  5. Islamic Financing
  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: RM150 or 2.5% of the outstanding loan amount
  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
  4. Maximum Age: 65 Years 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
  4. Maximum Age: 65 Years 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
  4. Maximum Age: 65 Years 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
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
  4. Maximum Age: 60 Years 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
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
  4. Maximum Age: 60 Years 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
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
  4. Maximum Age: 60 Years 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 Bank.

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
AEON iCash for AEON Credit Card holders

AEON iCash for AEON Credit Card holders

Profit Rate: 9.6 %

( Effective Rate:

%
)

Monthly Payment: RM 247

(Total Repayment: RM 14,800)

More About This Product
  1. Maximum loan amount: RM 50,000.00
  2. Maximum Tenure: 60 Month(s)
  3. Minimum Age: 18 Years
  4. Maximum Age: 65 Years upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Existing AEON Credit Card Holder

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 6% of loan amount
  3. Late Payment Fee: 4% 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
  4. Maximum Age: 60 Years 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
  4. Maximum Age: 65 Years 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
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
  4. Maximum Age: 55 Years 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 iCASH Personal Financing

AEON iCASH Personal Financing

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
  4. Maximum Age: 65 Years upon financing maturity
  5. Islamic Financing
  6. Special Requirements:

    Existing AEON Principal Cardholders

Fees and charges
  1. Stamp Duty: 0.5% of financing amount
  2. Processing Fee: 2% - 4% of the financing amoun
  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
  4. Maximum Age: 60 Years 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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Showing 10 of 28 Packages

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).

A good loan is one with lower interest rates, which ultimately makes the total amount less when it comes to paying for it.

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.