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Alliance Islamic Bank CashVantage Personal Financing-i Logo
  • Overview
  • Features
  • Eligibility
  • Fees and charges
  • Review
Alliance Islamic Bank CashVantage Personal Financing-i Logo

Alliance Islamic Bank CashVantage Personal Financing-i

Alliance Islamic Bank Logo
  • Islamic Financing
  • Fast Approval
  • Low Income
  • Profit Rate
    4.99% p.a. ~ 14.78% p.a.
  • Max. Financing Amount
    RM 150,000
  • Approval Duration
    Up to 24 hours

Calculate your financing repayment instantly

RM
Your amount should be between 5,000 and 150,000
year(s)
RM
Your salary should be between 3,000 and 200,000
You Pay
RM 89 /mth
Profit Rate
Total Profit Payable
RM 70
Total Repayment
RM 1,070

Key Features

Fixed profit rate starting at 4.99% per annum (subject to bank's approving criteria)

Fixed profit rate starting at 4.99% per annum (subject to bank's approving criteria)

Approved financing amount of up to RM150,000

Approved financing amount of up to RM150,000

Approved financing amount of up to RM150,000

Consolidate Credit Card and/or Personal Loan commitments into ONE single monthly repayment

More details

  • icon Features Features

    Approval Duration
    Up to 24 hours
    Min. Financing Amount
    RM 5,000
    Max. Financing Amount
    RM 150,000

    Other features

    Maximum Financing Tenure
    7 years
    Debt Consolidation
    Yes
  • icon Eligibility/Documents Eligibility/Documents

    Employment Eligibility
    Salaried, self employed, commission earner
    Age Requirement
    21-60 years old
    Min. Monthly Salary
    RM 3,000

    Other eligibility requirements

    Other Details
    Must have existing credit commitment for at least 12 months
    Application Form
    Alliance CashVantage
    NRIC
    Front & back
    Salary Slip
    1 month (fixed income) or 3 months (variable income)
  • icon Fees and charges Fees and charges

    Processing Fees
    N/A
    Stamp Duty
    0.5% of financing amount

    Other Fees and charges

    Late Payment Charges
    1% p.a. on outstanding financing amount

If you're not sure which loan is right for you, we can help!

How do you apply for a personal financing online?

Step 1 Image

Step 1

Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.

Step 2 Image

Step 2

Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.

Step 3 Image

Step 3

Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application.

Read more about Personal Loan

More tips for you

Review by iMoney

Overview

Alliance Islamic Bank CashVantage Personal Financing-i is an unsecured Islamic Personal financing which provides financial needs whether it is for personal usage, debt consolidation or business purpose for Malaysian citizens and permanent residents working and living in Malaysia. If you are looking forward mainly for debt consolidation, this financing can help you consolidate up to a maximum of 4 credit cards and/or personal financing commitments into ONE single monthly instalment. The minimum financing amount to be applied is RM5,000 and the maximum you can go up to is RM200,000 for a minimum financing tenure of 1 year and maximum of 7 years. The good thing about applying for this personal financing is the low monthly instalment from as low as RM97 (which depends on your financing amount, financing tenure and profit rate), there will be no processing fee, fast approval, no guarantor or collateral required and no early settlement penalty.

Therefore, you will enjoy the fixed rate that is between 8.88% - 15.28% per annum depending on customer profile and income. A one-time fee will be charged to you for stamp duty with the rate of 0.5% of financing amount (no other set up fees need to be paid). If you failed to make your monthly repayments on time a late payment fee of 1% per annum on outstanding financing amount will be charged to you. In order to qualify for the financing you must be between the age of 21-60 years old and with a minimum gross salary of RM3,000 per month. The most important thing to avoid financing rejection is not to have any overdue payments with your other financing taken from banks and to maintain a good credit history in your CTOS & CCRIS record.

  • In order to qualify for the financing, the applicant must be between the age of 21 to 60. Bear in mind, the applicants age must not exceed 60 at the end of the financing tenure.Applicant must be a Malaysian citizen or permanent resident working and residing in Malaysia with a minimum gross salary of RM3,000 per month. Malaysian citizens working in Singapore but residing in Malaysia will be considered.

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