- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total payment
- RM 1,070
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Approved financing amount of up to RM100,000
Fixed profit rate starting at 8.00% per annum
Takaful protection included
Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.
Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.
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.
AmMoneyLine Financing-i is a personal loan for Malaysian citizens that are looking for a financing amount of up to RM 150,000 or 5 times their salary. It also has a yearly instalment as low as 8% and decent financing with a low gross income requirement of RM2,000 per month.
Best for: Personal use including your kid’s education fund
Income requirements: Minimum RM 1,500/month.
The Ambank Islamic Personal Financing-i is a good Islamic financing option, due to the low profit rate offered and the high financing amount offered.
The Shariah concepts applicable for this financing solution are Tawarruq, Wa’d, Murabahah and Wakalah.
You can borrow up to RM 150,000.
The Ambank Islamic Personal Financing-i is eligible for anyone aged between 21-60 years old and making at least RM2000 monthly income.
Once you have completed your application with iMoney, you are required to provide the following documents for your application:
The Ambank Islamic Personal Financing-i offers a profit rate between 8.00% to 11.99% depending on how long your financing tenure is.
Ambank Islamic will approve an application within 2 days, provided that full documentation and information are submitted.
To speed up the process, you can apply through iMoney where our Call Centre Consultants will walk you through the eligibility checker, application form, and advise you on the required document submission.
After we submit your documents and information, Ambank Islamic can approve and disburse to you within 2 days.
Stamp duty: 0.5% of total financing as contained in the Stamp Duty Act 1949
Late payment charge: 1% per year on the outstanding payment
For example, the fee is calculated as follow:
Late payment charge = Outstanding monthly instalment X 1% X number of days outstanding/365 days
* The charges will not be compounded
Note: There are no upfront charges or additional fees when you apply through iMoney. We will also not request any deposit payment from you.
Your monthly commitment depends on your financing amount, and the length of tenure as per agreed with the bank.
Your first instalment will commence according to the due date of the financing facility as per agreed with the bank.
Yes you can, but you have to notify the bank at least one month in advance in writing to help facilitate the early settlement process.
Yes you will, according to the terms set by the bank during the agreement of the financing facility.
You will be charged with late repayment charges according to the agreement you signed with the bank.
This financing solution does not require a collateral or a guarantor.
No, you do not. However, the bank may provide quotations to you for takaful coverage offered by its own panel of insurance operators as an option.
Unfortunately, no. Ambank Islamic will check your credit history as part of their approval process. You are required to settle all overdue payments before applying and keep a healthy credit record before you apply for any personal financing or loan. We also highly recommend that you continue repaying your loans on time for another three months before reapplying.
Check your iMoney CreditScore for free to find out how your credit health is.
Bank Rakyat Personal Financing-i (Private Sector)
Bank Rakyat Personal Financing-i Private Sector is a guarantor-free personal loan that offers a financing amount of up to RM 150,000. It also has a relatively low instalment and decent financing with a relatively low gross income requirement of RM2,000 per month.
Bank Rakyat Personal Financing-i (Public Sector)
Bank Rakyat Personal Financing-i Public Sector is a personal loan for Malaysian citizens that are in the public sector, GLC companies and GLC subsidiaries. This personal loan offers a financing amount of up to RM 200,000. It also has a relatively low instalment and decent financing with a relatively low gross income requirement of RM1,000 per month.