- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total Repayment
- RM 1,070
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Approved financing amount of up to RM200,000
Fixed profit rate starting at 4.08% 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.
Ambank Islamic Personal Financing-i is a personal loan for Malaysian citizens that are looking for a financing amount of up to RM 200,000. It also has a relatively low installment (as low as 4.08%) and decent financing with a low gross income requirement of RM1,500 per month.
Best for: Personal use including your kid’s education fund
Income requirements: Minimum RM 1,500/month.
You can apply for the AmBank Islamic Personal Financing-i right here.
You can borrow up to RM 200,000.
AmBank Islamic Personal Financing-i is open for;
Ambank Islamic will approve an application within 3 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 3 days.
Once you have completed your application with iMoney, you are required to provide the following documents for your application:
You can calculate your monthly repayments using the AmBank Islamic Personal Financing-i calculator right here. All you have to do is key in the financing amount and the tenure duration you'd like.
The amount you have to pay depends on the financing amount you applied for and the tenure period of the financing amount.
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.
For civil servant and staff of selected statutory bodies or GLCs, you can pay through the Biro Perkhidmatan Angkasa (BPA): Salary deduction, while for other employees, you can pay via Auto Debit / Standing Instruction via AmBank Islamic Current / Savings account-i, Autopay via AmBank@Work or payroll solution or â€‹â€‹â€‹Via HR Direct Salary Deduction
Early settlement in full is allowed at any point of time before its maturity. A rebate (Ibra’) may be given at the financial institution's discretion.
There's no downloadable application form, but you can apply for the AmBank Islamic Personal Financing online right here.
Yes, Takaful contribution is required for this financing solution. The amount is determined by your age, financing amount, and the tenure period.
You can find the AmBank Islamic Personal Financing table right here.
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 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 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.