RM
year(s)
RM
- You Pay
- RM 89 /mth
- Interest Rate
- Total Interest Payable
- RM 70
- Total Repayment
- RM 1,070
Citibank Personal Loan
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- Interest Rate
- 5.88% p.a.
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- Max. Loan Amount
- RM 150,000
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- Approval Duration
- Instant Approval
Calculate your loan repayment instantly
Key Features
Approved loan amount of up to RM150,000
Flat interest rate starting as low as 5.88% per annum
Loan up to 10x of your monthly salary
More details
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Features- Approval Duration
- Instant Approval
- Min. Loan Amount
- RM 5,000
- Max. Loan Amount
- RM 150,000
Other features
- Max Loan Amount
- Up to 10x monthly salary or RM150,000
- Min Loan Tenure
- 2 years
- Max Loan Tenure
- 5 years
- Interest Rate
- Flat rate of 5.88% – 9.80% per annum
- Debt Consolidation
- Yes at 7.5% per annum
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Eligibility/Documents- Employment Eligibility
- Salaried, self employed
- Age Requirement
- 21-60 years old
- Min. Monthly Salary
- RM 4,000
Other eligibility requirements
- Need to open linked bank account?
- No
- Guarantor Collateral Requirement
- N/A
- NRIC
- Front & back
- Salary slip
- 2 months
- EPF statement
- 6 months
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Fees and charges- Processing Fees
- Free
- Stamp Duty
- 0.5% of approved loan amount
Other Fees and charges
- Early Settlement
- RM200 or 3% outstanding loan amount, whichever is higher; if loan is settled within 2 years or before reaching half the tenure, whichever is earlier.
- Late Payment Charges
- 1% per annum daily charge on past outstanding loan amount
If you're not sure which loan is right for you, we can help!
How do you apply for a personal loan online?
Step 1
Use our personal loan calculator to find the best personal loan based on your requirements and eligibility.
Step 2
Select the best product that fits your requirements from the list of recommended personal loan products listed and click on the Apply button.
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
Review by iMoney
HSBC Amanah Personal Financing-i is a personal loan for Malaysian citizens or Malaysian PR holders that are looking for a financing amount of up to RM 150,000. It also has a relatively low instalment (as low as 5.88%) and decent financing with a relatively high gross income requirement of RM4,000 per month.
Best for: Personal use including your kid’s education fund
Income requirements: Minimum RM 4,000/month.
Pros:
- Maximum financing amount of RM 150,000
- Wide age range eligibility (21 – 60 years old)
- No guarantor or collateral required
- No processing fee
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You can borrow up to RM 250,000.
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5 years.
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Income: Minimum gross income of RM4,000. Gross salary means salary before monthly deductions such as income tax and Employees Provident Fund (EPF) contribution. Only fixed income earners are eligible.
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- Malaysian citizen or Malaysian PR Status
- Age: 21 – 60 years old
- Minimum gross income of RM4,000
- Maximum loan of RM 150,000
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Citibank 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, Citibank can approve and disburse to you within 3 days.
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Stamp Duty Fee: 0.5% of financing amount
Early Settlement Fee: RM200 or 3% of outstanding balance, whichever higher, if loan is settled within first 2 years or before reaching half the tenure, whichever earlier.
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.
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The interest rate is yearly (per annum) and will depend on your financing amount, tenure, as well as your individual risk rating. The fixed rate ranges between 5.88% - 9.80%.
Check your iMoney CreditScore for free to find out how your credit health is.
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Once you have completed your application with iMoney, you are required to provide the following documents for your application:
- Front & back copy of NRIC
- Copy of previous 2 month’s salary slips, OR
- Copy of 3 months’ bank statements showing salary credited, OR
- EPF statement, OR
- Latest EA Statement (dated within last 12 months), OR
- Latest Tax Returns and Tax receipts, OR
- BE Form, OR
- Letter of Employment (if employed less than 3 months)
If you are self-employed:
- Front & back copy of NRIC
- Copy of business registration form (business must be established for at least 2 years)
- Copy of latest B Form with tax receipts
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Unfortunately, no. Citibank 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.
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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.