• Profit rate (p.a.)

    3.90% - 4.20%

  • Loan Tenure

    1 - 10 years

  • Approval Duration

    3 working days

  • Min. monthly income


Loan calculator
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Monthly salaryRM0
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What's so great about CBP Personal Financing-i Lestari?
  • Financing amount of up to RM200,000
  • Profit rate from as low as 3.90% T&C Apply
  • Immediate approval & withdrawal

Product Features

Min. financing amount5,000
Max.financing amount 200,000
Min. loan tenure1 year
Max. loan tenure10 years
Profit rateAs low as 3.90% to 4.20% p.a T&C Apply
Approval duration3 working days

Fees & Charges

One time set up
Stamp duty0.5% on financing amount
Early settlementNone
Late payment charges1% p.a on sum overdue amount under the facility


Age requirementAge 18 - 60
Employment eligibilityPermanent civil servant only
Min. salary requirementRM2,000 gross per month

Other Requirements

Need to buy Takaful product?Yes
Other detailsSubject to age & financing amount

Product Review byiMoney


Co-opbank Pertama (CBP) offers a highly competitive profit rate in the market from as low as 3.90% p.a which helps to meet your financial needs. Co-opbank Pertama Personal Financing-i Lestari focuses on permanent government employees from public sector organizations. The approval process is within 2 business days and there is no need for any guarantor or collateral in order to apply for the financing.

You are entitled to enjoy a minimum financing tenure of 1 year to 10 years depending on your salary with financing amount of up to RM200,000. To be eligible to apply for this financing, your minimum monthly gross income should be at least RM2,000 and you must be at least 18 years old Malaysian citizen. You will also need a good credit record (CTOS/CCRIS) which means all of your overdue payments for all commitments should be settled off.

Co-opbank Pertama Personal Financing-i Lestari FAQ

What is the maximum amount you can apply?

Borrowable amount of:

  • Applicants are allowed financing amount from RM5,000 - RM200,000.
  • The catch?

    Applicant must be a Malaysian citizen between the age of 18 to 60 (at the end of the financing tenure) to qualify.

    Applicant must be a confirmed full-time civil servant employed for at least 3 months with a minimum gross salary of RM2,000 per month including fixed allowances.

    Repayment type of Biro Perkhidmatan Angkasa (BPA) to CBP

    What will it cost you and how will you be charged?

    One time set-up fee:
  • Stamp duty of 0.5%
  • Broker fee of RM50.
  • Shares fee of RM1,060.
  • Will fee of RM300.
  • Employees from selected company / employer:
  • For financing tenure of 1 - 3 years:
    • Flat profit rate of 3.90% per annum throughout the entire financing tenure.
    • For financing tenure of 4 - 10 years:
      • Flat profit rate of 4.20% per annum throughout the entire financing tenure.
    • No early settlement penalty or late payment charges of 1% p.a on sum overdue amount under the facility.
    • What are the required documentations?

      • Copy of NRIC (front and back)
      • Latest 3 months salary slips
      • Letter of confirmation by your current employer
      • 3months bank statement (salary credited)
      • Redemption Letter (consolidate debt with other FI)

      Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?

      No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your financing on time for another three months before reapplying.