RM
year(s)
RM
- You Pay
- RM 89 /mth
- Interest Rate
- Total Rate Payable
- RM 70
- Total Repayment
- RM 1,070
CBP Personal Financing‑i Lestari (Public & Private Staff)
-
- Interest Rate
- 3.45% p.a. ~ 5.00% p.a.
-
- Max. Financing Amount
- RM 400,000
-
- Approval Duration
- 3 working days
Co-opbank Pertama Financing Calculator
Promotion
Rates from as low as 3.45% p.a.
Financing up to RM400,000, approved in just 5 hours.
Open to government & selected private sector staff. Apply on iMoney.
Terms and Conditions apply.
Key Features
Tawarruq-Based Financing with Full Digital & Branch Support
Fixed rate, from 3.45% p.a. depending on segment and tenure
Open to government, GLC, cooperative, private-sector employees, and licensed professionals.
More details
-
Features- Approval Duration
- 3 working days
- Min. Financing Amount
- RM 5,000
- Max. Financing Amount
- RM 400,000
Other features
- Max. Financing amount:
- Up to RM400,000 for I-Lestari, and up to RM200,000 for I-Lestari Profesional
-
Eligibility & Required Documents- Employment Eligibility
- Malaysian employed in Civil Service, Statutory Bodies, GLC, or in private Sdn Bhd with at least 3 months’ service (2 years for contract staff in selected agencies)
- Min. Monthly Salary
- RM 1,500
Other eligibility requirements
- Criteria
- 1. Permanent employees of Government, Statutory Bodies & GLCs — minimum 3 months of service
- 2. Contract employees of KEMAS & Department of National Unity (Jabatan Perpaduan) — minimum 2 years of service
- 3. Contract doctors — minimum 1 year of service
- 4. Permanent employees of selected private companies — minimum 3 years of service
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Fees and charges- Stamp Duty
- 0.5% of financing amount
Other fees and charges
- Late Payment Charges:
- 1% p.a. (standard)
- Early Settlement:
- No penalty via BPA; 1 month advance instalment required if not via BPA
- Collateral/Guarantor Fees:
- Not required
Other similar products
How do you apply for a personal financing online?
Step 1
Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.
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
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 Islamic Personal Financing
More details about the product
Co-opbank Pertama i-Lestari Personal Financing-i is a Shariah-compliant personal financing solution based on the Tawarruq concept. Designed to meet your financial needs with flexibility and ease, it offers fast processing with an instant withdrawal option. Eligible applicants under the BPA and PGM methods can also enjoy premium benefits such as higher financing limits and no advance payment requirement. With its customer-friendly features and commitment to Islamic principles, i-Lestari Personal Financing-i is an excellent choice for individuals seeking a reliable and convenient Islamic financing facility.
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Malaysian aged 18+ (21 for PGM method), current civil servants, GLC staff or selected private employees, earning minimum RM2,000-5,000 depending on sector.
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Financing from RM5,000 up to RM200,000, capped at 8-15× months income based on employer/payment method.
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Floating rates from 3.45% to 4.69% p.a., varying with tenure and repayment method.
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Stamp duty at 0.5% applies. No guarantor/collateral fees. Late repayment likely incurs 1% p.a.; advance payment of 1 months applies if not via BPA.
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Up to 120 months (10 years) or until retirement age, whichever comes first.
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Extremely low Shariah-compliant floating rates, high financing limits with no collateral or guarantor, and flexible repayment via salary deduction—ideal for civil servants and earning private employees.
Last updated: Aug 21, 2026
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