• Interest Rate (p.a.)

    8.18% - 14.52%

  • Loan Tenure

    1 - 5 years

  • Approval Duration

    On-the-spot

  • Min. monthly income

    RM1,500

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Loan approved on-the-spot at any branches nationwide!

Check your eligibility with us now

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What's so great about RHB Easy-Pinjaman Ekspres?
  • Approved financing amount of up to RM150,000
  • Fixed interest rate starting from as low as 8.18% to 14.52% per annum
  • 10 minutes approval and disbursement at RHB Branch

Product Features

Min. financing amountRM2,000
Max.financing amount Up to RM150,000
Min. loan tenure1 year
Max. loan tenure5 years
Islamic/ConventionalIslamic
Interest rateFixed rate of 8.18% – 14.52% per annum
Approval durationOn-the-spot
Debt consolidationNo

Fees & Charges

One time set up
Processing feeN/A
Stamp duty0.5% stamp duty fee is applicable
Disbursement & misc. feeN/A
Penalties
Early settlementPenalty of RM200 for settlement within the first 6 months from the date of financing approval
Late payment charges1% on outstanding financing amount

Eligibility

Age requirementAge 21 - 55
Employment eligibilityGovernment servants, employees of private sector organizations, and self-employed individuals
Min. salary requirementRM1,500 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?Yes
Need to buy Takaful product?Customer is not required to buy Takaful for this EPE financing however, Personal Smart Shield (PSS) PA insurance is available

Product Review byiMoney

RHB Easy-Pinjaman Ekspres FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to RM150,000 for a maximum financing tenure of five years.

The catch?

Applicant must be between the age 21 to 55 above to qualify.

Applicant must be a Malaysian citizen employed as a Government servant, employee of a private sector organization, or self-employed with a minimum gross salary of RM1,500 per month.

Opening of a linked bank account is compulsory.

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

One time set-up fee:
  • 0.5% stamp duty fee is applicable as per Stamp Duty Act 1949 (Revised 1989) to be deducted upfront before financing disbursement. No other set-up fees need to be paid.
  • Recurring payments:
  • Monthly repayment comprising principal amount and interest charge via standing instruction deduction.
  • For financing amount of RM2,000 – RM10,000, from 12-60 months:
  • Fixed interest rate of 13.47%-14.52% per annum throughout the entire financing tenure.
  • For financing amount of RM11,000 – RM50,000, from 12-60 months:
  • Fixed interest rate of 11.74%-12.46% per annum throughout the entire financing tenure.
  • For financing amount of RM51,000 – RM99,000, from 12-60 months:
  • Fixed interest rate of 9.90%-10.47% per annum throughout the entire financing tenure.
  • For financing amount of RM2,000 – RM10,000, from 12-60 months:
  • Fixed interest rate of 8.18%-8.55% per annum throughout the entire financing tenure.
  • Penalties:
  • Early settlement penalty of RM200 for settlement within 6 months from the date of financing approval.
  • Late payment charges of 1% on outstanding financing amount. Late payment charges will increase your total outstanding financing amount.
  • How long will the application take and what documentations are required?

    Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application. All you need to bring along with you to the bank is your MyKad. With biometric verification, all your income data needed will be auto-filled electronically by RHB Easy. No documents or forms to fill!

    However, to be on the safe side, do bring along the following documents with you as well!

    If you are a salaried employee, please prepare the following:

  • Latest payment slip
  • Most current EPF Statement with latest 6 month contribution
  • Latest bank saving account passbook or current/savings account statement
  • If you are self-employed, please prepare the following:

  • Business Registration Certificate (must be at least 2 years in business)
  • Latest 6 months' bank statement
  • Most recent Form B/BE from LHDN
  • 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.


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