• Profit rate (p.a.)

    6.88% - 9.50%

  • Loan Tenure

    2 - 10 years

  • Approval Duration

    3 working days

  • Min. monthly income



Borrow financing up to RM 250,000

KFH Personal Financing-i is the best possible way to get you started with a financing that comes with a unique and flexible tenure

Loan calculator
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What's so great about Kuwait Finance House Personal Financing-i?
  • Financing amount up to RM250,000
  • Fixed profit rate from 6.88% p.a up to 9.5% p.a subject to T&C
  • Stretch financing tenure up to 10 years
  • Takaful protection for total peace of mind

Product Features

Min. financing amountRM5,000
Max.financing amount RM250,000
Min. loan tenure2 years
Max. loan tenure10 years
Profit rateAs low as 6.88% per annum subject to T&C
Approval duration3 working days

Fees & Charges

One time set up
Stamp duty0.5% of financing amount
Disbursement & misc. feeN/A
Early settlementN/A
Late payment charges1% from current outstanding amount


Age requirementAge 21 - 60
Employment eligibilityEmployed for more than a year for Private Sector Salaried Earner (permanent employee) & more than 6 months for MNC, PLC, GLC, Berhad and Sdn Bhd (permanent employee)
Min. salary requirementRM3,000 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?N/A
Need to buy Takaful product?Compulsory

Product Review byiMoney

Kuwait Finance House Personal Financing-i FAQ

What is the maximum allowable financing amounts?

Financing amount of up to 10x your monthly gross salary or up to RM250,000 for a maximum tenure of 10 years

The catch?

Applicant must be at least 21 years. Max age depending on age and financing tenure

An employee of a private sector with a minimum gross salary of RM3,000 per month*

Group Credit Term Takaful (GCTT) is required to be taken up by the customer

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

One time set-up fee:
  • Stamp duty of 0.5% on financing amount to be deducted upfront before financing disbursement (as per Stamp Duty Act 1989).
  • Recurring payments:
  • Monthly payment comprising principal amount and profit charge. For financing tenure of 2 - 10 years, the profit rate ranging from 6.88% to 9.50% per annum, subject to T&C
  • Late penalty charge:
  • 1% from current outstanding amount

  • How long is the application approval process and what are the documents required?

    Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.

    Thereafter, KFH Bank will require an average of three business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.

    You are required to furnish the following documents for your financing application:

  • Copy of NRIC (front and back)
  • 3 months (most current) salary slips
  • EPF statement (most current)
  • Other documents on case to case basis
  • 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, but subject to the banks own credit assessment.

    If you are looking for other personal loans, you may also consider
    Alliance Bank CashFirst Personal Loan
  • Alliance Bank CashFirst Personal Loan provides 40% cashback until this 31 May 2019 a fixed interest rate starting from 5.33% p.a. Eligible customers must pay monthly instalment amount on or before the due date during the entire tenure to enjoy this incredible cashback.
  • Al Rajhi Bank Personal Financing-i
  • With Al Rajhi Bank Personal Financing-i, the financing comes with a low profit rate starting from as low as 4.99% p.a. This personal financing allows you to get approved up to 8x your monthly salary or RM150,000, whichever is lower.
  • Citibank Personal Loan
  • The personal loan interest rate for Citibank starts from 5.88% p.a. and has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM4,000.