- You Pay
- RM 89 /mth
- Interest Rate
- Total Interest Payable
- RM 70
- Total Repayment
- RM 1,070
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Fast Approval within 10 min
Approved financing amount of up to RM150,000
Affordable monthly repayment plan
Use our personal loan calculator to find the best personal loan based on your requirements and eligibility.
Select the best product that fits your requirements from the list of recommended personal loan products listed and click on the Apply button.
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.
The RHB Personal Financing is a fast approval unsecured personal financing. It offers a high financing amount of up to RM150,000, and a low minimum income requirement of only RM1,500 a month.
Is RHB Personal Financing the right one for me?
Best for: iMoney recommends RHB Personal Financing for emergency use, as it offers fast approval of 10 min.
Income requirements: RM1,500 gross income a month.
Pros: Fast approval with a low-income requirement, as well as a high financing amount.
All you need to do is click on the orange “Apply” button on the top right of your screen. Then fill in your contact details and we will get in touch to get started with your financing application.
The maximum you can borrow is up to RM150,000, while the minimum amount is RM2,000.
How long can you spread your repayment? The maximum financing tenure for RHB Personal Financing is 7 years, while the minimum is 1 year. The longer your financing tenure is, the lower your monthly instalment will be.
The iMoney Calculator is designed to match you with the most suitable financing for your needs. It takes into account your salary (which will determine how much you are able to borrow), the type of financing you want, and the amount you want to apply.
You can also use the calculator to adjust the amount of time you will need to pay it back to get an idea of how much the monthly payments you can afford.
The RHB Personal Financing is a fixed rate personal financing with fixed instalment payment throughout the financing tenure. The profit rate ranges from 8.18% to 13.45% per annum, or per year throughout the financing tenure.
The profit rate may vary based on your financing amount and financing tenure:
Profit Rate from (p.a.)
RM2,000 - RM10,000
5 Years (60 Months)
RM11,000 - RM15,000
7 Years (84 Months)
RM16,000 - RM50,000
RM51,000 - RM99,000
RM100,000 - RM150,000
Income: It has a low minimum income of RM1,500 per month.
Age: To qualify, you must be aged between 21 and 55. This means, your financing should end latest by age 55 of the borrower.
Other qualifying criteria:
Upon completing your application with iMoney, our call centre consultant will contact you to confirm your application. Then, you will need to complete your application at the nearest RHB Bank branch.
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 the bank. Typically, you will not need to submit additional documents, but to be on the safe side, do bring along the following documents:
The RHB Personal Financing can be processed as fast as 10 min upon submitting all your information and documents to the bank. iMoney will assist you in checking eligibility and completing your form and document submission.
Upon approval, the financing amount will be credited into a bank account that you provided to the bank. You may be required to open an RHB Bank or RHB Islamic Bank account.
You can contact iMoney for updates on your RHB Personal Financing. We will retrieve the status and get back to you within two (2) working days.
One-time set-up fee: You may be required to pay the stamp duty for the financing, which will be deducted from the amount before it is credited to your account.
Late payment charges: 1% on the outstanding financing amount
Early settlement fee: There is a lock-in period of 6 months from the date of the letter of offer. Early settlement fee during the lock-in period is RM100 or 1% of total financing approved, whichever is higher.
Insurance protection: The bank may require you to take up insurance or Takaful coverage for this financing, which varies accordingly to financing amount, age and payment period.
The monthly repayment is fixed throughout the financing tenure, and calculated based on your financing amount, financing tenure and interest rate.
Use the personal financing calculator above to calculate your monthly repayment.
Here you can find and download the RHB Personal Financing repayment table.
You can check on your RHB financing status by logging into your RHB Now online account. It will be listed alongside any other RHB accounts that you own.
Yes, the RHB Personal Financing application is open to all Malaysian citizens.
No, personal financings in Malaysia mainly cater to locals. If you require a financing, please directly contact your nearest bank branch and make a special request.
To apply for an RHB Personal Financing you must be between the ages 18 and 55 years old, and be able to show proof of income.
As part of its approval process, RHB Bank will check your credit record to determine your creditworthiness. If you have been blacklisted, have a bad CCRIS record or have a weak credit score, chances are your application will be rejected.
iMoney recommends that you settle all your overdue payments before applying and keep a healthy credit record before you apply for personal financing. It is advised that you continue repaying your financing on time for another three months before reapplying.
Check your iMoney CreditScore for free to find out how your credit health is.
If you are on the lookout for an Islamic financing facility with a lower interest rate, Hong Leong is offering fixed-rate personal financing from 5% per annum. It has a slightly higher monthly income requirement from RM2,000 per month.
The Maybank Islamic Personal Financing-i offers a rate starting from 6.5% per annum for higher financing amount, with tenure between 2 and 6 years. However, it has a lower maximum finncing amount of up to RM50,000.