Borrowable amount of up to RM100,000 (salaried) or up to RM50,000 (self-employed) for a maximum loan tenure of five years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age 21 to 55 above to qualify.
\r\n
Applicant must be a Malaysian citizen employed as a Government servant, employee of private sector organization, or self-employed with a minimum gross salary of RM2,000 per month (salaried) or RM3,000 per month (self-employed).
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly salary deduction.
Fixed interest rate of 10.99% per annum (0.92% per month) throughout the entire loan tenure.
\r\n
\r\n\r\nFor monthly gross salary of RM7,000 and above (salaried) / RM8,000 and above (self-employed):\r\n\r\n
\r\n
Fixed interest rate of 9.99% per annum (0.83% per month) throughout the entire loan tenure.
\r\n
\r\n\r\nPenalties:\r\n
Early settlement penalty of a sum equivalent to 3% of outstanding loan amount or RM300, whichever is higher.
\r\n
Late payment charges of 1% on outstanding loan amount or RM10 per day, whichever is higher. Late payment charges will increase your total outstanding loan amount.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, UOB will require an average of seven business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
BE Form with validated payment slip/receipt (most current)
\r\n
\r\n\r\nSelf-employed applicant:\r\n\r\n
\r\n
Copy of NRIC (front and back)
\r\n
B/BE form with tax payment receipt attached (most current)
\r\n
3 months (most current) bank statements showing salary credit transactions
\r\n
Form 9, 24, or 49 OR Business Registration Certificate
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
Hong Leong Personal Loan has a flat interest rate starting from 12% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
With Maybank Islamic Personal Financing-i, the personal loan comes with an fixed interest rate starting from 9% p.a. This personal loan has a maximum tenure of 6 years. It also comes with a minimum income requirement of RM2,500.
The personal loan rate for Alliance Bank CashFirst Personal Loan starts from 8.88% p.a. It has a maximum tenure of 7 years. The personal loan also comes with a minimum income requirement of RM2,000.
","productInterestRate":"10.99","monthlyRepayment":"1108","totalAmountPayable":"39891","totalInterestPayable":"9891"},"PersonalLoan":[{"id":39,"personalLoanBank":{"id":27,"bank":{"id":36,"logo":"uploads/my/logos/maybank-logo.png","name":"Maybank","description":"","path_alias":""},"title":"Maybank","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/maybank-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":5000,"interest_rate":8,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":20001,"interest_rate":7,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":50001,"interest_rate":6.5,"min_salary":null}],"featured_highlight":[{"id":111,"text":"Approved loan amount of up to RM100,000"},{"id":112,"text":"Fixed interest rate starting at 0.54% per month"},{"id":113,"text":"Loan approval within 2 business days (48 hours)"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"2019 Maybank Personal Loan - 0.54% Monthly Fixed Interest Rate","meta_description":"Apply today for Maybank personal loan with a low rate from 6.50% p.a. and 48 hours approval time. Calculate your monthly repayments with us.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/maybank/personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":39}],"title":"Maybank Personal Loan","description":"","nid":"6","published":true,"path_alias":"personal-loan/maybank/personal-loan","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":100000,"min_tenure":2,"max_tenure":6,"min_age":21,"max_age":60,"min_income":2500,"min_financing":"RM5,000","max_financing":"Up to 4x fixed monthly salary or up to RM100,000","min_loan_tenure":"2 years","max_loan_tenure":"6 years","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Fixed rate of 6.50% – 8.00% per annum","approval_duration":"Up to 2 business days","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"N/A","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"RM200 or sum equivalent to 3% of outstanding loan amount, whichever is higher. Penalty will only be imposed for early settlement within the first half of the loan tenure","late_payment_charges":"1% on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Maybank Personal Loan is an unsecured personal loan for Malaysian citizens who would like to finance with a minimum amount of RM5,000 up to RM100,000. To be able to enjoy a low interest rate, the loan amount should be RM50,001 up to RM100,000 (6.5% per annum), RM20,001 up to RM50,000 (7% per annum) but if you are planning to apply for a low amount around RM5,000 to RM20,000, your interest rate would be at 8% per annum. It is a hassle free loan with no guarantor or collateral needed but to be eligible to apply for this loan, one must be employed with a minimum monthly gross income of RM2,500 and must be at least 21 years old.
\r\n
To get the loan approved it all depends on the applicant’s credit ratings. You can enjoy minimum loan tenure of 2 years and a maximum tenure of 6 years. If you are an applicant with full-time employment, you will need to prepare a clear copy of your NRIC (front and back), latest 3 months salary slips, latest 6 months savings account activity OR current account statements and latest BE form with tax payment receipt attached. If you are a self-employed applicant, you will need to prepare a clear copy of your NRIC (front and back), latest 6 months bank statements, latest BE form with tax payment receipt attached and a copy of your Business Registration Certificate. Be sure that you have settled any overdue payments for your other commitments because you will not be eligible to apply for a personal loan if you have a bad credit record (CTOS/CCRIS).
\r\n \r\n\r\n
Maybank Personal Loan FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to four times your fixed monthly gross salary or RM100,000 for a maximum loan tenure of six years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 60 to qualify.
\r\n
Applicant must be a Malaysian citizen or permanent resident employed as a Government servant, employee of a private sector organization, or self-employed with a minimum gross salary of RM2,500 per month.
\r\n
Opening of a linked bank account is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
No set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly salary deduction.
\r\n\r\nFor loan amount of RM5,000 – RM20,000:\r\n
Fixed interest rate of 8.00% per annum (0.67% per month) throughout the entire loan tenure.
\r\n\r\nFor loan amount of RM20,001 – RM50,000:\r\n
Fixed interest rate of 7.00% per annum (0.58% per month) throughout the entire loan tenure.
\r\n\r\nFor loan amount of RM50,001 – RM100,000:\r\n
Fixed interest rate of 6.50% per annum (0.54% per month) throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Early settlement penalty of RM200 or a sum equivalent to 3% of total outstanding loan amount, whichever is higher. Early settlement penalty will only be imposed for early settlement within the first half of the loan tenure.
\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Maybank will require an average of two business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nApplicant with full-time employment:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
6 months (most current) savings account activity OR current account statements
\r\n
BE form with tax payment receipt attached (most current)
\r\n
\r\nSelf-employed applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
6 months (most current) bank statements
\r\n
BE form with tax payment receipt attached (most current)
\r\n
Copy of Business Registration Certificate
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With Al Rajhi Bank Personal Financing-i, the personal loan comes with an fixed interest rate starting from 7.25% p.a. This personal loan has a maximum tenure of 7 years. It also comes with a minimum income requirement of RM5,000.
Standard Chartered Quick Cash EDGE has a flat interest rate starting from 10.56% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
The personal loan rate for UOB Personal Loan starts from 9.99% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.
"},{"id":40,"personalLoanBank":{"id":28,"bank":{"id":13,"logo":"uploads/logos/alliance-islamic-bank-logo.png","name":"Alliance Islamic Bank","description":"","path_alias":""},"title":"Alliance Islamic Bank","description":"","published":true,"path_alias":"","logo":"uploads/logos/alliance-islamic-bank-logo.png"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":15.28,"min_salary":3000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":11.28,"min_salary":4000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":5.33,"min_salary":5000}],"featured_highlight":[{"id":114,"text":"Fixed profit rate starting at 5.33% per annum (subject to bank's approving criteria)"},{"id":115,"text":"Approved financing amount of up to RM200,000"},{"id":116,"text":"Consolidate Credit Card and/or Personal Loan commitments into ONE single monthly repayment"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"Application form","description":"Alliance CashVantage"},{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"1 month (fixed income) or 3 months (variable income)"}],"seo":[{"meta_title":"Get Alliance Islamic Bank Personal Loan - 48 Hours Approval Period","meta_description":"Looking for a personal financing in Malaysia? Alliance Islamic CashVantage Personal Financing-i is the best loan for you to pay off your expenses. Apply today!","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/alliance-islamic-bank/cashvantage-personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":40}],"title":"Alliance Islamic Bank CashVantage Personal Financing-i","description":"","nid":"39","published":true,"path_alias":"personal-loan/alliance-islamic-bank/cashvantage-personal-financing-i","apply_link":"http://offers.imoney.my/campaign/personal-loan/alliance?src=listing_page_eng","apply_button_text":"","min_amount":5000,"max_amount":150000,"min_tenure":1,"max_tenure":7,"min_age":21,"max_age":60,"min_income":3000,"min_financing":"RM5,000","max_financing":"Up to 7x fixed monthly salary or up to RM200,000","min_loan_tenure":"1 year","max_loan_tenure":"7 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Fixed rate starting from 5.33% per annum (Flat), subject to income and risk profile","approval_duration":"Up to 48 hours","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"0.5% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% p.a. on outstanding loan amount","other_penalty":"","employment_eligibility":"Salaried, self employed, commission earner","guarantor_collateral_requirement":"N/A","age_requirement":"21 - 60 years old","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"Must have existing credit commitment for at least 12 months","product_text":"Islamic","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
Overview
\r\n
Alliance Islamic Bank CashVantage Personal Financing-i is an unsecured Islamic Personal financing which provides financial needs whether it is for personal usage, debt consolidation or business purpose for Malaysian citizens and permanent residents working and living in Malaysia. If you are looking forward mainly for debt consolidation, this financing can help you consolidate up to a maximum of 4 credit cards and/or personal financing commitments into ONE single monthly instalment. The minimum financing amount to be applied is RM5,000 and the maximum you can go up to is RM200,000 for a minimum financing tenure of 1 year and maximum of 7 years. The good thing about applying for this personal financing is the low monthly instalment from as low as RM97 (which depends on your financing amount, financing tenure and profit rate), there will be no processing fee, fast approval, no guarantor or collateral required and no early settlement penalty.
\r\n
Therefore, you will enjoy the fixed rate that is between 8.88% - 15.28% per annum depending on customer profile and income. A one-time fee will be charged to you for stamp duty with the rate of 0.5% of financing amount (no other set up fees need to be paid). If you failed to make your monthly repayments on time a late payment fee of 1% per annum on outstanding financing amount will be charged to you. In order to qualify for the financing you must be between the age of 21-60 years old and with a minimum gross salary of RM3,000 per month. The most important thing to avoid financing rejection is not to have any overdue payments with your other financing taken from banks and to maintain a good credit history in your CTOS & CCRIS record.
\r\n\r\n
Alliance Islamic Bank CashVantage Personal Financing-i FAQ
\r\n
What is the maximum amount you can borrow?
\r\n
The total amount you will be able to to borrow is up to four times your fixed monthly gross salary or up to RM200,000 for a maximum financing tenure of seven years.
\r\n\r\n
The catch?
\r\n
In order to qualify for the financing, the applicant must be between the age of 21 to 60. Bear in mind, the applicant's age must not exceed 60 at the end of the financing tenure.
\r\n
Applicant must be a Malaysian citizen or permanent resident working and residing in Malaysia with a minimum gross salary of RM3,000 per month. Malaysian citizens working in Singapore but residing in Malaysia will be considered.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
A Stamp duty fee of 0.5% on financing amount deducted upfront before financing disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and profit charge via monthly salary deduction.
\r\n\r\n
For customers with low risk level profile:
\r\n
Fixed profit rate ranging from 8.88% to 10.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\n
For customers with medium risk level profile:
\r\n
Fixed profit rate ranging from 11.28% to 12.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\n
For customers with high risk profile:
\r\n
Fixed profit rate ranging from 15.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\n\r\nPersonal financing rate is based on individual risk rating.\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed if you provide Alliance Islamic Bank with:
\r\n\r\n
3 months advance notice in writing, OR
\r\n
Payment equivalent to 3 month’s profit charge in lieu of advance notice
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will be in contact with you within the same business day to confirm your application.
\r\n
Thereafter, Alliance Islamic Bank will require an average of seven business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nEmployee of MNC:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - 1 month latest salary slip (fixed income) OR 3 months latest salary slips (variable income) \r\n - EA Form (most current) \r\n - Latest EPF Statement with 13 months contribution \r\n - BE Form with validated payment slip/receipt to LHDN \r\n
\r\n\r\nEmployee of non-MNC or private limited company:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - Latest 3 months salary slips (with supporting bank statement) \r\n - Latest EPF Statement with 13 months contribution \r\n - BE Form with validated payment slip/receipt to LHDN\r\n
\r\n\r\nSelf-employed applicants:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n
Copy of current and valid Business Registration Card (business must be at least 2 years)
\r\n - Latest 6 months salary slips OR latest 6 months principal bank statement \r\n - Latest 13 months (most current) EPF Statement \r\n - B Form with validated payment slip/receipt to LHDN\r\n
\r\n\r\nApplicants earning commission:\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - Latest 6 months salary slip/ commission statement / payment voucher verified against bank statements \r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for RHB Easy-Pinjaman Ekspres starts from 8.28% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM1,500.
With HSBC Amanah Personal Financing-i, the personal loan comes with fixed profit rate starting from 6.99% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM3,000.
AmBank Islamic AmMoneyLine Facility-i has a flat profit rate starting from 8% p.a. The maximum tenure for this personal loan is 8 years. It also comes with a minimum income requirement of RM2,000.
"},{"id":41,"personalLoanBank":{"id":29,"bank":{"id":25,"logo":"uploads/my/logos/hong-leong-islamic-logo_0.png","name":"Hong Leong Islamic","description":"","path_alias":""},"title":"Hong Leong Islamic","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/hong-leong-islamic-logo_0.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":5000,"interest_rate":12,"min_salary":null}],"featured_highlight":[{"id":117,"text":"Approved loan amount of up to RM150,000"},{"id":118,"text":"Fixed interest rate of 1.00% per month"},{"id":119,"text":"Loan approval within 2 business days (48 hours)"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Hong leong Islamic Personal Loan - 48 Hours Approval Duration","meta_description":"Use our personal loan calculator to determine your monthly repayment for Hong Leong Islamic Personal Financing-i loan. Get fixed 12%p.a. interest rate.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/hong-leong-islamic/personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":41}],"title":"Hong Leong Islamic Personal Financing-i","description":"","nid":"44","published":true,"path_alias":"personal-loan/hong-leong-islamic/personal-financing-i","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":250000,"min_tenure":1,"max_tenure":5,"min_age":21,"max_age":60,"min_income":2000,"min_financing":"RM5,000","max_financing":"Up to 5x fixed monthly salary or up to RM150,000","min_loan_tenure":"2 years","max_loan_tenure":"7 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Fixed rate of 12.00% per annum","approval_duration":"Up to 2 business days","debt_consolidation":"No","processing_fee":"RM15","stamp_duty":"0.5% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Hong Leong Islamic offers attractive benefits when you apply for Hong Leong Islamic Personal Financing-i TODAY! This is an Islamic personal loan for Malaysian citizens employed as Government servant, employee of private sector organization, or self-employed. The loan usually gets approved within 48 hours without any guarantor and collateral. The minimum financing amount you can apply is RM5,000 and maximum up to RM150,000 with minimum loan tenure of 2 years and maximum 7 years. The interest rate is fixed at 12.00% per annum.
\r\n
You will also need to pay a Wakalah (Agency) fee of RM15 and stamp duty fee of 0.5% of loan amount. On top of that, 1% on outstanding loan amount will be charged as late payment charges if you failed to make your monthly repayments on time. You can make an early settlement of your loan at any time without any fees or penalty occur by providing the bank three months written notice. To apply for this loan, you need to be between 21 to 60 years old and earning a minimum gross income of RM2,000 per month.
\r\n \r\n\r\n
Hong Leong Islamic Personal Financing-i FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to five times your fixed monthly gross salary or up to RM150,000 for a maximum loan tenure of five years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 60 to qualify.
\r\n
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 RM2,000 per month.
\r\n
Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Wakalah (Agency) fee of RM15 and stamp duty of 0.5% on loan amount deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction. Interest charge is fixed at 12.00% per annum (1% per month) throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed if you provide Hong Leong Bank with 3 months advance notice in writing.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Hong Leong Bank will require an average of two business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nApplicant with full-time employment:\r\n
\r\n
3 months (most current) salary sips
\r\n
BE form with tax payment receipt attached (most current)
\r\n
EPF statement with at least 6 months of contribution (most current)
\r\n
3 months (most current) bank statements OR saving passbook
\r\n
Letter of employment
\r\n
\r\nSelf-employed applicant:\r\n
\r\n
6 months (most current) bank statements OR saving passbook
\r\n
B form with tax payment receipt attached (most current)
\r\n
6 months (most current) commission statements
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for RHB Personal Financing starts from 8.18% p.a. It has a maximum tenure of 7 years. The personal loan also comes with a minimum income requirement of RM 2,000
With Maybank Personal Loan, the personal loan comes with an fixed interest rate starting from 6.5% p.a. This personal loan has a maximum tenure of 6 years. It also comes with a minimum income requirement of RM2,500.
Al Rajhi Bank Personal Financing-i has a flat interest rate starting from 7.25% p.a. The maximum tenure for this personal loan is 7 years. It also comes with a minimum income requirement of RM5,000.
"},{"id":42,"personalLoanBank":{"id":30,"bank":{"id":28,"logo":"uploads/my/logos/hong-leong-bank-logo.png","name":"Hong Leong","description":"","path_alias":""},"title":"Hong Leong","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/hong-leong-bank-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":5000,"interest_rate":9,"min_salary":null}],"featured_highlight":[{"id":120,"text":"Approved loan amount of up to RM100,000"},{"id":121,"text":"Monthly instalments as low as RM103"},{"id":122,"text":"Loan approval within 2 business days (48 hours)"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"2019 Hong Leong Personal Loan - 48 Hours Approval Period","meta_description":"Personal Loan from Hong Leong is an unsecured loan with a fast approval process and a fixed 9% rate p.a. Calculate your monthly repayments with us!","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/hong-leong/personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":42}],"title":"Hong Leong Personal Loan","description":"","nid":"45","published":true,"path_alias":"personal-loan/hong-leong/personal-loan","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":100000,"min_tenure":2,"max_tenure":7,"min_age":21,"max_age":60,"min_income":2000,"min_financing":"RM5,000","max_financing":"Up to 5x fixed monthly salary or up to RM100,000","min_loan_tenure":"2 years","max_loan_tenure":"7 years","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Flat Interest Rate ranges from 9.0% - 13.5% per annum","approval_duration":"Up to 2 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.5% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Hong Leong Personal Loan is an unsecured personal available to citizens of Malaysia who are employed as a Government servant, employee of a private sector organization, or self-employed. If you are looking for a personal loan in a hurry then you are lucky because Hong Leong Personal Loan takes up 2 business days for the approval duration. The application process is fast and hassle free because there is no guarantor or collateral needed in order to apply for the personal loan. The minimum loan amount required in order to be able to enjoy the benefits of Hong Leong Personal Loan is RM5,000 and up to RM100,000. You are also entitled to enjoy this fantastic personal loan minimum tenure of 2 years up to 7 years.
\r\n
For this conventional personal loan, you will have a fixed interest rate of 12.00% per annum. In addition, in order to save up, there will be no processing fee, no disbursement fee and no early settlement penalty charges but take note that you will be charged with a 0.5% stamp duty from the loan amount and also will be charged with 1% on outstanding loan amount for any late payments. To be eligible to apply for this loan, your minimum monthly gross income should be at least RM2,000 and you must be at least 21 years old. You will also need a good credit record (CTOS/CCRIS) that means all of your overdue payments for all commitments should be settled off.
\r\n \r\n\r\n
Hong Leong Bank Personal Loan FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to five times your fixed monthly gross salary or up to RM100,000 for a maximum loan tenure of 7 years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 60 to qualify.
\r\n
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 RM2,000 per month.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction. Interest charge is fixed at 12.00% per annum (1% per month) throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed if you provide Hong Leong Bank with:
\r\n
\r\n
3 months advance notice in writing, OR
\r\n
Payment equivalent to 3 month’s interest charge in lieu of advance notice
\r\n
\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Hong Leong Bank will require an average of two business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nApplicant with full-time employment:\r\n
\r\n
Copy of any of the documents below (choose one):
\r\n
3 months (most current) salary slips, and 3 months (most current) EPF OR personal bank statements
\r\n
EPF statement dated within last 2 months
\r\n
EA form dated within last 12 months, and 3 months (most current) EPF OR personal bank statements
\r\n
B/BE form (most current)
\r\n
3 months (most current) personal bank statements
\r\n
\r\n\r\nSelf-employed applicant:\r\n
\r\n
Business Registration Certificate OR operating license
\r\n
Any of the documents below (choose one):
\r\n
6 months (most current) company bank statement
\r\n
B/BE form (most current)
\r\n
EPF statement (most current)
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
Alliance Islamic Bank CashVantage Personal Financing-i has a flat interest rate starting from 10.38% p.a. The maximum tenure for this personal loan is 7 years. It also comes with a minimum income requirement of RM2,000
With UOB Personal Loan, the personal loan comes with a floating interest rate starting from 11.99% p.a. This personal loan has a maximum tenure of 7 years. It also comes with a minimum income requirement of RM2,000.
The personal loan rate for Standard Chartered CashOne starts from 10.5% p.a. It has a maximum tenure of 7 years. The personal loan also comes with a minimum income requirement of RM3,000.
"},{"id":43,"personalLoanBank":{"id":31,"bank":{"id":37,"logo":"uploads/my/logos/maybank-islamic-logo.png","name":"Maybank Islamic","description":"","path_alias":""},"title":"Maybank Islamic","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/maybank-islamic-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":5000,"interest_rate":8,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":20001,"interest_rate":7,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":50001,"interest_rate":6.5,"min_salary":null}],"featured_highlight":[{"id":123,"text":"Approved loan amount of up to RM100,000"},{"id":124,"text":"Fixed interest rate starting at 0.54% per month"},{"id":125,"text":"Loan approval within 2 business days (48 hours)"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Get the Best Out of Maybank Islamic Personal Financing-i Loan Malaysia","meta_description":"Searching for a personal loan with interest rates as low as 6.5% p.a.? Maybank Islamic Personal Financing-i is the right one for you. Get it now!","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/maybank-islamic/personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":43}],"title":"Maybank Islamic Personal Financing-i","description":"","nid":"48","published":true,"path_alias":"personal-loan/maybank-islamic/personal-financing-i","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":100000,"min_tenure":2,"max_tenure":6,"min_age":21,"max_age":60,"min_income":2500,"min_financing":"RM5,000","max_financing":"Up to 4x fixed monthly salary or up to RM100,000","min_loan_tenure":"2 years","max_loan_tenure":"6 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Fixed rate of 6.50% – 8.00% per annum","approval_duration":"Up to 2 business days","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"N/A","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
If you are looking for an Islamic personal loan, Maybank Islamic Personal Financing-i is here to offer you an unsecured Islamic personal loan of up to 6 years for Malaysian citizens. No matter if you’re a Government servant, an employee of a private sector organization or self-employed, you will still be able to apply this personal loan and to apply for this Islamic personal loan would be hassle free because the loan approval process is within 2 business days (48 hours), there is no processing fee, no stamp duty involved, no disbursement fee, and no penalty charges for any early settlement but point to be noted here is that there will be late payment charges of 1% on outstanding loan amount.
\r\n
On top of that you will not need to have any guarantor or collateral in order to apply for this Islamic personal loan. You will be able to enjoy a fixed interest rate of 6.50% up to 8% per annum and the interest rate is all depending on your loan amount (the higher the loan amount the lower the interest rate). You may finance a minimum amount of RM5,000 up to maximum RM100,000 or up to 4x the amount of your fixed monthly salary. To be eligible to apply for this loan, you minimum monthly gross income should be at least RM2,500 and you must be at least 21 years old. You will also need a good credit record (CTOS/CCRIS) that means all of your overdue payments for all commitments should be settled off.
\r\n \r\n\r\n
Maybank Islamic Personal Financing-i FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to four times your fixed monthly gross salary or up to RM100,000 for a maximum loan tenure of six years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 60 to qualify.
\r\n
Applicant must be a Malaysian citizen or permanent resident employed as a Government servant, employee of a private sector organization, or self-employed with a minimum gross salary of RM2,500 per month.
\r\n
Opening of a linked bank account and Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
No set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via online banking, cash or cheque deposit, or standing instruction deduction.
\r\n\r\nFor loan amount of RM5,000 – RM20,000:\r\n
Fixed interest rate of 8.00% per annum (0.67% per month) throughout the entire loan tenure.
\r\n\r\nFor loan amount of RM20,001 – RM50,000:\r\n
Fixed interest rate of 7.00% per annum (0.58% per month) throughout the entire loan tenure.
\r\n\r\nFor loan amount of RM50,001 – RM100,000:\r\n
Fixed interest rate of 6.50% per annum (0.54% per month) throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Maybank will require an average of two business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nApplicant with full-time employment:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
2 months (most current) salary slips
\r\n
6 months (most current) savings account activity OR current account statements
\r\n
\r\nSelf-employed applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
6 months (most current) bank statements
\r\n
BE form with tax payment receipt attached (most current)
\r\n
Copy of Business Registration Certificate
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
Citibank Ready Credit (Pay Lite) has a effective interest rate starting from 14% p.a. The maximum tenure for this personal loan is 4 years. It also comes with a minimum income requirement of RM2,000.
With Bank Rakyat Personal Financing-i Aslah Swasta, the personal loan comes with an effective interest rate starting from 14.1% p.a. This personal loan has a maximum tenure of 10 years. It also comes with a minimum income requirement of RM2,000.
The personal loan rate for HSBC Amanah Anytime Money Personal Financing-i starts from 10.5% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,500.
"},{"id":44,"personalLoanBank":{"id":32,"bank":{"id":38,"logo":"uploads/my/logos/public-islamic-bank-logo.png","name":"Public Islamic Bank","description":"","path_alias":""},"title":"Public Islamic Bank","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/public-islamic-bank-logo.png"},"personal_loan_rates":[{"interest_format":"tenure_income","tenure_type":3,"amount":null,"interest_rate":4.9,"min_salary":1500},{"interest_format":"tenure_income","tenure_type":10,"amount":null,"interest_rate":4.95,"min_salary":1500}],"featured_highlight":[{"id":126,"text":"Approved loan amount of up to RM150,000"},{"id":127,"text":"Fixed interest rate starting at 4.90% p.a"},{"id":128,"text":"Applicant covered by Takaful protection"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Public Islamic Bank Persona Loan - Up to RM150K Approved","meta_description":"Apply for Public Islamic Bank BAE Personal Loan with fixed 4.99% p.a. interest rate and low income requirement, to cover your expenses.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/public-islamic-bank/bae-personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":44}],"title":"Public Islamic Bank BAE Personal Financing-i","description":"","nid":"51","published":true,"path_alias":"personal-loan/public-islamic-bank/bae-personal-financing-i","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":150000,"min_tenure":1,"max_tenure":10,"min_age":20,"max_age":58,"min_income":1500,"min_financing":"RM5,000","max_financing":"Borrowable amount up to RM150,000 for a maximum financing tenure of 10 years","min_loan_tenure":"1 year","max_loan_tenure":"10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Fixed rate of 4.90% - 4.95% per annum","approval_duration":"1 - 2 weeks","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.5% on loan amount (Original Copy) + RM10 (Photocopy)","disbursement":"N/A","annual_fee":"N/A","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% p.a on current outstanding payment","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes, Public Bank account for loan disbursement","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Public Islamic Bank – BAE Personal Financing-i FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to RM150,000 for a maximum financing tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 20 to 58 to qualify.
\r\n
Applicant must be an employee of:
\r\n\\- Permanent employees of Federal, State Government (excluding state government of Sarawak), OR \r\n\\- Selected Government agency or statutory body: MARA, LHDN, RISDA, TM Malaysia (TM) etc \r\n
Applicant must be earning a minimum gross salary of RM1,500 per month (for financing amount of RM100,000) or RM3,000 per month (for loan amount of RM150,000).
\r\n
Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on financing amount to be deducted upfront before disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly deduction by employer.
\r\n\r\nFor loan tenure of 2 to 3 years:\r\n
Fixed profit rate of 4.90% per annum (0.40% per month) throughout the entire financing tenure.
\r\nFor loan tenure of 4 to 10 years:\r\n
Fixed profit rate of 4.95% per annum (0.41% per month) throughout the entire financing tenure.
\r\n\r\nPenalties:\r\n
No early or late payment charges imposed.
\r\n\r\n
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.
\r\n
Thereafter, Public Bank will require an average of seven business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\n
Copy of NRIC (front and back) verified by employer
\r\n
3 months (most current) original salary slips verified by employer
\r\n
Confirmation Letter of Employment
\r\n
A copy of BPA form
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
BSN AFLAH PRIMA Personal Financing-i has a flat interest rate starting from 6.50% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM3,000.
With Bank Islam Personal Financing-i (Package), the personal loan comes with an fixed interest rate starting from 4.9% p.a. This personal loan has a maximum tenure of 10 years. It also comes with a minimum income requirement of RM2,000.
RHB Islamic Bank Pensioner Personal Financing-i has a flat interest rate starting from 5% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM0.
"},{"id":45,"personalLoanBank":{"id":33,"bank":{"id":30,"logo":"uploads/my/logos/image003.png","name":"RHB Islamic","description":"","path_alias":""},"title":"RHB Islamic","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/image003.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":5000,"interest_rate":5,"min_salary":null}],"featured_highlight":[{"id":129,"text":"Approved loan amount of up to RM100,000"},{"id":130,"text":"Fixed interest rate of 0.42% per month"},{"id":131,"text":"Applicant covered by Takaful protection"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Get Today RHB Personal Loan - Up to 10 Years Loan Tenure","meta_description":"RHB Islamic Bank Pensioner Personal Financing-i gives longet tenure period, fixed low interest rate from 0.42% per montn and its exclusive for Government and military pensioners.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/rhb-islamic-bank/pensioner-personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":45}],"title":"RHB Islamic Bank Pensioner Personal Financing-i","description":"","nid":"52","published":true,"path_alias":"personal-loan/rhb-islamic-bank/pensioner-personal-financing-i","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":100000,"min_tenure":3,"max_tenure":10,"min_age":55,"max_age":67,"min_income":2000,"min_financing":"RM5,000","max_financing":"Up to 5x fixed monthly salary or up to RM100,000","min_loan_tenure":"3 years","max_loan_tenure":"10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Fixed rate of 5.00% per annum","approval_duration":"Up to 5 business days","debt_consolidation":"No","processing_fee":"RM50","stamp_duty":"RM10","disbursement":"RM30","annual_fee":"N/A","other_fee":"N/A","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"N/A","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"N/A","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
RHB Islamic Bank Pensioner Personal Financing-i is an unsecured Islamic personal loan for Malaysian citizens exclusively for Government and military pensioners who would like to finance with a minimum amount of RM5,000 up to RM100,000. On top of that, you will be able to enjoy a fixed interest rate of 5.00% per annum with minimum loan tenure of 3 years up to 10 years. It is a hassle free loan because there is no need of a guarantor or collateral required in order to apply for this loan. To be eligible to apply for this loan, your minimum monthly pension should be at least RM800 per month. You must also be at least 55 years old to apply for the RHB Islamic Bank Pensioner Personal Financing-i.
\r\n
If your pension is paid by Jabatan Perkhidmatan Awam Malaysia (JPA), you must prepare a clear copy of your NRIC (front and back), 2 copies of Malaysia Government Pensioner Card and latest pension statement in order to apply for this personal loan. If your pension is paid by Jabatan Hal Ehwal Veteran AM (JHEV), you will need to prepare a clear copy of your NRIC (front and back), 2 copies of Army Pensioner Card and Ledger Pensioner OR latest bank statement in order to apply for this personal loan. To be eligible for this loan you must have a good credit record (CTOS/CCRIS) and if you have some overdue payments then you will need to settle off all those payments.
\r\n \r\n\r\n
RHB Islamic Pensioner Personal Financing-i FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to five times your fixed monthly salary or RM100,000 for a maximum loan tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be age 55 and above to qualify.
\r\n
Applicant must be a Government or military pensioner with a minimum gross pension of RM800 per month.
\r\n
Opening of a linked bank account and Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Processing fee of RM50, stamp duty of 0.5% on loan amount, and brokerage fee of RM30 to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction. Interest rate is fixed at 5.00 per annum (0.42% per month) throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, RHB will require an average of five business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nJabatan Perkhidmatan Awam Malaysia (JPA) pensioner:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
2 copies of Malaysia Government Pensioner Card
\r\n
Pension statement
\r\n
\r\nJabatan Hal Ehwal Veteran Am (JHEV) pensioner:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
2 copies of Army Pensioner Card
\r\n
Ledger Pensioner OR bank statement (most current)
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
BSN AFLAH PRIMA Personal Financing-i has a flat interest rate starting from 6.50% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM3,000.
With Citibank Personal Loan, the personal loan comes with an floating interest rate starting from 9.40% p.a. This personal loan has a maximum tenure of 5 years and approval duration of 30 minutes. It also comes with a minimum income requirement of RM4,000.
The personal loan rate for Bank Rakyat Personal Financing-i Aslah Awam starts from 3.35%p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM1,000.
"},{"id":46,"personalLoanBank":{"id":34,"bank":{"id":29,"logo":"uploads/my/logos/rhb.png","name":"RHB","description":"","path_alias":""},"title":"RHB","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/rhb.png"},"personal_loan_rates":[{"interest_format":"amount_tenure","tenure_type":1,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":150000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":150000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":150000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":150000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":150000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":150000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":150000,"interest_rate":8.18,"min_salary":null}],"featured_highlight":[{"id":132,"text":"Fast Approval within 24 hours"},{"id":133,"text":"Approved financing amount of up to RM150,000"},{"id":134,"text":"Affordable monthly repayment plan"},{"id":135,"text":"Get your loan disbursement at any nearest RHB branch nationwide"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"1 month (salaried) or 6 months (commission earner)"},{"title":"EPF statement","description":"Latest 12 months"}],"seo":[{"meta_title":"RHB Easy Personal Loan - Instant Approval Process","meta_description":"Short on cash? Easy-Pinjaman Peribadi is a low-income personal loan for Malaysians with an interest rate as low as 8.18% p.a. Calculate today your monthly repayments with iMoney for FREE and apply with no-hassle.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/easy/easy-pinjaman-ekspres","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":46}],"title":"RHB Easy-Pinjaman Ekspres","description":"","nid":"54","published":true,"path_alias":"personal-loan/easy/easy-pinjaman-ekspres","apply_link":"https://www.imoney.my/personal-loan/rhb-easy-pinjaman-ekspres/apply?src=listing_page_eng","apply_button_text":"","min_amount":2000,"max_amount":150000,"min_tenure":1,"max_tenure":7,"min_age":21,"max_age":55,"min_income":1500,"min_financing":"RM2,000","max_financing":"Up to RM150,000","min_loan_tenure":"1 year","max_loan_tenure":"7 years","islamic_conventional":"Conventional","fast_approval":true,"government_only":false,"is_islamic":false,"interest_rate_text":"Fixed rate of 8.18% – 13.45% per annum","approval_duration":"Within 24 hours","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"0.5% stamp duty fee is applicable","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"Penalty of RM100 or 1%, whichever higher","late_payment_charges":"1% on outstanding financing amount","other_penalty":"","employment_eligibility":"Salaried, self employed, commission earner","guarantor_collateral_requirement":"N/A","age_requirement":"21 - 55 years old","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"Low Income","promo":true,"promo_text":"Enjoy 24 hours express approval that is convenient & flexible at the same time","promo_description":"Within 24 hours with affordable repayment plan","promo_image":"uploads/logos/MYPL_promo_rhb_H7BrMKf.png","promo_button_text":"","promo_url":"","loan_score":200,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"1","apply_form_category":"3","machine_name":"","body":"
RHB Easy-Pinjaman Ekspres FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to RM150,000 for a maximum financing tenure of 7 years for income above RM10,000. Note that the maximum financing tenure for income below RM10,000 will be 5 years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age 21 to 55 above to qualify.
\r\n
Applicant must be a Malaysian citizen employed as an employee of a private sector organization, or self-employed with a minimum gross salary of RM1,500 per month.
\r\n
Opening of a linked bank account is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
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.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction.
\r\n\r\nFor financing amount of RM2,000 – RM10,000, from 12-60 months:\r\n
Fixed interest rate of 13.45% per annum throughout the entire financing tenure.
\r\n\r\nFor financing amount of RM11,000 – RM50,000, from 12-84 months:\r\n
Fixed interest rate of 13.45% per annum throughout the entire financing tenure.
\r\n\r\nFor financing amount of RM51,000 – RM99,000, from 12-84 months:\r\n
Fixed interest rate of 9.91% per annum throughout the entire financing tenure.
\r\n\r\nFor financing amount of RM100,000 – RM150,000 from 12-84 months:\r\n
Fixed interest rate of 8.18% per annum throughout the entire financing tenure.
\r\n\r\nPenalties:\r\n
Early settlement penalty of RM200 for settlement within 6 months from the date of financing approval.
\r\n
Late payment charges of 1% on outstanding financing amount. Late payment charges will increase your total outstanding financing amount.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
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!
\r\n\r\n
However, to be on the safe side, do bring along the following documents with you as well!
\r\n\r\n
If you are a salaried employee, please prepare the following:
\r\n
Latest payment slip
\r\n
Most current EPF Statement with latest 18 months contribution
\r\n
Latest bank saving account passbook or current/savings account statement
\r\n\r\n
If you are self-employed, please prepare the following:
\r\n
Business Registration Certificate (must be at least 2 years in business)
\r\n
Latest 6 months' bank statement
\r\n
Most recent Form B/BE from LHDN
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for Hong Leong Islamic Personal Financing-I starts from 12% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.
With UOB Personal Loan, the personal loan comes with an fixed interest rate starting from 9.99% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM2,000.
Maybank Islamic Personal Financing-i has a flat interest rate starting from 7% p.a. The maximum tenure for this personal loan is 6 years. It also comes with a minimum income requirement of RM2,500.
","productInterestRate":"11.66","monthlyRepayment":"1125","totalAmountPayable":"40494","totalInterestPayable":"10494"},{"id":47,"personalLoanBank":{"id":35,"bank":{"id":40,"logo":"uploads/my/logos/standard-chartered-logo.png","name":"Standard Chartered","description":"","path_alias":""},"title":"Standard Chartered","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/standard-chartered-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":1000,"interest_rate":6.99,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":1000000,"interest_rate":13,"min_salary":null}],"featured_highlight":[{"id":136,"text":"Approved loan amount of up to RM150,000"},{"id":137,"text":"Fixed interest rate starting at 0.58% per month"},{"id":138,"text":"Principal amount will be converted into a credit card limit for every monthly repayment"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Standard Chartered CashOne Personal Loan - 8.5% p.a. Interest Rate","meta_description":"Are you a Standard Chartered Platinum Credit Card holders? Apply for CashOne personal loan and get a monthly fixed interest rate starting from 0.71%.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/standard-chartered/cashone","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":47}],"title":"Standard Chartered CashOne","description":"","nid":"56","published":true,"path_alias":"personal-loan/standard-chartered/cashone","apply_link":"","apply_button_text":"","min_amount":1000,"max_amount":150000,"min_tenure":1,"max_tenure":5,"min_age":21,"max_age":65,"min_income":3000,"min_financing":"RM1,000","max_financing":"Up to 12x fixed monthly salary or up to RM150,000","min_loan_tenure":"1","max_loan_tenure":"5","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Fixed rate of 6.99% – 13.00% per annum","approval_duration":"Up to 7 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.5% on loan amount","disbursement":"N/A","annual_fee":"N/A","other_fee":"N/A","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"N/A","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"N/A","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Standard Chartered CashOne is an unsecured personal loan exclusively for Standard Chartered Platinum Credit cardholders and this is because any monthly repayment that you will be doing for your personal loan will be converting into your credit card limit. It is a personal loan plan that is attached with your current existing Standard Chartered Platinum Credit Card. This personal loan does not have any minimum and maximum loan tenure therefore it is all depending on how long you use your credit card. The approval duration for this personal loan is up to 7 business days and the best part about this personal is that there are no any processing fees, no disbursement fee and no early settlement penalties but point to be noted here is that there will be a stamp duty fee of 0.5% on loan amount and also late payment charges of 1% on outstanding loan amount.
\r\n
On top of that you will are not required to have any guarantor or collateral in order to apply for this application. You are also entitled to enjoy a fixed interest rate of 6.99% up to 13.00% per annum. You may finance a minimum amount of RM1,000 up to RM150,000 or up to 5x your fixed monthly salary. To be eligible to apply for this loan, you will need to be at least 21 years old with a minimum monthly salary of RM3,000. You will also need a good credit record (CTOS/CCRIS), which means all of your overdue payments for all other commitments should be settled off.
\r\n \r\n\r\n
Standard Chartered CashOne FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to five times your fixed monthly gross salary or RM150,000.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 65 to qualify.
\r\n
Opening of a linked bank account is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly Savings Account deduction. The principal portion of each monthly repayment will increase the credit limit of your Standard Chartered Platinum Credit Card by the same amount.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% of outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
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.
\r\n
Thereafter, Standard Chartered will require an average of seven business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nSalaried applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n
1 month (most current) salary slip AND 1 month (most current) bank statement
\r\n
EPF statement (most current)
\r\n
BE form with tax payment receipt attached (most current)
\r\n
\r\n\r\nSelf-employed applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n
6 months (most current) bank statements AND form 9, 24, 49 or Business Registration Certificate
\r\n
EPF statement (most current)
\r\n
B form with tax payment receipt attached (most current)
\r\n
\r\n\r\nApplicant earning commission:\r\n\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n
1 month (most current) salary slip AND 1 month (most current) bank statement
\r\n
EPF statement (most current)
\r\n
BE form with tax payment receipt attached (most current)
\r\n
\r\n\r\n\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With Alliance Islamic Bank CashVantage Personal Financing-i, the personal loan comes with an fixed interest rate starting from 10.38% p.a. This personal loan has a maximum tenure of 7 years. It also comes with a minimum income requirement of RM2,000.
With Citibank Personal Loan, the personal loan comes with an floating interest rate starting from 9.40% p.a. This personal loan has a maximum tenure of 5 years and approval duration of 30 minutes. It also comes with a minimum income requirement of RM4,000.
RHB Personal Financing has a flat interest rate starting from 8.18% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
"},{"id":48,"personalLoanBank":{"id":35,"bank":{"id":40,"logo":"uploads/my/logos/standard-chartered-logo.png","name":"Standard Chartered","description":"","path_alias":""},"title":"Standard Chartered","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/standard-chartered-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":2000,"interest_rate":10.56,"min_salary":null}],"featured_highlight":[{"id":139,"text":"Approved loan amount of up to RM150,000"},{"id":140,"text":"Fixed interest rate starting at 0.88% per month"},{"id":141,"text":"Individuals between the age of 21 to 60 may apply"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Standard Chartered Personal Loan Calculator - Free Online Submission","meta_description":"To know more about Standard Chartered Quick Cash Edge, call 03-210654534 or apply online with iMoney.my now! Interest rate starts from 10.5% p.a.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/standard-chartered/quick-cash-edge","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":48}],"title":"Standard Chartered Quick Cash EDGE","description":"","nid":"57","published":true,"path_alias":"personal-loan/standard-chartered/quick-cash-edge","apply_link":"","apply_button_text":"","min_amount":3000,"max_amount":150000,"min_tenure":1,"max_tenure":5,"min_age":21,"max_age":65,"min_income":2000,"min_financing":"RM2,000","max_financing":"Up to 5x fixed monthly salary or up to RM150,000","min_loan_tenure":"1","max_loan_tenure":"5","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Fixed rate of 10.50% – 10.56% per annum","approval_duration":"Up to 5 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.5% on loan amount","disbursement":"N/A","annual_fee":"N/A","other_fee":"N/A","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"N/A","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"N/A","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Standard Chartered Quick Cash EDGE FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to fives times your fixed monthly gross salary or RM150,000 for a maximum loan tenure of five years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 65 to qualify.
\r\n
Applicant must be a Government servant or an employee of a private sector organization with a minimum gross salary of RM2,000 per month.
\r\n
Opening of a linked bank account is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction.
\r\n\r\nFor loan amount of RM2,000 – RM49,999:\r\n
\r\n
Fixed interest rate of 10.56% per annum (0.88% per month) throughout the entire loan tenure.
\r\n
\r\n\r\nFor loan amount of RM50,000 – RM150,000:\r\n
\r\n
Fixed interest rate of 10.50% per annum (0.8% per month) throughout the entire loan tenure.
\r\n
\r\n\r\nPenalties:\r\n
Late payment charges of 1% of outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Standard Chartered will require an average of five business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\n
\r\n
Copy of NRIC (front and back)
\r\n
1 month (most current) salary slip
\r\n
1 month (most current) bank statement
\r\n
EPF or KWSP statement (most current)
\r\n
BE form with tax payment receipt attached (most current)
\r\n
\r\n\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for Maybank Islamic Personal Financing-i starts from 9% p.a. It has a maximum tenure of 6 years. The personal loan also comes with a minimum income requirement of RM2,500.
With Hong Leong Islamic Personal Financing-i, the personal loan comes with an fixed interest rate starting from 12% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM2,000.
Mach I.O.U Personal Loan has a flat interest rate starting from 12% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
"},{"id":49,"personalLoanBank":{"id":36,"bank":{"id":16,"logo":"uploads/my/logos/uob-logo.png","name":"UOB","description":"","path_alias":""},"title":"UOB","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/uob-logo.png"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":9.99,"min_salary":7000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":10.99,"min_salary":4000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":11.99,"min_salary":2000}],"featured_highlight":[{"id":142,"text":"Approved loan amount of up to RM100,000"},{"id":143,"text":"Fixed interest rate starting at 0.83% per month"},{"id":144,"text":"No guarantor or collateral required"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"UOB Personal Loan 2019 - Low Income Required - Quick Application","meta_description":"Apply for UOB Personal Loan to get interest rates as low as 9.99% p.a. and quick approval period. Easy online application with iMoney.my","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/uob/personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":49,"fbAppId":"428626330554993"}],"title":"UOB Personal Loan","description":"","nid":"58","published":true,"path_alias":"personal-loan/uob/personal-loan","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":100000,"min_tenure":1,"max_tenure":5,"min_age":21,"max_age":55,"min_income":2000,"min_financing":"RM5,000","max_financing":"Up to 5x fixed monthly salary or up to RM100,000 (salaried applicants) / RM50,000 (self-employed applicants)","min_loan_tenure":"1","max_loan_tenure":"5","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Fixed rate of 9.99% – 11.99% per annum","approval_duration":"Up to 7 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.5% on loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"3% on outstanding loan amount or RM300, whichever is higher","late_payment_charges":"1% on outstanding loan amount or RM10 per day, whichever is higher","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
UOB Personal Loan is an unsecured personal loan up to 5 years for Government servants, employees of private sector organizations, and self-employed individuals and it is mainly focused for those who prefer to apply with a minimum loan amount of RM5,000 up to maximum RM100,000. You will stand a chance to enjoy a fixed interest rate from 9.99% up to 11.99% per annum depending on your loan amount. To be able to apply for the UOB personal loan, you must be at least 21 years old up to 55 years old. You can take up UOB Personal Loan with minimum loan tenure of 1 year up to 5 years and it is a hassle free application because there is no guarantor or collateral needed.
\r\n
If you are a salaried employee and is planning to take up the UOB personal loan, you will need to prepare documents such as a clear copy of your NRIC (front and back), copy of latest bank statement OR the first page of your passport, latest 1 month salary slip OR latest 3 months salary slips, OR latest EA form, OR latest 6 months EPF statement, OR BE form with validated payment slip/receipt. Other than that, if you are a self-employed applicant then you will need to prepare a clear copy of your NRIC (front and back), latest B/BE form with tax payment receipt attached, latest 3 months bank statements showing salary credit transactions and Form 9,24, or 49 OR Business Registration Certificate. You must also have a good credit record (CTOS/CCRIS) to be eligible for this and if you have some overdue payments then you will need to settle off all those payments.
\r\n \r\n\r\n
UOB Personal Loan FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to RM100,000 (salaried) or up to RM50,000 (self-employed) for a maximum loan tenure of five years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age 21 to 55 above to qualify.
\r\n
Applicant must be a Malaysian citizen employed as a Government servant, employee of private sector organization, or self-employed with a minimum gross salary of RM2,000 per month (salaried) or RM3,000 per month (self-employed).
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly salary deduction.
Fixed interest rate of 10.99% per annum (0.92% per month) throughout the entire loan tenure.
\r\n
\r\n\r\nFor monthly gross salary of RM7,000 and above (salaried) / RM8,000 and above (self-employed):\r\n\r\n
\r\n
Fixed interest rate of 9.99% per annum (0.83% per month) throughout the entire loan tenure.
\r\n
\r\n\r\nPenalties:\r\n
Early settlement penalty of a sum equivalent to 3% of outstanding loan amount or RM300, whichever is higher.
\r\n
Late payment charges of 1% on outstanding loan amount or RM10 per day, whichever is higher. Late payment charges will increase your total outstanding loan amount.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, UOB will require an average of seven business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
BE Form with validated payment slip/receipt (most current)
\r\n
\r\n\r\nSelf-employed applicant:\r\n\r\n
\r\n
Copy of NRIC (front and back)
\r\n
B/BE form with tax payment receipt attached (most current)
\r\n
3 months (most current) bank statements showing salary credit transactions
\r\n
Form 9, 24, or 49 OR Business Registration Certificate
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
Hong Leong Personal Loan has a flat interest rate starting from 12% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
With Maybank Islamic Personal Financing-i, the personal loan comes with an fixed interest rate starting from 9% p.a. This personal loan has a maximum tenure of 6 years. It also comes with a minimum income requirement of RM2,500.
The personal loan rate for Alliance Bank CashFirst Personal Loan starts from 8.88% p.a. It has a maximum tenure of 7 years. The personal loan also comes with a minimum income requirement of RM2,000.
","productInterestRate":"10.99","monthlyRepayment":"1108","totalAmountPayable":"39891","totalInterestPayable":"9891"},{"id":50,"personalLoanBank":{"id":37,"bank":{"id":3,"logo":"uploads/my/logos/bank-rakyat-logo.png","name":"Bank Rakyat","description":"","path_alias":""},"title":"Bank Rakyat","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/bank-rakyat-logo.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":1,"amount":null,"interest_rate":5.09,"min_salary":null},{"interest_format":"tenurerange","tenure_type":10,"amount":null,"interest_rate":5.09,"min_salary":null},{"interest_format":"tenurerange","tenure_type":15,"amount":null,"interest_rate":6.95,"min_salary":null}],"featured_highlight":[{"id":145,"text":"Approved loan amount of up to RM150,000"},{"id":146,"text":"Floating profit rate as low as 5.09% per annum"},{"id":147,"text":"Takaful coverage is optional"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"2019 Bank Rakyat Personal Loan - Up to RM150K Approved","meta_description":"Searching for a personal loan with interest rates as low as 5.09% p.a.? Bank Rakyat Personal Financing-i Aslah Swasta is the right one for you. Apply today!","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/bank-rakyat/personal-financing-i-aslah-swasta","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":50}],"title":"Bank Rakyat Personal Financing-i Private Sector","description":"","nid":"59","published":true,"path_alias":"personal-loan/bank-rakyat/personal-financing-i-aslah-swasta","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":150000,"min_tenure":1,"max_tenure":10,"min_age":18,"max_age":60,"min_income":2000,"min_financing":"RM5,000","max_financing":"Financing amount up to RM150,000","min_loan_tenure":"1 year","max_loan_tenure":"Up to 10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Floating rate as low as 5.09% - 6.95% per annum","approval_duration":"Up to 3 business days","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"0.5% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"Wakalah or agency fee of RM28.30","early_settlement":"N/A","late_payment_charges":"N/A","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Optional","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Bank Rakyat is well known for its great service in providing an Islamic loan. Bank Rakyat Personal Financing-i Private Sector offering highly competitive rate in the market with floating rate of 5.09% p.a up to 6.95 p.a, which is specially designed to meet your financial needs. Bank Rakyat Personal Financing-i Private Sector is focusing on full-time employees of private sector organizations. Meanwhile, selected company by Bank Rakyat will enjoy lower profit rate, as low as 4.95% per annum. The approval process is within 5 business days and there is no need for any guarantor or collateral in order to apply for the loan.
\r\n
There will be stamp duty fee of 0.5% of the loan amount and late payment charges of 1% p.a on outstanding amount. You are entitled to enjoy a minimum loan tenure of 1 year to 10 years depending on your salary with amount of financing up to RM150,000 or 5x to 25x of monthly gross salary. To be eligible to apply for this loan, your minimum monthly gross income should be at least RM2,000 and you must be at least 18 years old. You will also need a good credit record (CTOS/CCRIS) which means all of your overdue payments for all commitments should be settled off.
\r\n \r\n\r\n
Bank Rakyat Personal Loan Swasta FAQ
\r\n
What is the maximum amount you can borrow?
\r\n
Borrowable amount of:
\r\n
\r\n
For New Applicant with salary of RM2,000 - RM3,000 have maximum financing tenure of only 5 years.
\r\n
For New Applicant with salary above RM3,001 have maximum financing tenure of 10 years.
\r\n
For repayment type of Biro Perkhidmatan Angkasa (BPA), Salary Deduction (PGM) and Salary Transfer to Bank Rakyat, borrowable amount ranging from 15x to 25x of monthly gross salary depending on your income
\r\n
For repayment type of Cash, borrowable amount ranging from 5x to 10x of monthly gross salary depending on your income
\r\n
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen between the age of 18 to 60 (at the end of the financing tenure) to qualify.
\r\n
Applicant must be a confirmed full-time employee in a private sector organization with a minimum gross salary of RM2,000 per month including fixed allowances.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
\r\n
Monthly repayment comprising principal amount and interest charge via monthly Bank Rakyat Savings Account deduction, Biro Perkhidmatan Angkasa (BPA) monthly salary deduction facility, monthly salary deduction, standing instruction deduction, or post-dated cheques.
\r\n
There are a few factors that determine your interest rate charges. The factors are like employer's category, takaful insurance purchase, financing tenure & types of financing.
\r\n
\r\n\r\nEmployees from selected company / employer:\r\n
Entitled floating profit rate as low as 4.95% subjects to credit review by Bank Rakyat.
\r\n
\r\n
For financing tenure of 1 - 3 years:
\r\n\t
\r\n\t
With Takaful:Flat floating rate of 5.09% per annum throughout the entire loan tenure.
\r\n
For financing tenure of 4 - 10 years:
\r\n\t
\r\n\t
With Takaful:Flat floating rate of 5.61% per annum throughout the entire loan tenure.
\r\n
\r\n\r\nEmployees from other private companies:\r\n
For financing tenure of 1 - 3 years:
\r\n
\r\n
With Takaful:Flat floating rate of 6.16% per annum throughout the entire loan tenure.
\r\n
Without Takaful:Flat floating rate of 6.74% per annum throughout the entire loan tenure.
\r\n
\r\n
For financing tenure of 4 - 10 years:
\r\n
\r\n
With Takaful:Flat floating rate of 6.89% per annum throughout the entire loan tenure.
\r\n
Without Takaful:Flat floating rate of 7.58% per annum throughout the entire loan tenure.
\r\n
\r\n\r\nPenalties:\r\n
No early settlement penalty or late payment charges imposed.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Bank Rakyat will require an average of five business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Copy of NRIC (front and back)\r\n
3 months (most current) salary slips\r\n
Letter of confirmation by your current employer\r\n
EPF statement showing at least 6 months (most current) of contributions\r\n
BE form with tax payment receipt attached (for applicant with 1 year or more completed service)\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With RHB Islamic Bank Pensioner Personal Financing-i, the personal loan comes with a fixed interest rate starting from 5% p.a. This personal loan has a maximum tenure of 10 years. It also comes with a minimum income requirement of RM0.
The personal loan rate for Bank Islam Personal Financing-i (Package) starts from 4.9% p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM2,000.
\r\n "},{"id":51,"personalLoanBank":{"id":38,"bank":{"id":4,"logo":"uploads/my/logos/Bank_Islam.png","name":"Bank Islam","description":"","path_alias":""},"title":"Bank Islam","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/Bank_Islam.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":1,"amount":null,"interest_rate":4.99,"min_salary":null}],"featured_highlight":[{"id":148,"text":"Approved loan amount of up to RM200,000."},{"id":149,"text":"Interest rate starting at 4.99% per annum."},{"id":150,"text":"Applicant covered by Takaful protection."}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Bank Islam Personal Financing-i (Package) - 4.99% p.a. Interest Rate","meta_description":"Bank Islam Personal Financing-i (Package) offers starting fixed interest rate from 4.99%p.a., approved loan amount of up to RM200,000 and max. loan tenure up to 10 years.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/bank-islam/personal-financing-i-package","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":51}],"title":"Bank Islam Personal Financing-i (Package)","description":"","nid":"60","published":true,"path_alias":"personal-loan/bank-islam/personal-financing-i-package","apply_link":"","apply_button_text":"","min_amount":10000,"max_amount":200000,"min_tenure":1,"max_tenure":10,"min_age":18,"max_age":60,"min_income":2000,"min_financing":"RM10,000","max_financing":"Up to 5x fixed monthly salary or up to RM200,000","min_loan_tenure":"1 year","max_loan_tenure":"Up to 10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Flat rate from 4.99% or floating rate of BR + 1.30% or BR + 2.60% per annum","approval_duration":"Up to 5 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"As per Stamp Duty Act 1949 (Revised 1989)","disbursement":"RM50 for being customer's agent to sell commodity to the broker","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Optional","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
If you are looking for an Islamic personal loan with a longer duration of repayment period (up to 10 years), you may apply for the Bank Islam Personal Financing-i (Package). This personal loan is focused on government servants and employees of selected private, public listed and its subsidiaries. The approval duration would be around 5 business days and there will be no processing fee and no early settlement penalty charges but there will be a stamp duty fee, Wakalah (agency) fee and also there will be late payment charges of 1% on outstanding loan amount.
\r\n
On top of that you will are not required to have any guarantor or collateral in order to apply for this application. You are entitled to enjoy a flat interest rate from 4.99% per annum or floating interest rate of BR + 1.30% or BR + 2.60% per annum and the interest rate is all determined based on your loan amount that you apply (the higher the loan amount, the lower the interest rate). You may finance a minimum amount of RM10,000 up to RM200,000 OR up to 5x of your fixed monthly salary. To be eligible to apply for this loan, your minimum monthly gross income should be at least RM2,000 and you must be at least 18 years old. Take note that you must not exceed retirement age at the end of the loan tenure. You will also need a good credit record (CTOS/CCRIS) that means all of your overdue payments for all commitments should be settled off.
\r\n \r\n\r\n
Bank Islam Personal Financing-i (Package) FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to five times your fixed monthly gross salary or RM200,000 for a maximum loan tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen aged 18 and above to qualify. Applicant must not exceed retirement age at the end of the loan tenure.
\r\n
Applicant must be self-employed or a full-time employee of
\r\n
\r\n
Government sector
\r\n
Selected public listed companies
\r\n
Subsidiaries of Government or selected public listed company
\r\n
Other prominent private limited companies as categorized under package companies listed by Bank Islam
\r\n
\r\n
Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty as per Stamp Act 1949 (revised 1989) and Wakalah (agency) fee of RM50 to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly salary deduction, auto-debit fund transfer, or standing instruction deduction. You may opt for fixed interest rate or floating interest rate with rates as follows:
\r\n\r\n
Flat rate:
\r\n\r\nFor loan tenure of 1 year to 10 years:\r\n
Fixed interest rate from 4.99% per annum (0.42% per month) throughout the entire loan tenure.
\r\n\r\n
Floating rate:
\r\n
Current Base Rate (BR) determined by Bank Negara Malaysia is 3.90% per annum.
\r\n\r\nFor loan tenure of 1 year to 3 years:\r\n
Floating interest rate of 3.90% (BR) + 1.30% per annum (0.43 per month)
\r\n\r\nFor loan tenure of 4 years to 10 years:\r\n
Floating interest rate of 3.90% (BR) + 2.60% per annum (0.54% per month)
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
Calculate the cost of taking up this loan using our calculator
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Bank Islam will require an average of five business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nSalaried applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
Employee confirmation letter by your current employer
\r\n
Any of the documents below (choose one):
\r\n
\r\n
B/BE/EA/EC form with tax payment receipts attached (most current)
\r\n
3 months (most current) bank statements
\r\n
EPF statement (most current)
\r\n
\r\n
\r\nSelf-employed applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Business Registration Certificate
\r\n
6 months (most current) bank statements
\r\n
2 years (most current) financial statements
\r\n
B/BE/EA/EC form with tax payment receipts attached (most current)
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for AmBank Islamic Personal Financing-i starts from 5.1% p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM1,500.
With Bank Islam Personal Financing-i (Package), the personal loan comes with an fixed interest rate starting from 4.9% p.a. This personal loan has a maximum tenure of 10 years. It also comes with a minimum income requirement of RM2,000.
BSN AFLAH PRIMA Personal Financing-i has a flat interest rate starting from 6.50% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM3,000.
\r\n "},{"id":52,"personalLoanBank":{"id":38,"bank":{"id":4,"logo":"uploads/my/logos/Bank_Islam.png","name":"Bank Islam","description":"","path_alias":""},"title":"Bank Islam","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/Bank_Islam.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":1,"amount":null,"interest_rate":6,"min_salary":null},{"interest_format":"tenurerange","tenure_type":4,"amount":null,"interest_rate":6.8,"min_salary":null},{"interest_format":"tenurerange","tenure_type":9,"amount":null,"interest_rate":7,"min_salary":null}],"featured_highlight":[{"id":151,"text":"Approved loan amount of up to RM150,000."},{"id":152,"text":"Interest rate starting at 6.00% per annum."},{"id":153,"text":"Applicant covered by Takaful protection."}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Bank Islam Personal Financing-i (Non-Package) - 6.00% p.a. Profit Rate","meta_description":"Applying for Bank Islam Personal Loan, you get low interest rate, up to 10 years loan tenure and 5 days approval period.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/bank-islam/personal-financing-i-non-package","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":52}],"title":"Bank Islam Personal Financing-i (Non-Package)","description":"","nid":"61","published":true,"path_alias":"personal-loan/bank-islam/personal-financing-i-non-package","apply_link":"","apply_button_text":"","min_amount":10000,"max_amount":150000,"min_tenure":1,"max_tenure":10,"min_age":18,"max_age":60,"min_income":3500,"min_financing":"RM10,000","max_financing":"RM150,000","min_loan_tenure":"1 year","max_loan_tenure":"10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Flat rate from 6.00% to 7.00% per annum","approval_duration":"Up to 5 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"As per Stamp Duty Act 1949 (Revised 1989)","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Optional","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
If you are looking for an Islamic personal loan with a longer duration of repayment period (up to 10 years), you may apply for the Bank Islam Personal Financing-i (Non Package). This personal loan is focused on private sectors under listed companies. The approval duration would be around 5 business days and there will be no processing fee and no early settlement penalty charges but there will be a stamp duty fee, Wakalah (agency) fee and also there will be late payment charges of 1% on outstanding loan amount.
\r\n
On top of that you will are not required to have any guarantor or collateral in order to apply for this application. You are entitled to enjoy a flat interest rate from 6.00% per annum the interest rate is all determined based on your loan amount that you apply (the higher the loan amount, the lower the interest rate). You may finance a minimum amount of RM10,000 up to RM150,000. To be eligible to apply for this loan, your minimum monthly gross income should be at least RM2,000 and you must be at least 18 years old. Take note that you must not exceed retirement age at the end of the loan tenure. You will also need a good credit record (CTOS/CCRIS) that means all of your overdue payments for all commitments should be settled off.
\r\n \r\n\r\n
Bank Islam Personal Financing-i (Non Package) FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount up to RM150,000 for a maximum loan tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen aged 18 and above to qualify. Applicant must not exceed retirement age at the end of the loan tenure.
\r\n
Applicant must be self-employed or a full-time employee of
\r\n
\r\n
Government sector
\r\n
Selected public listed companies
\r\n
Subsidiaries of Government or selected public listed company
\r\n
Other prominent private limited companies as categorized under package companies listed by Bank Islam
\r\n
\r\n
Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty as per Stamp Act 1949 (revised 1989) and Wakalah (agency) fee of RM50 to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly salary deduction, auto-debit fund transfer, or standing instruction deduction. You may opt for fixed interest rate or floating interest rate with rates as follows:
\r\n\r\n
Flat rate:
\r\n\r\nFor loan tenure of 1 year to 3 years:\r\n
Fixed interest rate from 6.00% per annum throughout the entire loan tenure.
\r\n\r\nFor loan tenure of 4 year to 8 years:\r\n
Fixed interest rate from 6.80% per annum throughout the entire loan tenure.
\r\n\r\nFor loan tenure of 9 year to 10 years:\r\n
Fixed interest rate from 7.00% per annum throughout the entire loan tenure.
\r\n\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
Calculate the cost of taking up this loan using our calculator
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Bank Islam will require an average of five business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nSalaried applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
Employee confirmation letter by your current employer
\r\n
Any of the documents below (choose one):
\r\n
\r\n
B/BE/EA/EC form with tax payment receipts attached (most current)
\r\n
3 months (most current) bank statements
\r\n
EPF statement (most current)
\r\n
\r\n
\r\nSelf-employed applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Business Registration Certificate
\r\n
6 months (most current) bank statements
\r\n
2 years (most current) financial statements
\r\n
B/BE/EA/EC form with tax payment receipts attached (most current)
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for AmBank Islamic Personal Financing-i starts from 5.1% p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM1,500.
With Bank Islam Personal Financing-i (Package), the personal loan comes with an fixed interest rate starting from 4.9% p.a. This personal loan has a maximum tenure of 10 years. It also comes with a minimum income requirement of RM2,000.
BSN AFLAH PRIMA Personal Financing-i has a flat interest rate starting from 6.50% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM3,000.
\r\n "},{"id":53,"personalLoanBank":{"id":39,"bank":{"id":15,"logo":"uploads/my/logos/hsbc-amanah.png","name":"HSBC Amanah","description":"","path_alias":""},"title":"HSBC Amanah","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/hsbc-amanah.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":6000,"interest_rate":6,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":150000,"interest_rate":6,"min_salary":null}],"featured_highlight":[{"id":154,"text":"Approved financing amount of up to RM150,000"},{"id":155,"text":"Fixed profit rate as low as 6% p.a*"},{"id":156,"text":"No early settlement fee and hidden cost"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"1 month"},{"title":"EPF statement","description":"6 months"},{"title":"Appointment letter","description":"If less than 3 months employment"}],"seo":[{"meta_title":"2019 HSBC Amanah Personal Loan - Up to RM150k Approved","meta_description":"Looking for personal financing? HSBC Amanah personal financing has a flat interest rate at 8.75% p.a.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/hsbc-amanah/anytime-money-personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":53}],"title":"HSBC Amanah Personal Financing-i","description":"","nid":"82","published":true,"path_alias":"personal-loan/hsbc-amanah/anytime-money-personal-financing-i","apply_link":"http://offers.imoney.my/campaign/personal-loan/hsbc-personal-financing?src=listing_page_eng","apply_button_text":"","min_amount":6000,"max_amount":150000,"min_tenure":2,"max_tenure":7,"min_age":21,"max_age":60,"min_income":3000,"min_financing":"RM6,000","max_financing":"RM150,000 for existing customers","min_loan_tenure":"2 years","max_loan_tenure":"7 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Fixed profit rate as low as 6% per annum*","approval_duration":"Up to 3 business days","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"N/A","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% p.a. on outstanding amount","other_penalty":"","employment_eligibility":"Salaried, self employed, commission earner","guarantor_collateral_requirement":"N/A","age_requirement":"21 - 60 years old","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"Islamic","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":60,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
Overview
\r\n
HSBC Amanah Personal Financing-i is here to offer an unsecured Islamic personal financing to Malaysian citizens and permanent residents employed as a Government servant, employee of a private sector organization, or as self-employed. If you are urgent to get a personal financing, here is your chance because the approval duration is only up to 3 business days. With this personal financing, you will get to save even more because there is no processing fee, no stamp duty fee, no disbursement fee, no early settlement penalty and no late payment charges therefore you will not be charged with any hidden charges.
\r\n
On top of that, this application is made easier because there is no guarantor or collateral need in order to apply for this application. You are entitled to enjoy a fixed profit rate of 6% per annum*. You may finance a minimum amount of RM6,000 up to RM150,000. \r\n\r\n
To be eligible for applying this financing, your monthly gross salary should be at least RM3,000 for existing HSBC customer, while New to Bank customer should earn at least RM5,000. \r\n
You will also need a good credit record (CTOS/CCRIS) that means all of your overdue payments for all commitments should be settled off.
\r\n \r\n\r\n
HSBC Amanah Personal Financing-i FAQ
\r\n
What is the maximum amount you can borrow?
\r\n
The maximum financing amount is capped at RM150,000 for existing customers and RM120,000 for New to Bank customers.
\r\n\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 60 to qualify.
\r\n
Applicant must be a Malaysian citizen or permanent resident employed as a Government servant, employee of a private sector organization, or self-employed.
\r\n
Minimum gross salary is RM3,000 for existing customers and RM5,000 for New to Bank customers
\r\n
Maximum financing tenure offered for existing HSBC customer is 7 years and 5 years for New to Bank customers.
\r\n\r\n
What will it cost you and how will you be charged?
\r\n\r\n
No early settlement fee and hidden cost.
\r\n
A Standing instruction from customer's deposit account will be established to the facility account upon disbursement. Payment can be made via this deposit account.
\r\n\r\n
Penalties:
\r\n
No late settlement charges imposed.
\r\n
No early settlement penalty imposed if you provide HSBC with:
\r\n\r\n
1-month advance notice in writing, OR
\r\n
Payment equivalent to 1 month’s interest charge in lieu of advance notice.
\r\n\r\n
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.
\r\n
Thereafter, HSBC Amanah will require an average of three business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nFixed salaried applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n
Copy of current or previous month’s salary slip OR copy of a bank statement showing salary being credited into your account
\r\n
BE form with payment receipts attached OR EA form OR EPF statement
\r\n
Copy of employment letter (if employed for less than 3 months)
\r\n
\r\nVariable income applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Copy of 3 months (most current) salary slips OR copy of bank statement showing salary being credited into your account
\r\n
BE form with payment receipts attached OR EPF statement OR copy of yearly commission statements from your current employer
\r\n
\r\nSelf-employed applicant:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Copy of latest B form with payment receipts or CPO2 attached OR EPF statement OR copy of audited financial statement (most current) OR Profit and Loss account
\r\n
Copy of your Business Registration form
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal financing, you may also consider
With Maybank Personal Loan , the personal loan comes with an fixed interest rate starting from 6.50% p.a. This personal loan has a maximum tenure of 6 years. It also comes with a minimum income requirement of RM2,500.
AmBank Islamic AmMoneyLine Facility-i has a flat interest rate starting from 8% p.a. The maximum tenure for this personal loan is 8 years. It also comes with a minimum income requirement of RM2,000.
The personal loan rate for Standard Chartered Quick Cash EDGE starts from 10.56% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.
"},{"id":54,"personalLoanBank":{"id":40,"bank":{"id":6,"logo":"uploads/logos/AmBankIslamic_SE11CED.png","name":"AmBank Islamic","description":"","path_alias":""},"title":"AmBank Islamic","description":"","published":true,"path_alias":"","logo":"uploads/logos/AmBankIslamic_SE11CED.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":2,"amount":null,"interest_rate":4.3,"min_salary":null},{"interest_format":"tenurerange","tenure_type":5,"amount":null,"interest_rate":4.8,"min_salary":null}],"featured_highlight":[{"id":157,"text":"Approved financing amount of up to RM200,000"},{"id":158,"text":"Fixed profit rate starting at 4.30% per annum"},{"id":159,"text":"Takaful protection included"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Apply AmBank Islamic Personal Loan - 48 Hours Approval Duration","meta_description":"Apply for AmBank Islamic Personal Financing-i with loan approvals up to RM200,000. Flat interest rate starts from 4.3% p.a.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/ambank-islamic/personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":54}],"title":"AmBank Islamic Personal Financing-i","description":"","nid":"84","published":true,"path_alias":"personal-loan/ambank-islamic/personal-financing-i","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":200000,"min_tenure":2,"max_tenure":10,"min_age":18,"max_age":58,"min_income":1500,"min_financing":"RM5,000","max_financing":"Up to 5x fixed monthly salary or up to RM200,000","min_loan_tenure":"2 years","max_loan_tenure":"10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Fixed rate of 4.30% per annum; subject to credit review by AmBank Islamic","approval_duration":"2 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"As per Stamp Duty Act 1949 (Revised 1989)","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% on outstanding financing amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Need some cash for personal use, business use or education purpose? AmBank Islamic Personal Financing-i can help you cover your immediate need for cash. With a good credit score, you’ll likely be able to snag the most affordable profit rate. For this financing, AmBank Islamic offers profit rate as low as 4.3% per annum depending on financing amount and period, and you must take Takaful insurance with this financing. The minimum financing amount you can apply is RM5,000 and the maximum is up to RM200,000 with minimum financing tenure of 2 years and maximum tenure of 10 years. The approval duration is within 2 working days. Furthermore, this personal financing is based on the Shariah concept of Bai’lnah, no guarantor and no advanced instalments are required, and you will be eligible to get rebate when you do an early settlement.
\r\n
You will be charged a processing fee of 4% of total financing amount, and 0.5% of stamp duty fee on borrowed amount. No early settlement fees will be imposed if you provide at least 1 month advance notice in writing at any AmBank Islamic branch. 1% from current outstanding amount of late payment fee will be charged if you fail to make your monthly repayment on time. The mode of payment to AmBank Islamic will have to be a monthly deduction from your salary. To apply, you must be between the age of 18 to 60 years old with minimum gross income of RM1,500 per month. This offer is exclusively for employees of Federal Government, State Government, and selected statutory bodies.
\r\n \r\n\r\n
AmBank Islamic Personal Financing-i FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to five times your fixed monthly gross salary or up to RM200,000 for a maximum financing tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 18 to 60 to qualify.
\r\n
Applicant must be a full-time employee of Federal Government, State Government, or selected statutory bodies with three months of completed service and a minimum gross salary of RM1,500 per month.
\r\n
Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty as per Stamp Duty Act 1949 (Revised 1989). No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and profit charge via Biro Perkhidmatan Angkasa (BPA) monthly salary deduction facility. profit rate is fixed at 4.30% per annum (0.36% per month) (rate is subject to a credit review by AmBank Islamic) throughout the financing tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding financing amount. Late payment charges will increase your total outstanding financing amount. \r\n
No early settlement penalty imposed if you provide at least 1-month advance notice in writing at any AmBank Islamic branch. \r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, AmBank Islamic will require an average of two business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your financing application:
\r\n
\r\n
3 copies of NRIC (front and back) certified True Copy by your current Head of Department.
\r\n
Polis Diraja Malaysia (PDRM) only:3 copies of police identity card or NRIC (front and back) certified True Copy by your current Head of Department.
\r\n
1 month (most current) original salary slip with 2 copies certified True Copy by your current Head of Department.
\r\n
1 copy of Savings Account Passbook OR Current Account Statement (front page showing your name and account number).
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
\r\n\r\n \r\n
If you are looking for other personal financing, you may also consider
With Bank Rakyat Personal Financing-i Aslah Awam, the personal financing comes with an fixed profit rate starting from 3.35% p.a. This personal financing has a maximum tenure of 10 years. It also comes with a minimum income requirement of RM1,000.
RHB Islamic Bank Pensioner Personal Financing-i has a flat profit rate starting from 5% p.a. The maximum tenure for this personal financing is 10 years. It also comes with a minimum income requirement of RM0.
The personal financing rate for MBSB Mumtaz-i starts from 3.40% p.a. It has a maximum tenure of 10 years. The personal financing also comes with a minimum income requirement of RM1500.
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Overview
\r\n
Alliance Bank CashFirst Personal Loan gives you the financial support to reduce your debts with other banks by consolidating all your loans into one, for personal use or business use. If your purpose of applying this loan is for debt consolidation, you are allowed to consolidate up to a maximum of 4 Credit Cards and/or Personal Loans commitments into ONE single monthly repayment. When you apply for this personal loan you will indulge great fixed interest rate of 8.88% to 15.28% per annum (Flat) with a faster approval within 7 working days. The minimum loan amount to be applied is RM5,000 and the maximum up to RM200,000 for a minimum loan tenure of 1 year and maximum of 7 years.
\r\n
You will have the opportunity to enjoy low monthly instalments and FREE from processing fees, early settlement penalty and there is NO guarantor or collateral required. One-Time payment of 0.5% of loan amount will be charged as stamp duty fee and late payment charges of 1% per annum on outstanding loan amount will be charged to you if you failed to make your monthly payments on time. Furthermore, you must be in the age between 21 and 60 years old with a minimum gross income of RM3,000 per month in order for you to be eligible to apply for Alliance Bank CashFirst Personal Loan. The most important thing to avoid the high possibilities of loan rejection is to make sure that you do not have overdue payments with other banks for any loan or credit card and have no issues with your CTOS and CCRIS. Having a good credit history and good credit record on your CTOS and CCRIS will increase higher chance of loan approval.
\r\n\r\n
Alliance Bank Personal Loan
\r\n
What is the maximum amount of money that you can loan from the bank?
You are allowed to borrow up to four times the amount of your fixed monthly gross income or RM 200,000.
\r\n\r\n
So what are the Terms & Conditions?
\r\n
To be qualified for the Alliance Bank Personal Loan, you must be in the age between 21 and 60. On top of that, you cannot exceed the age of 60 years before the end of the loan tenure.
\r\n
This Alliance Bank Personal Loan only provides credit facilities to Malaysian citizen or permanent resident working and residing in Malaysia with a minimum gross income of RM3,000 per month. However, Malaysian citizens working in Singapore but is residing in Malaysia will be considered.
\r\n\r\n
So what else do I need to pay on top of the loan amount?
\r\n
There is a one time set-up fee:
\r\n
Stamp duty of 0.5% on loan amount will be deducted upfront before loan disbursement. For example, if you borrow RM10,000, you need to pay RM55 for the stamp duty.
Fixed profit rate ranging from 8.88% to 10.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\n
For customers with medium risk level profile:
\r\n
Fixed profit rate ranging from 11.28% to 12.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\n
For customers with high risk profile:
\r\n
Fixed profit rate ranging from 15.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\nThe Personal Loan interest rate is based on individual risk rating. Having a higher salary lowers your risk rating as it reflects that you are less likely to default in your financial obligations (or conditions) of a loan.\r\n\r\n
What are the penalties for late payment or early settlement?:\r\n
Late payment charges of 1% on outstanding loan amount will be imposed. With these late payment charges, your total outstanding loan amount will increase.
\r\n
No early settlement penalty imposed if you provide Alliance Bank with:
\r\n-3 months advance notice in writing, OR\r\n-Payment equivalent to 3 month’s interest charge in lieu of advance notice \r\n\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will be contacting you within the same business day to confirm your application.
\r\n
Thereafter, Alliance Bank will require an average of 7 business days (not including Saturday, Sunday, and public holidays) before the approval or disbursement.\r\n
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nEmployee of MNC:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - 1 month latest salary slip (fixed income) OR 3 months latest salary slips (variable income) \r\n - EA Form (most current) \r\n - Latest EPF Statement with 13 months contribution \r\n - BE Form with validated payment slip/receipt to LHDN \r\n
\r\n\r\nEmployee of non-MNC or private limited company:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - Latest 3 months salary slips (with supporting bank statement) \r\n - Latest EPF Statement with 13 months contribution \r\n - BE Form with validated payment slip/receipt to LHDN\r\n
\r\n\r\nSelf-employed applicants:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n
Copy of current and valid Business Registration Card (business must be at least 2 years)
\r\n - Latest 6 months salary slips OR latest 6 months principal bank statement \r\n - Latest 13 months (most current) EPF Statement \r\n - B Form with validated payment slip/receipt to LHDN\r\n
\r\n\r\nApplicants earning commission:\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - Latest 6 months salary slip/ commission statement / payment voucher verified against bank statements \r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
The answer is No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying. Learn more about credit information from Credit Bureau Malaysia.\r\n
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With CIMB Bank Cash Plus Personal Loan , the personal loan comes with a fixed interest rate that starts from 8.20% p.a. This personal loan has a maximum tenure of 5 years and comes with a minimum income requirement of only RM2,000.
Al Rajhi Bank Personal Financing-I has a flat interest rate starting from 6.99% p.a. The maximum tenure for this personal loan is 8 years and comes with a minimum income requirement of only RM4,500.
Want to compare other banks before making your decision? We understand where you're coming from. Just head over to our comparison page to compare which of the many personal loans available in the market suits you the best.
\r\n "},{"id":56,"personalLoanBank":{"id":40,"bank":{"id":6,"logo":"uploads/logos/AmBankIslamic_SE11CED.png","name":"AmBank Islamic","description":"","path_alias":""},"title":"AmBank Islamic","description":"","published":true,"path_alias":"","logo":"uploads/logos/AmBankIslamic_SE11CED.png"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":8,"min_salary":2000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":11.99,"min_salary":15000}],"featured_highlight":[{"id":164,"text":"Approved financing amount of up to RM100,000"},{"id":165,"text":"Fixed profit rate starting at 0.67% per month"},{"id":166,"text":"Takaful protection included"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"AmBank Islamic Personal Financing-I Loan in Malaysia 2019","meta_description":"Apply for AmBank Islamic AmMoneyLine Facility-i with loan approvals up to RM100,000. Flat profit rate starts from 8.00% p.a. with Takaful protection included.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/ambank-islamic/ammoneyline-facility-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":56}],"title":"AmBank Islamic AmMoneyLine Facility-i","description":"","nid":"128","published":true,"path_alias":"personal-loan/ambank-islamic/ammoneyline-facility-i","apply_link":"","apply_button_text":"","min_amount":2000,"max_amount":100000,"min_tenure":1,"max_tenure":5,"min_age":21,"max_age":60,"min_income":2000,"min_financing":"2000","max_financing":"Up to 5x fixed monthly salary or up to RM100,000","min_loan_tenure":"1","max_loan_tenure":"5","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Flat rate of 8.00% – 11.99% per annum; subject to credit review by AmBank Islamic","approval_duration":"Up to 2 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"As per Stamp Duty Act 1949 (Revised 1989)","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% on outstanding financing amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
If you are looking for an Islamic personal financing then your search is over because AmBank Islamic AmMoneyLine Facility-i is here to provide you an unsecured Islamic personal financing with Takaful protection for Malaysian citizens. The application process is quite fast and the approval duration is up to 2 business days. There will be no processing fee or no penalties for any early settlement but there will be a stamp duty fee as per Stamp Duty Act 1949 (Revised 1989). No guarantor or collateral is required in order to proceed with this application, therefore all you need to apply for this personal financing is a minimum monthly income of RM2,000 and to be at least 21 to 60 years old. You will be able to enjoy a flat profit rate of 8.00% up to 11.99% per annum but this is subject to credit review by AmBank Islamic.
\r\n
On top of that, AmBank Islamic AmMoneyLine Facility-i offers you financing tenure of minimum 1 year up to maximum 5 years. You are required to prepare documents like a clear copy of your NRIC (front and back), latest 1 month salary slip for fixed monthly salary OR latest 3 months salary slips for varied monthly salary, latest EA form, latest 6 months bank statements. If you are planning to apply for the AmBank Islamic AmMoneyLine Facility-i, you will need to ensure that you have a good credit record (CTOS/CCRIS). If you have any overdue payments, you will need to settle off your payments, as it is a sign of high potential of not fulfilling the financial obligation to the banks.
\r\n \r\n\r\n
AmBank Islamic AmMoneyLine Facility-i FAQ
\r\n
What is the minimum and maximum amount you can borrow?
\r\n
The minimum Facility Amount is RM2,000.00 but may be varied by the Bank from time to time. Borrowable amount of up to 5 times your fixed monthly gross salary or up to RM100,000 for a maximum financing tenure of eight years.
\r\n\r\n
Characteristics
\r\n
Bai’ Inah is defined as sale contract followed by repurchase by the seller at a different price. \r\nThis Facility is an unsecured term financing facility based on the Shariah Concept of Bai’ Inah.
\r\n
The bank shall determine the tenure of the facility.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 60 to qualify. Applicant must not exceed the age of 60 at the end of the financing tenure.
\r\n
Applicant must be a Malaysian citizen or permanent resident working and residing in Malaysia with a minimum gross salary of RM2,000 per month.
\r\n
Takaful protection is compulsory.
\r\n
There is a rules that only allow customer to have only one credit facility at all times. In order to apply for a new financing, the customer needs to fully settle the existing one.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty as per Stamp Duty Act 1949 (Revised 1989). No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly salary deduction with standing instruction. Profit rate is fixed at 8.00% per annum (0.67% per month) – 11.99% per annum (1% per month) (rate subject to credit review by AmBank Islamic) throughout the entire financing tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding financing amount. Late payment charges will increase your total outstanding financing amount.
\r\n
No early settlement penalty imposed if you provide at least 1-month advance notice in writing at any AmBank Islamic branch.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, AmBank Islamic will require an average of two business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your financing application:
\r\n
\r\n
1 copy of NRIC (front and back).
\r\n
1 month (most current) salary slip for fixed monthly salary OR 3 months (most current) salary slips for varied monthly salary.
\r\n
EA Form (most current).
\r\n
6 months (most current) EPF Statements.
\r\n
BE Form with validated payment slip/receipt (most current).
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
Definately no, as this is a sign to the bank of high potential of not fulfilling the financial obligation to the banks. It is advised that you continue repaying your financing on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
Alliance Bank CashFirst Personal Loan has a flat interest rate starting from 8.38% p.a. The maximum tenure for this personal loan is 7 years. It also comes with a minimum income requirement of RM2,000.
With Standard Chartered CashOne, the personal loan comes with an fixed interest rate starting from 6.99% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM3,000.
The personal loan rate for Maybank Personal Loan starts from 7% p.a. It has a maximum tenure of 6 years. The personal loan also comes with a minimum income requirement of RM2,500.
\r\n "},{"id":57,"personalLoanBank":{"id":37,"bank":{"id":3,"logo":"uploads/my/logos/bank-rakyat-logo.png","name":"Bank Rakyat","description":"","path_alias":""},"title":"Bank Rakyat","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/bank-rakyat-logo.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":1,"amount":null,"interest_rate":3.29,"min_salary":null},{"interest_format":"tenurerange","tenure_type":10,"amount":null,"interest_rate":3.29,"min_salary":null},{"interest_format":"tenurerange","tenure_type":15,"amount":null,"interest_rate":4.99,"min_salary":null}],"featured_highlight":[{"id":167,"text":"Approved financing amount of up to RM200,000"},{"id":168,"text":"Options of fixed rate or floating rate starting at 4.54% p.a or 3.29% p.a respectively"},{"id":169,"text":"Takaful coverage is optional"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Bank Rakyat Aslah Awam Personal Loan - Up to RM200,000 Approved","meta_description":"Searching for a personal loan with interest rates as low as 3.65% p.a.? Bank Rakwat Aslah Awam Personal Loan is the right one for you. Get it now!","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/bank-rakyat/personal-financing-i-aslah-awam","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":57}],"title":"Bank Rakyat Personal Financing-i Public Sector","description":"","nid":"136","published":true,"path_alias":"personal-loan/bank-rakyat/personal-financing-i-aslah-awam","apply_link":"","apply_button_text":"","min_amount":10000,"max_amount":200000,"min_tenure":1,"max_tenure":10,"min_age":18,"max_age":60,"min_income":1000,"min_financing":"RM10,000","max_financing":"Approved financing up to RM200,000","min_loan_tenure":"1 year","max_loan_tenure":"Up to 10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Profit rate as low as 3.29%- 4.99% per annum depending on rate type, payment type and tenure","approval_duration":"Up to 3 business days","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"0.5% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"N/A","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Optional","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Bank Rakyat Personal Financing-i Public Sector is one of the best Islamic personal loan offered by Bank Negara. It is a Shariah compliant personal loan package exclusively for government servants and employees of selected Government-Linked companies (GLC). This loan requires no collateral and guarantor. The minimum financing amount of the loan would be RM10,000 and maximum is up to RM200,000 with a minimum loan tenure of 1 years and maximum of 10 years.
\r\n
Bank Rakyat offers two options i.e fixed rate and floating rate ranging between 4.54% to 4.99% p.a and 3.46% to 3.91% p.a respectively. You can choose to repay using several ways i.e Biro Perkhidmatan Angkasa (BPA), Salary Deduction (PGM), Salary Transfer with Bank Rakyat and cash, however they come with different profit rate. The approval duration of this loan is up to 5 working days. Besides that, the bank will also offer you Takaful protection (optional) when you apply for this personal Islamic loan. There will be a one-time payment of 0.5% of financing amount being charged for stamp duty. Being a Malaysian Citizen is one of the criteria to be eligible for applying the loan and you need a minimum gross income of RM1,000 and to be to at least 18 years old. To avoid higher possibilities of loan rejection, you must make sure you have been making prompt payment for your other loans that has been taken from banks and maintain a good credit record in CTOS and CCRIS.
\r\n\r\n
Bank Rakyat Personal Financing-i Awam FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of:
\r\n\r\n
For repayment type of Biro Perkhidmatan Angkasa (BPA), Salary Deduction (PGM) and Salary Transfer with Bank Rakyat, borrowable amount is up to 35x monthly gross salary
\r\n
For repayment type of Cash, borrowable amount depends on your monthly income which ranging from 5x to 10x monthly gross salary
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen aged 18 and above to qualify.
\r\n
Applicant must be a Government servant or employee of a Government-Linked Company (GLC) and a minimum gross salary of RM1,000 per month.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via monthly Bank Rakyat Savings Account deduction, Biro Perkhidmatan Angkasa (BPA) monthly salary deduction facility, or monthly salary deduction.
\r\n\r\nFor Fixed rate and loan tenure of 1 year to 3 years:\r\n
With Takaful:Fixed interest rate of 4.54% per annum throughout the entire loan tenure.
\r\n
Without Takaful:Fixed interest rate of 5.33% per annum throughout the entire loan tenure.
\r\n\r\nFor fixed rate and loan tenure of 4 years to 10 years:\r\n
With Takaful:Fixed interest rate of 4.99% per annum throughout the entire loan tenure.
\r\n
Without Takaful:Fixed interest rate of 5.81% per annum throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
1% p.a on outstanding amount for late payment charges.
\r\n\r\n
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.
\r\n
Thereafter, Bank Rakyat will require an average of five business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
Letter of confirmation by your current employer
\r\n
Bank statement showing crediting of salary
\r\n
Income tax statement (J/EA/EC form) with tax payment receipt attached (most current)
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for Mach I.O.U Personal Loan starts from 12% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.
With Citibank Ready Credit (Pay Lite) , the personal loan comes with a effective interest rate starting from 14% p.a. This personal loan has a maximum tenure of 4 years. It also comes with a minimum income requirement of RM2,000.
RHB Personal Financing has a flat interest rate starting from 8.88% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
\r\n"},{"id":58,"personalLoanBank":{"id":42,"bank":{"id":45,"logo":"uploads/logos/BSN-New-Logo_4xmoFmu.jpg","name":"BSN","description":"","path_alias":""},"title":"BSN","description":"","published":true,"path_alias":"","logo":"uploads/logos/BSN-New-Logo_4xmoFmu.jpg"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":10000,"interest_rate":6.5,"min_salary":null}],"featured_highlight":[{"id":170,"text":"Approved loan amount of up to RM200,000."},{"id":171,"text":"Fixed interest rate of 6.5% per annum."},{"id":172,"text":"Applicant covered by Takaful protection."}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Get Today BSN Personal Loan - Up to 10 Years Loan Tenure","meta_description":"BSN MyRinggit-i PRIMA Personal Financing is the best BSN personal loan in Malaysia. Interest rates starts from 6.50% p.a. and approval up to 5 working days.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/bsn/aflah-prima-personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":58}],"title":"BSN MyRinggit-i PRIMA Personal Financing","description":"","nid":"152","published":true,"path_alias":"personal-loan/bsn/aflah-prima-personal-financing-i","apply_link":"","apply_button_text":"","min_amount":10000,"max_amount":200000,"min_tenure":2,"max_tenure":10,"min_age":21,"max_age":65,"min_income":3000,"min_financing":"RM10,000","max_financing":"up to RM200,000","min_loan_tenure":"2 years","max_loan_tenure":"Up to 10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Fixed rate of 6.50% per annum","approval_duration":"Up to 5 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.5% on loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"1% on outstanding loan amount","late_payment_charges":"N/A","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
BSN MyRinggit-i PRIMA Personal Financing FAQ
\r\n
What is the maximum amount you can borrow?
\r\n
Borrowable amount of up to five times your fixed monthly gross salary or RM200,000 for a maximum loan tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen between the age of 21 to 65 with full-time employment as a medical doctor OR between the age of 21 to 50 with full-time employment as a medical officer to qualify.
\r\n
Applicant must be earning a minimum gross salary of RM3,000 per month.
\r\n
Opening of a linked bank account and Takaful protection is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\n\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via Standing Instruction deduction, ATM/CDM, or Interbank GIRO (IBG). Interest rate is fixed at 6.50% per annum (0.54% per month) throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
Calculate the cost of taking up this loan using our calculator
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Bank Simpanan Nasional will require an average of five business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Copy of certificate issued by Malaysian Medical Council:
\r\n\t
\r\n\t
Perakuan Pendaftaran Sementara (Borang 5-Peraturan 20, Akta Perubatan 1974); OR
\r\n\t
Perakuan Amalan Tahunan (Borang 12-Seksyen 20, Akta Perubatan 1974)
\r\n\t
\r\n
Authorized business registration:
\r\n\t
\r\n\t
3 months (most current) bank statements (either upon clinic’s name or proof of income in relation to medical practices)
\r\n\t
Authorized documents as a specialist doctor or confirmation letter from your current employer/supervising doctor
\r\n\t
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With Bank Rakyat Personal Financing-i Aslah Awam, the personal loan comes with an fixed interest rate starting from 3.65% p.a. This personal loan has a maximum tenure of 8 years. It also comes with a minimum income requirement of RM1,000.
Agrobank AgroCash-i (Bai' Al-Inah) has a flat interest rate starting from 2.67% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM1,500.
The personal loan rate for Bank Islam Personal Financing-i (Package) starts from 4.99% p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM2,000.
\r\n "},{"id":59,"personalLoanBank":{"id":43,"bank":{"id":43,"logo":"uploads/logos/mach.png","name":"Mach","description":"","path_alias":""},"title":"Mach","description":"","published":true,"path_alias":"","logo":"uploads/logos/mach.png"},"personal_loan_rates":[{"interest_format":"tenure","tenure_type":2,"amount":null,"interest_rate":7.2,"min_salary":null},{"interest_format":"tenure","tenure_type":3,"amount":null,"interest_rate":7.2,"min_salary":null},{"interest_format":"tenure","tenure_type":4,"amount":null,"interest_rate":7.2,"min_salary":null},{"interest_format":"tenure","tenure_type":5,"amount":null,"interest_rate":7.2,"min_salary":null},{"interest_format":"tenure","tenure_type":6,"amount":null,"interest_rate":10.8,"min_salary":null},{"interest_format":"tenure","tenure_type":7,"amount":null,"interest_rate":10.8,"min_salary":null}],"featured_highlight":[{"id":173,"text":"Approved loan amount of up to RM250,000"},{"id":174,"text":"Interest rate as low as 7.20% per annum after 20% cashback"},{"id":175,"text":"Get loan approval within 60 minutes"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"2019 Mach I.O.U Personal Loan - Approval Within 1 Hour","meta_description":"Short on cash? Apply for Mach I.O.U Personal Loan with interest rate starting from 7.20% p.a. to overcome your financial concerns.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/mach/iou-personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":59}],"title":"Mach I.O.U Personal Loan","description":"","nid":"156","published":true,"path_alias":"personal-loan/mach/iou-personal-loan","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":250000,"min_tenure":2,"max_tenure":7,"min_age":23,"max_age":60,"min_income":3000,"min_financing":"RM5,000","max_financing":"Up to RM250,000","min_loan_tenure":"2 year","max_loan_tenure":"7 years","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Prescribed interest rate from 7.20% p.a to 10.8% p.a (after 20% CashBack)","approval_duration":"Within 60 minutes","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"0.5% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% of outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"N/A","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
What can be more interesting than getting your personal loan approved within 60 minutes! MACH I.O.U Personal Loan not just give you fast approval, but also 20% cashback on your interest for prompt repayments. Furthermore, there is no guarantor and collateral needed when you apply for this loan. This is a loan for salaried government servant or employee of private sector organization as well as self-employed. The minimum financing amount offered is ranging from RM5,000 up to RM250,000 with minimum loan tenure of 2 year and maximum of 7 years. Mach by Hong Leong Bank offers prescribed rate starting from 7.20% per annum up to 10.80% per annum (after 20% cashback).
\r\n
There is no processing fee and early termination fee occur. One time payment of 0.5% of your total loan will be charged for stamp duty. Failing to commit the monthly payments on time will be incurred penalty of 1% on outstanding amount. You also must be between the age of 23 to 60 years old and earn minimum monthly income of RM3,000. In order not to have any issues with the loan processing, you will need to submit complete required documents and maintain a good record of CTOS and CCRIS.
\r\n \r\n\r\n
Hong Leong MACH I.O.U Personal Loan FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to nine times your fixed monthly gross salary or up to RM250,000 for a maximum loan tenure of seven years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 21 to 60 to qualify.
\r\n
Applicant must be employed as a government servant or employee of a private sector organization with a minimum gross salary of RM3,000 per month.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction. Prescribed interest rate is ranging from 7.20% p.a to 10.80% p.a (after 20% CashBack) throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed if you provide Hong Leong Bank with:
\r\n\r\n
3 months advance notice in writing, OR
\r\n
Payment equivalent to 3 month’s interest charge in lieu of advance notice
\r\n\r\n
Calculate the cost of taking up this loan using our calculator
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Hong Leong Bank will require an average of one hour before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\n
Copy of NRIC (front and back)
\r\n
EPF statement (most current)
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With Alliance Islamic Bank CashVantage Personal Financing-i, the personal loan comes with an fixed interest rate starting from 8.38% p.a. This personal loan has a maximum tenure of 7 years. It also comes with a minimum income requirement of RM3,000.
The personal loan rate for Standard Chartered Quick Cash EDGE starts from 10.56% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.
Hong Leong Personal Loan offers flat interest rate starting from 12% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
"},{"id":60,"personalLoanBank":{"id":44,"bank":{"id":8,"logo":"uploads/my/logos/al-rajhi-logo.gif","name":"Al-Rajhi Bank","description":"","path_alias":""},"title":"Al-Rajhi Bank","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/al-rajhi-logo.gif"},"personal_loan_rates":[{"interest_format":"tenure_income","tenure_type":1,"amount":null,"interest_rate":4.99,"min_salary":10000},{"interest_format":"tenure_income","tenure_type":2,"amount":null,"interest_rate":4.99,"min_salary":10000},{"interest_format":"tenure_income","tenure_type":8,"amount":null,"interest_rate":9.5,"min_salary":5000},{"interest_format":"tenure_income","tenure_type":3,"amount":null,"interest_rate":4.99,"min_salary":5000}],"featured_highlight":[{"id":176,"text":"Approved financing amount of up to RM150,000."},{"id":177,"text":"Attractive profit rates as low as 4.99% flat p.a.*"},{"id":178,"text":"Takaful protection to applicant is available"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"2 months"},{"title":"EPF statement","description":"6 months"}],"additional_document":[{"title":"","description":""}],"seo":[{"meta_title":"Al Rajhi Bank Personal Financing-i - Best Loan for Malaysian","meta_description":"Al Rajhi Bank Personal Financing-i loan, gives you longer tenure period and approved amount up to RM150,000 with interest rate as low as 6.99%p.a.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/al-rajhi-bank/personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":60}],"title":"Al Rajhi Bank Personal Financing-i","description":"","nid":"163","published":true,"path_alias":"personal-loan/al-rajhi-bank/personal-financing-i","apply_link":"","apply_button_text":"","min_amount":10000,"max_amount":150000,"min_tenure":1,"max_tenure":8,"min_age":25,"max_age":60,"min_income":5000,"min_financing":"RM10,000","max_financing":"Up to 8x monthly salary or up to RM150,000 whichever is lower","min_loan_tenure":"1","max_loan_tenure":"Up to 8 years based on monthly income","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"The profit rate ranges from 4.99% to 9.50% p.a depending on gross income and financing tenure","approval_duration":"Up to 2 business days","debt_consolidation":"Available through Balance Transfer Program","processing_fee":"N/A","stamp_duty":"0.5% of financing amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"As per internal Shariah Ruling","other_penalty":"","employment_eligibility":"Salaried only","guarantor_collateral_requirement":"N/A","age_requirement":"25 - 60 years old","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"Islamic","promo":false,"promo_text":"Approved financing amount of up to RM150,000.","promo_description":"Check your eligibility with us now","promo_image":"uploads/logos/MYPL_promo_alrajhi_eDNgUzh.png","promo_button_text":"","promo_url":"","loan_score":3,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
Al Rajhi Bank Personal Financing-i FAQ
\r\n
What is the maximum allowable financing amount?
\r\n
Financing amount of up to eight times your monthly gross salary or up to RM150,000 for a maximum tenure of 8 years
\r\n\r\n
The catch?
\r\n\r\n
Applicant must be at least 25 years of age
\r\n
Lowest profit rate of 4.99% flat p.a is for 1 to 2 years financing tenure with monthly gross salary of RM15,000 & above
\r\n
An employee of a private sector with a minimum gross salary of RM5,000 per month
\r\n
Takaful protection is strongly encouraged
\r\n\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on financing amount to be deducted upfront before financing disbursement (as per Stamp Duty Act 1989).
\r\n\r\nRecurring payments:\r\n
Monthly payment comprising principal amount and profit charge.
\r\n
The profit rate ranges from 4.99% to 9.50% p.a depending on gross income and financing tenure.
\r\n\r\nLate penalty charge:\r\n
In compliant with Al Rajhi Bank’s Shariah ruling.
\r\n\r\n
How long is the application approval process and what are the documents required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Al-Rajhi Bank will require an average of two business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your financing application:
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
3 months (most current) bank statements
\r\n
EPF statement (most current)
\r\n
Certification letter by your current employer (if available)
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
HSBC Amanah Personal Financing-i has a flat interest rate starting from 6.99% p.a. The maximum tenure for this personal loan is 7 years. It also comes with a minimum income requirement of RM3,000.
With Mach I.O.U Personal Loan, the personal loan comes with an fixed interest rate starting from 7.20% p.a (after 20% cashback on interest). This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM3,000.
The personal loan effective rate for Bank Rakyat Personal Financing-i Aslah Swasta starts from 6.16% p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM2,000.
"},{"id":61,"personalLoanBank":{"id":45,"bank":{"id":44,"logo":"uploads/logos/CIMB_Bank.png","name":"CIMB","description":"","path_alias":""},"title":"CIMB","description":"","published":true,"path_alias":"","logo":"uploads/logos/CIMB_Bank.png"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":14.88,"min_salary":1500},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":6.88,"min_salary":1501},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":6.88,"min_salary":10000}],"featured_highlight":[{"id":179,"text":"Approved loan amount of up to RM100,000"},{"id":180,"text":"Fixed interest rate of 6.88% - 14.88% per year (subject to the Bank's approving criteria)"},{"id":181,"text":"Loan approval within 24 hours."}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"2019 CIMB Cash Plus Personal Loan - 24 Hours Loan Approval","meta_description":"Calculate online your monthly repayments and apply for CIMB Bank Cash Plus Loan, with 6.88% interest rates p.a. and up to RM100K approved loan amount.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/cimb-bank/cash-plus-personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":61}],"title":"CIMB Bank Cash Plus Personal Loan","description":"","nid":"823","published":true,"path_alias":"personal-loan/cimb-bank/cash-plus-personal-loan","apply_link":"","apply_button_text":"","min_amount":2000,"max_amount":100000,"min_tenure":2,"max_tenure":5,"min_age":21,"max_age":60,"min_income":2000,"min_financing":"RM2,000","max_financing":"Up to 8x monthly gross salary or up to RM100,000","min_loan_tenure":"2 years","max_loan_tenure":"5 years","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"6.88% - 14.88%","approval_duration":"Up to 24 hours","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"N/A","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% p.a. on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
CIMB Cash Plus Personal Loan FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to eight times your monthly gross salary or RM100,000 for a maximum loan tenure of five years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age 21 to 60 to qualify.
\r\n
Applicant must be a Malaysian citizen or permanent resident employed as a Government servant, employee of private sector organization, or self-employed with a minimum gross salary of RM2,000 per month.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nPenalties:\r\n
Late payment charges of 1% per annum on monthly instalments or any amount due but remained unpaid or on the balance outstanding. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
Calculate the cost of taking up this loan using our calculator
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, CIMB will require 24 hours before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Photocopy of MyKad
\r\n
3 months (most current) salary slips
\r\n
3 months (most current) Salary-Crediting Account / latest EPF statements / latest EA Form / latest BE Form and tax receipt
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all outstanding debts before applying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With AmBank Islamic Bank AmMoneyLine Facility-i, the personal loan comes with an fixed interest rate starting from 8% p.a. This personal loan has a maximum tenure of 8 years. It also comes with a minimum income requirement of RM2,000.
Maybank Personal Loan has a flat interest rate starting from 6.5% p.a. The maximum tenure for this personal loan is 6 years. It also comes with a minimum income requirement of RM2,500.
The personal loan rate for RHB Easy-Pinjaman Ekspres starts from 11.63% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM1,500.
\r\n "},{"id":62,"personalLoanBank":{"id":46,"bank":{"id":2,"logo":"uploads/my/logos/citibank.png","name":"Citibank","description":"","path_alias":""},"title":"Citibank","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/citibank.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":5000,"interest_rate":5.88,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":150000,"interest_rate":9.8,"min_salary":null}],"featured_highlight":[{"id":182,"text":"Approved loan amount of up to RM150,000"},{"id":183,"text":"Flat interest rate starting as low as 5.88% per annum"},{"id":184,"text":"Loan up to 10x of your monthly salary"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"2 months"},{"title":"EPF statement","description":"6 months"}],"seo":[{"meta_title":"Citibank Personal Loan 2019 - Instant Approval Process","meta_description":"Short on cash? Apply for Citibank Personal Loan with an interest rate as low as 5.88% p.a. to overcome your financial concerns.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/citibank/personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":62}],"title":"Citibank Personal Loan","description":"","nid":"1443","published":true,"path_alias":"personal-loan/citibank/personal-loan","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":150000,"min_tenure":2,"max_tenure":5,"min_age":21,"max_age":60,"min_income":4000,"min_financing":"RM5,000","max_financing":"Up to 10x monthly salary or RM150,000","min_loan_tenure":"2 years","max_loan_tenure":"5 years","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Flat rate of 5.88% – 9.80% per annum","approval_duration":"Instant Approval","debt_consolidation":"Yes at 7.5% per annum","processing_fee":"N/A","stamp_duty":"0.5% of approved loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"RM200 or 3% outstanding loan amount, whichever is higher; if loan is settled within 2 years or before reaching half the tenure, whichever is earlier.","late_payment_charges":"1% per annum daily charge on past outstanding loan amount","other_penalty":"","employment_eligibility":"Salaried, self employed","guarantor_collateral_requirement":"N/A","age_requirement":"21 - 60 years old","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"Debt Consolidation","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
Citibank Personal Loan FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to 10x your monthly gross salary or RM150,000 for a maximum loan tenure of five years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age 21 to 60 above to qualify.
\r\n
Applicant must be a Malaysian citizen or permanent resident employed as a Government servant or employee of private sector organization with a minimum gross salary of RM4,000 per month.
\r\n
Applicant would be able to know his/her loan approval status within the same day.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
0.5% of approved loan amount.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via cash deposit, cheque deposit, Interbank GIRO (IBG), or MEPS Shared ATM fund transfer.\r\n
Interest charge will be at an effective interest rate of 14.5% per annum (7.90% - 12.5% flat interest rate per annum).
Debt consolidation is also offered as low as 7.5% flat interest rate per annum.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% per annum daily charge on past outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
Early settlement fee of RM200 or 3% outstanding loan amount, whichever is higher; if loan is settled within 2 years or before reaching half the tenure, whichever is earlier.
\r\n\r\n
Calculate the cost of taking up this loan using our calculator.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, customer will be able to know his/her loan approval status within the same day.
\r\n
You are required to furnish the following documents for your loan application with Citibank:
\r\n
\r\n
Copy of NRIC (front and back)
\r\n
2 months (most current) salary slips
\r\n
6 month EPF or bank statement (most current)
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all outstanding debts before applying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With AmBank Islamic AmMoneyLine Facility-i, the personal loan comes with an fixed interest rate starting from 8% p.a. This personal loan has a maximum tenure of 8 years. It also comes with a minimum income requirement of RM2,000.
Standard Chartered CashOne has a flat interest rate starting from 8.5% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM3,000.
The personal loan rate for RHB Easy-Pinjaman Ekspres starts from 8.28% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM1,500.
\r\n "},{"id":63,"personalLoanBank":{"id":47,"bank":{"id":49,"logo":"uploads/logos/agrobank.png","name":"Agrobank","description":"","path_alias":""},"title":"Agrobank","description":"","published":true,"path_alias":"","logo":"uploads/logos/agrobank.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":1,"amount":null,"interest_rate":6.17,"min_salary":null},{"interest_format":"tenurerange","tenure_type":4,"amount":null,"interest_rate":6.62,"min_salary":null}],"featured_highlight":[{"id":185,"text":"Approved financing amount of up to RM200,000"},{"id":186,"text":"Fixed profit rate starting at 6.17% per annum"},{"id":187,"text":"Takaful Protection Scheme compulsory"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"2019 Agro Bank AgroCash-i Personal Loan - Up to 200K Approved","meta_description":"Apply for Agrobank AgroCash-i Financing Loan and get low-interest rates from 6.17% p.a. and quick 5 days approval. Low income required.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/agrobank/agrocash-i-bai-al-inah","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":63}],"title":"Agrobank AgroCash-i","description":"","nid":"1658","published":true,"path_alias":"personal-loan/agrobank/agrocash-i-bai-al-inah","apply_link":"","apply_button_text":"","min_amount":10000,"max_amount":200000,"min_tenure":2,"max_tenure":10,"min_age":18,"max_age":60,"min_income":1000,"min_financing":"10000","max_financing":"Up to RM200,000","min_loan_tenure":"2 years","max_loan_tenure":"Up to 10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Fixed rate of 6.17%-6.62% per annum","approval_duration":"Up to 5 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.4% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% Ta'widh","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Optional","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Bank Agro AgroCash-i FAQ
\r\n
What is the maximum amount you can borrow?
\r\n
Borrowable amount of:
\r\n
Up to RM200,000 for a maximum financing tenure of 10 years
\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen aged 18 and above to qualify.
\r\n
Applicant must be a Government servant or employee of a Government-Linked Company (GLC) with at least 3 months of completed service and a minimum gross salary of RM1,000 per month.
\r\n\r\n
What will it cost you and how will you be charged?
\r\n
One time set-up fee:\r\n
Stamp duty of 0.5% and Takaful fee charges of RM50
\r\n\r\n
Recurring payments:\r\n
Monthly repayment comprising principal amount and profit rate charge via monthly Bank Rakyat Savings Account deduction, Biro Perkhidmatan Angkasa (BPA) monthly salary deduction facility, or monthly salary deduction.
\r\n\r\n
For financing tenure of 1 year to 3 years:\r\n
Fixed profit rate of 6.17% per annum.
\r\n\r\n
For financing tenure of 4 years to 10 years:\r\n
Fixed profit rate of 6.62% per annum.
\r\n\r\n
Penalties: \r\n
No early settlement penalty. Late payment charges of 1% Ta'widh.
\r\n\r\n
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.
\r\n
Thereafter, Bank Agro will require an average of five business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your financing application:
\r\n\r\n
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
Letter of confirmation by your current employer
\r\n
Bank statement showing crediting of salary
\r\n
Income tax statement (J/EA/EC form) with tax payment receipt attached (most current)
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
\r\nMach I.O.U Personal Loan\r\n: The personal loan rate for Mach I.O.U Personal Loan starts from 12% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.\r\n \r\n\r\nCitibank Ready Credit (Pay Lite)\r\n: With Citibank Ready Credit (Pay Lite) , the personal loan comes with a effective interest rate starting from 14% p.a. This personal loan has a maximum tenure of 4 years. It also comes with a minimum income requirement of RM2,000.\r\n\r\nRHB Personal Financing\r\n: RHB Personal Financing has a flat interest rate starting from 8.88% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.\r\n","productInterestRate":"6.17","monthlyRepayment":"988","totalAmountPayable":"35553","totalInterestPayable":"5553"},{"id":64,"personalLoanBank":{"id":48,"bank":{"id":42,"logo":"uploads/logos/mbsb-bank-logo-720x340_ZbE3Wn9.png","name":"MBSB","description":"","path_alias":""},"title":"MBSB","description":"","published":true,"path_alias":"","logo":"uploads/logos/mbsb-bank-logo-720x340_ZbE3Wn9.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":2,"amount":null,"interest_rate":3.69,"min_salary":null},{"interest_format":"tenurerange","tenure_type":5,"amount":null,"interest_rate":4,"min_salary":null}],"featured_highlight":[{"id":188,"text":"Approved financing amount of up to RM250,000"},{"id":189,"text":"Competitive financing rates as low as 3.34% p.a flat rate"},{"id":190,"text":"Takaful coverage is optional"},{"id":191,"text":"Salary deduction via Biro Angkasa"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"MBSB Mumtaz-i Personal Loan - Approval Less Than 24 hours | iMoney.my","meta_description":"Short on cash? Apply for MBSB Mumtaz-i Personal Loan with interest rate starting as low as 3.40% p.a. to overcome your financial concerns.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/mbsb/mumtaz-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":64}],"title":"MBSB Mumtaz-i","description":"","nid":"2177","published":true,"path_alias":"personal-loan/mbsb/mumtaz-i","apply_link":"https://www.mbsbbank.com/consumer_financing_personal_financing.html","apply_button_text":"","min_amount":50000,"max_amount":250000,"min_tenure":2,"max_tenure":10,"min_age":19,"max_age":60,"min_income":3000,"min_financing":"RM50,000","max_financing":"Up to RM250,000","min_loan_tenure":"2 years","max_loan_tenure":"Up to 10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Flat rate of 3.34% up to 3.80% per annum","approval_duration":"Up to 1 business day (Approval turnaround time (TAT) is subject to fresh loan (no overlapping))","debt_consolidation":"Overlapping financing","processing_fee":"N/A","stamp_duty":"N/A","disbursement":"Handling fees of RM 34* (*Fees are not including GST 6%) and IBG fees RM 4*","annual_fee":"N/A","other_fee":"N/A","early_settlement":"N/A","late_payment_charges":"During financing period, prior to maturity: 1% p.a. on the instalments amount in arrears and not compounded.","other_penalty":"N/A","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"N/A","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
MBSB Mumtaz-i FAQ
\r\n
What is the maximum amount you can finance?
Financing amount of up to RM250,000 for a maximum loan tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen between the age of 19 to 60 to qualify. Applicant must not exceed the age of 60 at the end of the financing tenure.
\r\n
Applicant must be an employee of Government, Government Link-Companies (GLC), State Government Link-Companies (SGLC), Local Councils and approved companies under Non-Biro arrangement with a minimum gross salary of RM3,000 including allowances per month.
\r\n
Takaful protection is optional.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
No set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via Accountant General (AG) or Biro Perkhidmatan Angkasa (BPA) monthly salary deduction facility. Profit rate is fixed at 3.69% (0.30% per month) up to 4.00% per annum (0.33% per month) (rate is subject to a credit review by MBSB) throughout the financing tenure.
\r\n\r\nPenalties:\r\n
Late payment charges (During financing period, prior to maturity): Compensation (Ta’widh) will be charged at 1% p.a. on the instalments amount in arrears and not compounded.
\r\n
Late payment charges (Upon expiry of financing period, beyond the maturity): Compensation (Ta’widh) will be charged based on MBSB current rate which is equivalent to the Islamic Interbank Money Market (IIMM) Rate on the balance principal amount outstanding on the maturity date or the expiry of the Facility.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, MBSB will require an average of 1 business day (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Copy of NRIC (front and back) with original Certified True Copy (CTC).
\r\n
3 months (most current) salary slips.
\r\n
3 months (most current) Current or Savings Account statements.
\r\n
Certification letter by your current Head of Department.
\r\n
Confirmation letter on retirement age.
\r\n
Form T228 (applicable for Sarawak government employee).
\r\n
Redemption letter for overlapping financing.
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n
If you are looking for other personal loans, you may also consider
Alliance Bank CashFirst Personal Loan has a flat interest rate starting from 6.88% p.a. The maximum tenure for this personal loan is 7 years. It also comes with a minimum income requirement of RM3,000.
With Standard Chartered Quick Cash EDGE, the personal loan comes with an fixed interest rate starting from 10.50% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM2,000.
AmBank Islamic Personal Financing-i has a flat interest rate starting from 4.30% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM1,500.
"},{"id":65,"personalLoanBank":{"id":48,"bank":{"id":42,"logo":"uploads/logos/mbsb-bank-logo-720x340_ZbE3Wn9.png","name":"MBSB","description":"","path_alias":""},"title":"MBSB","description":"","published":true,"path_alias":"","logo":"uploads/logos/mbsb-bank-logo-720x340_ZbE3Wn9.png"},"personal_loan_rates":[{"interest_format":"tenurerange","tenure_type":2,"amount":null,"interest_rate":4.5,"min_salary":null},{"interest_format":"tenurerange","tenure_type":5,"amount":null,"interest_rate":4.9,"min_salary":null}],"featured_highlight":[{"id":192,"text":"Approved loan amount of up to RM400,000."},{"id":193,"text":"Fixed interest rate starting at 4.50% per annum."},{"id":194,"text":"Takaful protection not compulsory."}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"MBSB Afdhal-i Personal Loan - Fixed Interest Rate From 4.5% p.a.","meta_description":"MBSB Afdhal-i is the best MBSB personal loan in Malaysia. Get interest rates starting from 4.5% p.a. and loan approval up to 24 hours.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/mbsb/afdhal-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":65}],"title":"MBSB Afdhal-i","description":"","nid":"2178","published":true,"path_alias":"personal-loan/mbsb/afdhal-i","apply_link":"","apply_button_text":"","min_amount":3000,"max_amount":400000,"min_tenure":2,"max_tenure":10,"min_age":19,"max_age":60,"min_income":2000,"min_financing":"RM3,000","max_financing":"Up to RM400,000","min_loan_tenure":"2 years","max_loan_tenure":"Up to 10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Flat rate of 4.50% – 4.90% per annum","approval_duration":"Up to 1 business day (Approval turnaround time (TAT) is subject to fresh loan (no overlapping)","debt_consolidation":"Overlapping financing","processing_fee":"N/A","stamp_duty":"N/A","disbursement":"Handling fees of RM 34* (*Fees are not including GST 6%)","annual_fee":"N/A","other_fee":"N/A","early_settlement":"N/A","late_payment_charges":"N/A","other_penalty":"N/A","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"N/A","buy_takaful_product":"","other_details":"N/A","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
MBSB Afdhal-i FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to RM400,000 for a maximum loan tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen between the age of 19 to 60 to qualify. Applicant must not exceed the age of 60 at the end of the loan tenure.
\r\n
Applicant must be a contract government employee (Biro, Federal AG, State AG deduction facility), premium high income individual and a permanent employee of listed private sector companies with a minimum gross salary of RM2,500 (contract), RM15,000 (premium) or RM2,000 (private) including allowances per month.
\r\n
Takaful protection is optional.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
No set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via Accountant General (AG) or Biro Perkhidmatan Angkasa (BPA) monthly salary deduction facility. Interest rate is fixed at 4.50% (0.38% per month) up to 4.90% per annum (0.41% per month) (rate is subject to a credit review by MBSB) throughout the loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges (During financing period, prior to maturity): Compensation (Ta’widh) will be charged at 1% p.a. on the instalments amount in arrears and not compounded.
\r\n
Late payment charges (Upon expiry of financing period, beyond the maturity): Compensation (Ta’widh) will be charged based on MBSB current rate which is equivalent to the Islamic Interbank Money Market (IIMM) Rate on the balance principal amount outstanding on the maturity date or the expiry of the Facility.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, MBSB will require an average of 1 business day (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Copy of NRIC (front and back) with original Certified True Copy (CTC)
\r\n
3 months (most current) salary slips
\r\n
3 months (most current) Current or Savings Account statements
\r\n
Certification letter by your current Head of Department
\r\n
Confirmation letter on retirement age
\r\n
Form T228 (applicable for Sarawak government employee)
\r\n
Redemption letter for overlapping financing
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n
If you are looking for other personal loans, you may also consider
Alliance Bank CashFirst Personal Loan has a flat interest rate starting from 6.88% p.a. The maximum tenure for this personal loan is 7 years. It also comes with a minimum income requirement of RM3,000.
With Standard Chartered Quick Cash EDGE, the personal loan comes with an fixed interest rate starting from 10.50% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM2,000.
AmBank Islamic Personal Financing-i has a flat interest rate starting from 4.30% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM1,500.
"},{"id":66,"personalLoanBank":{"id":42,"bank":{"id":45,"logo":"uploads/logos/BSN-New-Logo_4xmoFmu.jpg","name":"BSN","description":"","path_alias":""},"title":"BSN","description":"","published":true,"path_alias":"","logo":"uploads/logos/BSN-New-Logo_4xmoFmu.jpg"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":8.5,"min_salary":3000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":7,"min_salary":5000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":6,"min_salary":10000}],"featured_highlight":[{"id":195,"text":"Approved loan amount of up to RM200,000"},{"id":196,"text":"Fixed interest rate as low as 6.00% annually"},{"id":197,"text":"Based on the Shariah concept of Tawarruq which comprises of Bai Murabahah and Wakalah contracts"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"2019 BSN Personal Loan - Up to 200K Approve Amount - Low Rate","meta_description":"BSN MyRinggit-i EKSEKUTIF-1 Personal Financing is the best BSN personal loan in Malaysia. Interest rates start from 6.00% p.a. and approval up to 5 days.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/bsn/bsn-aflah-executive-1-personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":66}],"title":"BSN MyRinggit-i EKSEKUTIF-1 Personal Financing","description":"","nid":"2472","published":true,"path_alias":"personal-loan/bsn/bsn-aflah-executive-1-personal-financing-i","apply_link":"","apply_button_text":"","min_amount":10000,"max_amount":200000,"min_tenure":2,"max_tenure":10,"min_age":21,"max_age":60,"min_income":3000,"min_financing":"RM10,000","max_financing":"10x of monthly gross income or maximum RM200,000.00 whichever is lower.","min_loan_tenure":"2 years","max_loan_tenure":"10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Fixed profit rate from as low as 6.00% to 8.50% per annum.","approval_duration":"Up to 5 business days","debt_consolidation":"No","processing_fee":"N/A","stamp_duty":"0.5% on loan amount","disbursement":"","annual_fee":"","other_fee":"","early_settlement":"Bank reserves the rights to charge any fees and charges which represents the cost incurred by the bank","late_payment_charges":"1% on outstanding loan amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"N/A","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
BSN MyRinggit-i EKSEKUTIF-1 Personal Financing FAQ
\r\n
What is the maximum amount you can borrow?
\r\n
Borrowable amount of up to ten times your monthly gross salary or RM200,000 for a maximum loan tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen between the age of 21 to 60 with full-time employment as employees of Premier Developer Panels, Private Hospitals, Telecommunication Companies, Licensed Financial Institutions, Multinational Companies, PETRONAS Group of Companies, Selected Private Universities & Colleges, Statutory Bodies, Government Link Companies, Selected Public Listed Companies in Main Market Bursa Malaysia (Financial, Plantation,Property,Technology,Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctors, Architects, Lawyers, Accountants and other certified Professionals).
\r\n
Applicant must be earning a minimum gross salary of RM3,000 per month.
\r\n
Opening of a linked bank account is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\n\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on loan amount to be deducted upfront before loan disbursement. No other set-up fees need to be paid.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via Standing Instruction deduction, ATM/CDM, or Interbank GIRO (IBG). Interest rate is fixed between 5.50% and 7.50% per annum throughout the entire loan tenure.
\r\n\r\nPenalties:\r\n
Late payment charges of 1% on outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No early settlement penalty imposed.
\r\n\r\n
Calculate the cost of taking up this loan using our calculator
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, Bank Simpanan Nasional will require an average of five business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Copy of latest three (3) months’ Salary Slips;
\r\n
Copy of your NRIC (both sides);
\r\n
Latest EPF Statement; AND
\r\n
Confirmation Letter by Employer stating the below:
\r\n
\r\n
Name and NRIC
\r\n
Designation / Position
\r\n
Monthly salary
\r\n
Date of Employment
\r\n
OR
\r\n
Latest EA / EC Statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN)
\r\n
\r\n
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With Bank Rakyat Personal Financing-i Aslah Awam, the personal loan comes with an fixed interest rate starting from 3.65% p.a. This personal loan has a maximum tenure of 8 years. It also comes with a minimum income requirement of RM1,000.
Agrobank AgroCash-i (Bai' Al-Inah) has a flat interest rate starting from 2.67% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM1,500.
The personal loan rate for Bank Islam Personal Financing-i (Package) starts from 4.99% p.a. It has a maximum tenure of 10 years. The personal loan also comes with a minimum income requirement of RM2,000.
\r\n "},{"id":67,"personalLoanBank":{"id":49,"bank":{"id":52,"logo":"uploads/logos/JCL_logo_resize.png","name":"JCL","description":"","path_alias":""},"title":"JCL","description":"","published":true,"path_alias":"","logo":"uploads/logos/JCL_logo_resize.png"},"personal_loan_rates":[{"interest_format":"tenure","tenure_type":1,"amount":null,"interest_rate":12,"min_salary":null},{"interest_format":"tenure","tenure_type":2,"amount":null,"interest_rate":12,"min_salary":null},{"interest_format":"tenure","tenure_type":3,"amount":null,"interest_rate":12,"min_salary":null},{"interest_format":"tenure","tenure_type":4,"amount":null,"interest_rate":12,"min_salary":null},{"interest_format":"tenure","tenure_type":5,"amount":null,"interest_rate":12,"min_salary":null},{"interest_format":"tenure","tenure_type":10,"amount":null,"interest_rate":18,"min_salary":null}],"featured_highlight":[{"id":198,"text":"Approved loan amount of up to RM50,000"},{"id":199,"text":"Flat interest rate starting at 12% per annum"},{"id":200,"text":"No guarantor, no collateral"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"3 months"},{"title":"Bank statement","description":"3 months"},{"title":"Utility bill","description":"Latest with current address"}],"seo":[{"meta_title":"2019 JCL Personal Loan - Up to 50K Approved - Fast Approval","meta_description":"Short on cash? Apply with iMoney for JCL Personal Loan with a fixed interest rate as low as 12% p.a. to overcome your financial concerns.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/jcl/jcl-personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":67}],"title":"JCL Personal Loan","description":"","nid":"2765","published":true,"path_alias":"personal-loan/jcl/jcl-personal-loan","apply_link":"http://offers.imoney.my/campaign/personal-loan/jcl?src=listing_page_eng","apply_button_text":"","min_amount":500,"max_amount":50000,"min_tenure":1,"max_tenure":5,"min_age":18,"max_age":60,"min_income":1000,"min_financing":"RM500","max_financing":"RM50,000","min_loan_tenure":"1","max_loan_tenure":"5","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"12% per annum (with collateral) or 18% per annum (without collateral)","approval_duration":"2 days","debt_consolidation":"No","processing_fee":"Free","stamp_duty":"0.5% of approved loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"No penalty","late_payment_charges":"8% from current outstanding amount","other_penalty":"","employment_eligibility":"Salaried, self employed, commission earner","guarantor_collateral_requirement":"N/A","age_requirement":"18 - 60 years old","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"High Acceptance","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":69,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
JCL Personal Loan FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to RM50,000 for a maximum loan tenure of five years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age 18 to 60 above to qualify.
\r\n
Applicant must be a Malaysian citizen or permanent resident employed as a Government servant, employee of private sector organization, or self-employed with a minimum gross salary of RM1,000 per month or annual income of RM12,000.
\r\n
This loan covers applicant who live within Klang Valley area.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
0.5% of approved loan amount.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via cash deposit, cheque deposit, Interbank GIRO (IBG), or MEPS Shared ATM fund transfer. Interest charge will be at 12% flat interest rate per annum (with collateral) or 18% flat interest rate per annum (without collateral).
\r\n\r\nPenalties:\r\n
Late payment charges of 8% from outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
\r\n
No penalty for early settlement.
\r\n\r\n
Calculate the cost of taking up this loan using our calculator.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, JCL will require 2 days to asses you documentation before deciding on approval
\r\n
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
3 months (most current) bank statements
\r\n
EPF or bank statement (most current)
\r\n
Current utility bill with current address
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
Yes, if you are having adverse record on CCRIS/CTOS/Credit Record. Blacklisted record applicant is not allowed to apply for this financing.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for RHB Easy-Pinjaman Ekspres starts from 8.28% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM1,500.
With AmBank Islamic AmMoneyLine Facility-i, the personal loan comes with an fixed interest rate starting from 8% p.a. This personal loan has a maximum tenure of 8 years. It also comes with a minimum income requirement of RM2,000.
Standard Chartered CashOne has a flat interest rate starting from 8.5% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM3,000.
\r\n"},{"id":68,"personalLoanBank":{"id":50,"bank":{"id":50,"logo":"uploads/logos/AEON-Credit.jpg","name":"AEON","description":"","path_alias":""},"title":"AEON","description":"","published":true,"path_alias":"","logo":"uploads/logos/AEON-Credit.jpg"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":10000,"interest_rate":7.92,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":1000,"interest_rate":18,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":-1000,"interest_rate":7.92,"min_salary":null}],"featured_highlight":[{"id":201,"text":"Approved financing amount of up to RM100,000"},{"id":202,"text":"Fixed profit rate as low as 0.66% per month"},{"id":203,"text":"Monthly repayment as low as RM 54 based on loan amount and loan tenure"},{"id":204,"text":"No early settlement fee and handling fee"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"3 months (permanent staff) or 6 months (non-permanent staff)"},{"title":"EPF statement","description":""}],"seo":[{"meta_title":"2019 AEON i-Cash Personal Financing - 24/7 Cash Disbursement","meta_description":"Get today AEON i-Cash personal loan up to RM100,000 to cover your financial needs. Everyone can benefit from fast approval and up to 7 years loan tenure.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/aeon/aeon-icash","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":68}],"title":"AEON i-Cash Personal Financing","description":"","nid":"2793","published":true,"path_alias":"personal-loan/aeon/aeon-icash","apply_link":"","apply_button_text":"","min_amount":1000,"max_amount":100000,"min_tenure":1,"max_tenure":7,"min_age":18,"max_age":60,"min_income":1500,"min_financing":"RM1,000","max_financing":"RM100,000","min_loan_tenure":"6 months","max_loan_tenure":"7 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Flat profit rate of 7.92% – 18.00% per annum","approval_duration":"24/7 Approval","debt_consolidation":"No","processing_fee":"Maximum fee is RM400","stamp_duty":"0.5% stamp duty fee is applicable","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"Ranging from RM18 to RM40","other_penalty":"","employment_eligibility":"Salaried, self employed, salary by cash","guarantor_collateral_requirement":"N/A","age_requirement":"18 - 60 years old","minimum_salary":null,"linked_bank_account":"","buy_takaful_product":"","other_details":"","product_text":"Islamic","promo":false,"promo_text":"","promo_description":"Cash disbursement on weekends available with quick approval","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":55,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
AEON i-Cash Personal Financing FAQ
\r\n
What is the maximum amount you can borrow?
\r\n
Borrowable amount of up to RM100,000 for a maximum financing tenure of seven years.
\r\n
Applicant must be between the age 18 to 60 above to qualify.
\r\n
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.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen only.
\r\n
Get your cash disbursement anytime 24/7 upon approval.
\r\n
Based on Shariah principle.
\r\n
No early settlement fee and handling fee.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
0.5% stamp duty fee is applicable as per Stamp Duty Act 1949 (Revised 1989) to be deducted upfront before financing disbursement.
\r\n\r\nProcessing Fee:\r\n
Maximum processing fee to be paid up to RM400.
\r\n\r\nRecurring payments:\r\n
Monthly payment comprising principal amount and profit charge. For financing tenure of 1 - 7 years, the profit rate ranging from 7.92% to 18.00%.
\r\n\r\nLate penalty charge:\r\n
In compliant with AEON Credit Service Shariah ruling.
\r\n\r\n\r\nPenalties:\r\n
Late payment charges ranging from RM18 - RM40. Late payment charges will increase your total outstanding financing amount.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, AEON Credit Service will contact you within the same business day and will request you to furnish required documents.
\r\n
Customer will be informed on their application status (Approve/Decline) via SMS by AEON Credit Service. If application is approved, AEON representative will contact customer to sign the Sales and Purchase Agreement at the nearest AEON Credit Service branch.
\r\n
Funds will be transferred to customers Saving Account or Current Account.
\r\n
The decision of providing financing approval is solely from AEON Credit Service. \r\n\r\n
You are required to furnish the following documents for your financing application:
\r\n
If you are a salaried employee, please prepare the following:
\r\n
Copy of NRIC (front and back)
\r\n
3 months salary slip
\r\n
Most current EPF Statement with latest 6 month contribution
\r\n
Latest bank saving account passbook or current/savings account statement
\r\n\r\n
If you are self-employed, please prepare the following:
\r\n
Copy of NRIC (front and back)
\r\n
Business Registration Certificate (must be at least 1 years in business)
\r\n
Latest 6 months' Company principle Current Account or Latest updated bank statements
\r\n
Most recent Form BE/E and Tax payment receipt from LHDN
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for Hong Leong Islamic Personal Financing-I starts from 12% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.
With UOB Personal Loan, the personal loan comes with an fixed interest rate starting from 9.99% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM2,000.
Maybank Islamic Personal Financing-i has a flat interest rate starting from 7% p.a. The maximum tenure for this personal loan is 6 years. It also comes with a minimum income requirement of RM2,500.
","productInterestRate":"7.92","monthlyRepayment":"1031","totalAmountPayable":"37128","totalInterestPayable":"7128"},{"id":69,"personalLoanBank":{"id":51,"bank":{"id":35,"logo":"uploads/my/logos/kuwait-finance-house-logo.png","name":"Kuwait Finance House","description":"","path_alias":""},"title":"Kuwait Finance House","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/kuwait-finance-house-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":250000,"interest_rate":6,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":5000,"interest_rate":6.88,"min_salary":null}],"featured_highlight":[{"id":205,"text":"Financing amount up to RM250,000"},{"id":206,"text":"Fixed profit rate as low as 6% p.a"},{"id":207,"text":"Stretch financing tenure up to 10 years"},{"id":208,"text":"Takaful protection for total peace of mind"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"KFH PF-i Application Form","description":"Required"},{"title":"NRIC","description":"Front and back"},{"title":"Salary Slip","description":"3 months"},{"title":"EPF statement","description":"Latest 3 months"}],"seo":[{"meta_title":"2019 KFH Personal Financing - Up to 250K Approved Financing Amount","meta_description":"Apply today for KFH personal financing and cover your financial needs. Up to 10 years of financing tenure and profit rate maxed at 6.88% p.a. awaits you.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/kuwait-finance-house/personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":true,"index":true,"object_id":69}],"title":"Kuwait Finance House Personal Financing-i","description":"","nid":"2797","published":true,"path_alias":"personal-loan/kuwait-finance-house/personal-financing-i","apply_link":"","apply_button_text":"","min_amount":5000,"max_amount":250000,"min_tenure":2,"max_tenure":10,"min_age":21,"max_age":60,"min_income":3000,"min_financing":"RM5,000","max_financing":"RM250,000","min_loan_tenure":"2 years","max_loan_tenure":"10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"As low as 6% per annum","approval_duration":"3 working days","debt_consolidation":"","processing_fee":"N/A","stamp_duty":"0.5% of financing amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% from current outstanding amount","other_penalty":"","employment_eligibility":"Salaried only","guarantor_collateral_requirement":"N/A","age_requirement":"21 - 60 years old","minimum_salary":null,"linked_bank_account":"N/A","buy_takaful_product":"","other_details":"","product_text":"Islamic","promo":true,"promo_text":"Borrow financing up to RM 250,000","promo_description":"KFH Personal Financing-i is the best possible way to get you started with a financing that comes with a flexible tenure up to 10 years","promo_image":"uploads/logos/MYPL_promo_kuwait_rTn5Jgh.png","promo_button_text":"","promo_url":"","loan_score":100,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"4","apply_form_category":"2","machine_name":"","body":"
Kuwait Finance House Personal Financing-i FAQ
\r\n
What is the maximum allowable financing amounts?
\r\n
Financing amount of up to 10x your monthly gross salary or up to RM250,000 for a maximum tenure of 10 years
\r\n\r\n
The catch?
\r\n
Applicant must be at least 21 years. Max age depending on age and financing tenure
\r\n
An employee of a private sector with a minimum gross salary of RM3,000 per month*
\r\n
Group Credit Term Takaful (GCTT) is required to be taken up by the customer
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on financing amount to be deducted upfront before financing disbursement (as per Stamp Duty Act 1989).
\r\n\r\nRecurring payments:\r\n
Monthly payment comprising principal amount and profit charge. For financing tenure of 2 - 10 years, the profit rate ranging from 6% per annum
\r\n\r\nLate penalty charge:\r\n
1% from current outstanding amount
\r\n\r\n
How long is the application approval process and what are the documents required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, KFH Bank will require an average of three business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your financing application:
\r\n
Copy of NRIC (front and back)
\r\n
3 months (most current) salary slips
\r\n
EPF statement (most current)
\r\n
Other documents on case to case basis
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
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.
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.
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.
"},{"id":70,"personalLoanBank":{"id":34,"bank":{"id":29,"logo":"uploads/my/logos/rhb.png","name":"RHB","description":"","path_alias":""},"title":"RHB","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/rhb.png"},"personal_loan_rates":[{"interest_format":"amount_tenure","tenure_type":2,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":8,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":9,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":10,"amount":2000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":8,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":9,"amount":200000,"interest_rate":4.5,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":10,"amount":200000,"interest_rate":4.5,"min_salary":null}],"featured_highlight":[{"id":209,"text":"Promotion rate as low as 4.50% p.a"},{"id":210,"text":"Salary deduction scheme"},{"id":211,"text":"Financing amount up to RM200,000"},{"id":212,"text":"Flexible repayment period"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & back (2 copies)"},{"title":"Employment confirmation letter","description":""},{"title":"Salary slip","description":"3 months"},{"title":"Bank statement","description":""},{"title":"Authorization letter","description":"For salary deduction"}],"seo":[{"meta_title":"Civil Sector RHB Personal Financing-i - Up To RM 200K Approved Amount","meta_description":"Apply for RHB government personal financing and cover your financial needs. Benefit from low rate as 4.50% p.a and flexible repayment period up to 10 years financing tenure.","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/rhb-islamic-bank/civil-personal-financing-i","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":70}],"title":"RHB Personal Financing-i For Civil Sector","description":"","nid":"2879","published":true,"path_alias":"personal-loan/rhb-islamic-bank/civil-personal-financing-i","apply_link":"","apply_button_text":"","min_amount":2000,"max_amount":200000,"min_tenure":2,"max_tenure":10,"min_age":18,"max_age":58,"min_income":2000,"min_financing":"2,000","max_financing":"200,000","min_loan_tenure":"2 years","max_loan_tenure":"10 years","islamic_conventional":"Islamic","fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"4.5% - 4.9%","approval_duration":"7 business days","debt_consolidation":"","processing_fee":"","stamp_duty":"Nominal amount of RM10.00 (per document)","disbursement":"","annual_fee":"","other_fee":"The instalment is inclusive of 2.0% collection fee of total deduction","early_settlement":"","late_payment_charges":"","other_penalty":"","employment_eligibility":"Salaried","guarantor_collateral_requirement":"None required","age_requirement":"18 - 58 years old","minimum_salary":null,"linked_bank_account":"","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
RHB PF-i for Civil Sector FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to RM200,000 for a maximum financing tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age of 18 to 58 years old at the end of financing tenure to qualify.
\r\n
Applicant must be a Malaysian citizen employed as civil servants under Federal Government and selected government agencies with a minimum gross salary of RM2,000 per month.
\r\n
Opening of a linked bank account is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Nominal amount of RM10 (per document) 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.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction.
\r\n\r\nPenalties:\r\n
Early settlement penalty of RM200 for settlement within 6 months from the date of financing approval.
\r\n
Late payment charges of 1% on outstanding financing amount. Late payment charges will increase your total outstanding financing amount.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
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!
\r\n\r\n
However, to be on the safe side, do bring along the following documents with you as well!
\r\n\r\n
Please prepare the following documents:
\r\n
Latest 3 months pay slip
\r\n
Latest employment confirmation letter
\r\n
Authorization letter for salary deduction
\r\n
Latest bank saving account passbook or current/savings account statement
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
"},{"id":71,"personalLoanBank":{"id":27,"bank":{"id":36,"logo":"uploads/my/logos/maybank-logo.png","name":"Maybank","description":"","path_alias":""},"title":"Maybank","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/maybank-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":50000,"interest_rate":5,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":300000,"interest_rate":5,"min_salary":null}],"featured_highlight":[{"id":213,"text":"Approved loan up to RM3 million"},{"id":214,"text":"Low interest rate"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"Maybank Small & Medium Sized Industry","meta_description":"Maybank Small & Medium Sized Industry is the best small business loan in Malaysia with fixed 5% p.a. interest rates! 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Calculate your monthly repayments with iMoney.my","og_title":"BSN Micro Plus Loan Designed or Micro, Small and Medium Enterprises","og_description":"BSN Micro Plus is the best small business loan in Malaysia with flat interest rate 9:95% p.a! Calculate your monthly repayments with iMoney.my","cannonical_url":"https://www.imoney.my/personal-loan/bsn/bsn-microplus-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":72}],"title":"BSN Microplus Loan","description":"","nid":"2890","published":true,"path_alias":"personal-loan/bsn/bsn-microplus-loan","apply_link":"https://www.mybsn.com.my/content.xhtml?contentId=1015","apply_button_text":"","min_amount":50000,"max_amount":250000,"min_tenure":1,"max_tenure":7,"min_age":16,"max_age":60,"min_income":3000,"min_financing":"RM50,000","max_financing":"RM250,000","min_loan_tenure":"1","max_loan_tenure":"7","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"9.95% flat rate","approval_duration":"","debt_consolidation":"","processing_fee":"","stamp_duty":"RM10","disbursement":"","annual_fee":"","other_fee":"","early_settlement":"","late_payment_charges":"1% from current outstanding amount","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"","age_requirement":"","minimum_salary":null,"linked_bank_account":"Yes","buy_takaful_product":"","other_details":"","product_text":"Flat interest rate 9:95% p.a","promo":false,"promo_text":"","promo_description":"Fixed interest rate from 9:95% p.a for 7 year tenure","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"2","apply_form_category":"1","machine_name":"","body":""},{"id":73,"personalLoanBank":{"id":36,"bank":{"id":16,"logo":"uploads/my/logos/uob-logo.png","name":"UOB","description":"","path_alias":""},"title":"UOB","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/uob-logo.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":100000,"interest_rate":6.48,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":300000,"interest_rate":6.48,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":500000,"interest_rate":6.48,"min_salary":null}],"featured_highlight":[{"id":216,"text":"Fast approval time with low interest rate"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[],"seo":[{"meta_title":"UOB BizMoney Business Loan offers fastest approval time with low interest rates","meta_description":"UOB BizMoney Business Loan is the best small business loan in Malaysia with low interest rate 6:48% p.a! Calculate your monthly repayments with iMoney.my","og_title":"UOB BizMoney Business Loan offers fastest approval time with low interest rates","og_description":"UOB BizMoney Business Loan is the best small business loan in Malaysia with low interest rate 6:48% p.a! Calculate your monthly repayments with iMoney.my","cannonical_url":"https://www.imoney.my/personal-loan/uob/uob-bizmoney-business-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":73}],"title":"UOB BizMoney Business Loan","description":"","nid":"2891","published":true,"path_alias":"personal-loan/uob/uob-bizmoney-business-loan","apply_link":"https://www1.uob.com.my/business/finance/business-bizmoney.page","apply_button_text":"","min_amount":100000,"max_amount":500000,"min_tenure":2,"max_tenure":5,"min_age":18,"max_age":60,"min_income":3000,"min_financing":"RM100,000","max_financing":"RM500,000","min_loan_tenure":"1","max_loan_tenure":"5","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"6.48% p.a","approval_duration":"5 days","debt_consolidation":"","processing_fee":"","stamp_duty":"","disbursement":"","annual_fee":"","other_fee":"","early_settlement":"","late_payment_charges":"","other_penalty":"","employment_eligibility":"","guarantor_collateral_requirement":"","age_requirement":"","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"","product_text":"Flat interest rate 6.48% p.a","promo":false,"promo_text":"","promo_description":"Fixed interest rate from 6.48% p.a for 5 year tenure","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"2","apply_form_category":"1","machine_name":"","body":""},{"id":74,"personalLoanBank":{"id":52,"bank":{"id":51,"logo":"uploads/logos/CW_LOGO_H.png","name":"Cashwagon","description":"","path_alias":""},"title":"Cashwagon","description":"","published":true,"path_alias":"","logo":"uploads/logos/CW_LOGO_H.png"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":18,"min_salary":1000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":12,"min_salary":10000}],"featured_highlight":[{"id":217,"text":"Simplest and quickest way to get hassle-free instant cash loan"},{"id":218,"text":"Quick disbursement process as fast as 24 hours from approval"},{"id":219,"text":"Complete entire application online and eliminate complicated approval process"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & Back"}],"seo":[{"meta_title":"Cashwagon Instant Cash Loan - 24h Approval Period Guaranteed","meta_description":"Cashwagon Personal Loan is an express service for instant cash loans up to RM2,000 with easy approval procedures","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/cashwagon/instant-cash-loan","shortlink_url":"","show_robots_tag":true,"follow":true,"index":true,"object_id":74}],"title":"Cashwagon Personal Loan","description":"","nid":"2894","published":true,"path_alias":"personal-loan/cashwagon/instant-cash-loan","apply_link":"http://cashwagon.my?utm_source=imoney&utm_medium=cpa&utm_campaign=imoney_cpa&utm_term=link1","apply_button_text":"","min_amount":300,"max_amount":2000,"min_tenure":1,"max_tenure":1,"min_age":20,"max_age":60,"min_income":1000,"min_financing":"300","max_financing":"2,000 for new customers","min_loan_tenure":"1 month","max_loan_tenure":"Customer will need to pay the minimum amount required (25% of the Unpaid Balance amount) to extend the due date to another term","islamic_conventional":"Conventional","fast_approval":true,"government_only":false,"is_islamic":false,"interest_rate_text":"1.5% per month","approval_duration":"24 hours","debt_consolidation":"","processing_fee":"","stamp_duty":"","disbursement":"","annual_fee":"","other_fee":"Legal Processing Fees","early_settlement":"Possible without any penalties or charges","late_payment_charges":"Fees charged by the Debt Collection Agency","other_penalty":"","employment_eligibility":"Salaried, self employed, commission earner (For New Cashwagon Customers Only)","guarantor_collateral_requirement":"Not required","age_requirement":"20 - 60 years old","minimum_salary":null,"linked_bank_account":"","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"2","apply_form_category":"1","machine_name":"","body":"
Overview
\r\n
Cashwagon Personal Loan gives you the financial support to enjoy quick disbursement process, as fast as 24 hours from approval. You can complete the entire application online, eliminating complex approval procedures and complicated ways to claim the money.
\r\n\r\n
Cashwagon Personal Loan
\r\n
What is the maximum amount of money that you can loan from Cashwagon?
You are allowed to borrow instant cash up to RM 2,000. For repeat customers, you may borrow up to RM3,000.
\r\n\r\n
So what are the Terms & Conditions?
\r\n
To be qualified for the Cashwagon Personal Loan, you must be between 20 and 60 years old. On top of that, you must be currently employed and with a valid home address in Peninsular Malaysia only.
\r\n\r\n
What is the interest rate?
\r\n
Upon approval, interest rate not exceeding 12% p.a (with collateral) and 18% p.a (without collateral)
\r\n\r\n
What are the penalties for late payment or early settlement?
\r\n
There will be no late interest charge. However, if you default on your payment, Cashwagon will appoint a Debt Collection Agency to collect the payment from you and all fees incurred will be charged to you.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, you will be directed to the Cashwagon application page to complete the application process which includes a copy of your NRIC.
\r\n
Thereafter, Cashwagon will assess your application if it has been successful or rejected before the approval or disbursement within 24 hours.
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
The answer is Yes, you can still apply and get approved. However, it is advised that you settle all overdue payments before applying. Learn more about credit information from Credit Bureau Malaysia.\r\n
\r\n\r\n "},{"id":75,"personalLoanBank":{"id":34,"bank":{"id":29,"logo":"uploads/my/logos/rhb.png","name":"RHB","description":"","path_alias":""},"title":"RHB","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/rhb.png"},"personal_loan_rates":[{"interest_format":"amount","tenure_type":null,"amount":50000,"interest_rate":5.29,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":100000,"interest_rate":5.29,"min_salary":null},{"interest_format":"amount","tenure_type":null,"amount":300000,"interest_rate":5.29,"min_salary":null}],"featured_highlight":[{"id":220,"text":"Get your loan in 5 working days"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"Main Bank Statement","description":"Most recent 6 month statement"},{"title":"NRIC","description":"Copies of NRIC of all directors/shareholders (For Companies) or Owners/Partners (For Individuals)"}],"seo":[{"meta_title":"RHB Small Business Loan offers loan up to RM300,000 within 5 working days","meta_description":"RHB Small Business Loan is the best small business loan in Malaysia with low interest rate 5.29 p.a! 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Overview
\r\n
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.
\r\n\r\n
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.
\r\n \r\n\r\n
Co-opbank Pertama Personal Financing-i Lestari FAQ
\r\n
What is the maximum amount you can apply?
\r\n
Borrowable amount of:
\r\n
Applicants are allowed financing amount from RM5,000 - RM200,000.
\r\n
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen between the age of 18 to 60 (at the end of the financing tenure) to qualify.
\r\n
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.
\r\n
Repayment type of Biro Perkhidmatan Angkasa (BPA) to CBP\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5%
\r\n
Broker fee of RM50.
\r\n
Will fee of RM300.
\r\n\r\nEmployees from selected company / employer:\r\n
For financing tenure of 1 - 3 years:
\r\n\t
\r\n\t
Flat profit rate of 3.90% per annum throughout the entire financing tenure.
\r\n
For financing tenure of 4 - 10 years:
\r\n\t
\r\n\t
Flat profit rate of 4.20% per annum throughout the entire financing tenure.
\r\n
\r\n\r\nPenalties:\r\n
No early settlement penalty or late payment charges of 1% p.a on sum overdue amount under the facility.
\r\n\r\n
What are the required documentations?
\r\n
\r\n
Copy of NRIC (front and back)\r\n
Latest 3 months salary slips\r\n
Letter of confirmation by your current employer\r\n
3months bank statement (salary credited)\r\n
Redemption Letter (consolidate debt with other FI)\r\n\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
"},{"id":77,"personalLoanBank":{"id":48,"bank":{"id":42,"logo":"uploads/logos/mbsb-bank-logo-720x340_ZbE3Wn9.png","name":"MBSB","description":"","path_alias":""},"title":"MBSB","description":"","published":true,"path_alias":"","logo":"uploads/logos/mbsb-bank-logo-720x340_ZbE3Wn9.png"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":5000,"interest_rate":7.49,"min_salary":null},{"interest_format":"income","tenure_type":null,"amount":10000,"interest_rate":15,"min_salary":null}],"featured_highlight":[{"id":224,"text":"Financing amount up to RM250,000"},{"id":225,"text":"Financing tenure up to 10 years"},{"id":226,"text":"Fast approval"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[{"title":"Salaried","description":""},{"title":"Self-Employed","description":""}],"additional_document":[{"title":"NRIC","description":"Photocopy of front & back"},{"title":"Salary slip","description":"Latest 3 months (salaried only)"},{"title":"Savings/ Current Account Statements","description":"Latest 3 months"},{"title":"BE Form and Tax Receipt/ EA Form/ EPF statements","description":"Latest year"},{"title":"Business Registration Forms","description":"Form 9, 24, 49, B&D/ M&A (self-employed only)"},{"title":"Current Account statements (Company & Personal)","description":"Latest 6 months (self-employed only)"}],"seo":[{"meta_title":"","meta_description":"","og_title":"","og_description":"","cannonical_url":"","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":77}],"title":"MBSB Private Sector-i","description":"A personal financing plan which meet the needs of permanent employees of public listed companies, GLCs, state GLCs, multi-national corporations, education sector companies and its subsidiaries as listed by the Bank","nid":"2145","published":true,"path_alias":"personal-loan/mbsb/private-sector-i","apply_link":"","apply_button_text":"","min_amount":50000,"max_amount":250000,"min_tenure":2,"max_tenure":10,"min_age":21,"max_age":60,"min_income":5000,"min_financing":"RM50,000","max_financing":"RM250,000","min_loan_tenure":"2 years","max_loan_tenure":"10 years","islamic_conventional":null,"fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"8.25% p.a","approval_duration":"1 business day","debt_consolidation":"","processing_fee":"","stamp_duty":"","disbursement":"","annual_fee":"","other_fee":"","early_settlement":"None","late_payment_charges":"1% p.a. on the instalments amount in arrears and not compounded","other_penalty":"","employment_eligibility":"Permanent employees","guarantor_collateral_requirement":"Not required","age_requirement":"21 - 60 years old","minimum_salary":null,"linked_bank_account":"","buy_takaful_product":"Takaful coverage is optional","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
MBSB Private Sector-i FAQ
\r\n
What is the maximum amount you can finance?
Financing amount of up to RM250,000 for a maximum financing tenure of 10 years.
\r\n\r\n
The catch?
\r\n
Applicant must be a Malaysian citizen between the age of 21 to 60 to qualify. Applicant must not exceed the age of 60 at the end of the financing tenure.
\r\n
Applicant must be a permanent employee of public listed companies, Government Link-Companies (GLC), State Government Link-Companies (SGLC), multinational corporations (MNC), education sector companies and its subsidiaries as listed by the Bank.\r\n
Minimum monthly income of RM5,000 inclusive of gross salary, fixed allowances & other non-fixed income.
\r\n
Takaful protection is optional.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
No set-up fees need to be paid.
\r\n\r\nPenalties:\r\n
Late payment charges (During financing period, prior to maturity): Compensation (Ta’widh) will be charged at 1% p.a. on the instalments amount in arrears and not compounded.
\r\n
Late payment charges (Upon expiry of financing period, beyond the maturity): Compensation (Ta’widh) will be charged based on MBSB current rate which is equivalent to the Islamic Interbank Money Market (IIMM) Rate on the balance principal amount outstanding on the maturity date or the expiry of the Facility.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
\r\n
Thereafter, MBSB will require an average of 1 business day (not including Saturday, Sunday, and public holidays) before approval or disbursement.
\r\n
You are required to furnish the following documents for your loan application:
\r\n
\r\n
Copy of NRIC (front and back) with original Certified True Copy (CTC).
\r\n
3 months (most current) salary slips.
\r\n
3 months (most current) Current or Savings Account statements.
\r\n
Certification letter by your current Head of Department.
\r\n
Confirmation letter on retirement age.
\r\n
Form T228 (applicable for Sarawak government employee).
\r\n
Redemption letter for overlapping financing.
\r\n
\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying.
\r\n\r\n
If you are looking for other personal loans, you may also consider
Alliance Bank CashFirst Personal Loan has a flat interest rate starting from 6.88% p.a. The maximum tenure for this personal loan is 7 years. It also comes with a minimum income requirement of RM3,000.
With Standard Chartered Quick Cash EDGE, the personal loan comes with an fixed interest rate starting from 10.50% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM2,000.
AmBank Islamic Personal Financing-i has a flat interest rate starting from 4.30% p.a. The maximum tenure for this personal loan is 10 years. It also comes with a minimum income requirement of RM1,500.
"},{"id":78,"personalLoanBank":{"id":54,"bank":{"id":54,"logo":"uploads/logos/YIR.png","name":"Yayasan Ihsan Rakyat","description":"","path_alias":""},"title":"Yayasan Ihsan Rakyat","description":"","published":true,"path_alias":"","logo":"uploads/logos/YIR_eZ9euef.png"},"personal_loan_rates":[{"interest_format":"tenure","tenure_type":1,"amount":null,"interest_rate":6.5,"min_salary":null},{"interest_format":"tenure","tenure_type":2,"amount":null,"interest_rate":6.5,"min_salary":null},{"interest_format":"tenure","tenure_type":3,"amount":null,"interest_rate":6.5,"min_salary":null},{"interest_format":"tenure","tenure_type":4,"amount":null,"interest_rate":6.5,"min_salary":null}],"featured_highlight":[],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & Back"},{"title":"Payslip","description":"Latest 3 months"},{"title":"3 Months Bank Statement","description":"3 Months Bank Statement (Salary Credited)"},{"title":"Confirmation Letter","description":"Confirmation Letter"},{"title":"Angkasa Form (Blue Form) or Letter of authorization to deduct salary","description":"Angkasa Form (Blue Form) or Letter of authorization to deduct salary"}],"seo":[{"meta_title":"YIR Personal Financing","meta_description":"YIR offers unsecured Shariah compliant personal financing products exclusively for Malaysian civil servants. Profit rates of YIR products are calculated based on fixed rates and credit assessment.","og_title":"YIR Personal Financing","og_description":"YIR offers unsecured Shariah compliant personal financing products exclusively for Malaysian civil servants. Profit rates of YIR products are calculated based on fixed rates and credit assessment.","cannonical_url":"https://www.imoney.my/personal-loan/yayasan-ihsan-rakyat/yir-personal-financing","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":78}],"title":"YIR Personal Financing","description":"","nid":"2938","published":true,"path_alias":"personal-loan/yayasan-ihsan-rakyat/yir-personal-financing","apply_link":"","apply_button_text":"","min_amount":2500,"max_amount":150000,"min_tenure":1,"max_tenure":10,"min_age":20,"max_age":58,"min_income":1500,"min_financing":"2500","max_financing":"Up to RM150,000","min_loan_tenure":"1 Year","max_loan_tenure":"10 Years","islamic_conventional":null,"fast_approval":false,"government_only":true,"is_islamic":true,"interest_rate_text":"Fixed profit rate as low as 6.5% p.a , subject to individual income and risk profile","approval_duration":"2-3 Working Days","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"","other_penalty":"","employment_eligibility":"Sector A - AG / PDRM / UPM / UiTM","guarantor_collateral_requirement":"","age_requirement":"PDRM: Age 20 - 55 Others: Age 20 - 58","minimum_salary":null,"linked_bank_account":"","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Who is Yayasan Ihsan Rakyat (“YIR”)?
\r\n
YIR is a foundation with a company registration number 1003231-A limited by guarantee\r\nand incorporated under the Companies Act 2016. It is NOT a co-operative society under the\r\nCo-operative Societies Act 1993. YIR offers unsecured Shariah compliant personal financing products exclusively for Malaysian civil servants. Profit rates of YIR products are calculated based on fixed rates and credit assessment.
\r\n\r\n
Am I eligible to apply for YIR financing?
\r\n
You are eligible if you fulfill the following conditions:\r\n1. Working as a civil servant in Malaysia\r\n2. Malaysian citizen\r\n3. Aged 20-58. Maximum age for customers who are police officers is 55\r\n4. Permanent job with at least 6 months of service\r\n5. Minimum gross monthly income of RM1,500\r\n6. Not in bankruptcy process and/or a bankrupt\r\n7. Pass the credit score of YIR
\r\n\r\n
What are the documents or information required to apply for YIR financing?
\r\n
You will be required to provide:\r\n1. A photocopy of your Malaysian Identification Card (“IC”)\r\n2. A photocopy of your Police Identification Card, if applicable\r\n3. Certified true copies of recent 3 months payslips – certified by employer\r\n4. Recent bank statement (salary account / account to receive financing)\r\n5. Employment verification letter\r\n6. Option letter, if applicable\r\n7. Transfer letter / secondment letter, if applicable\r\n8. Settlement statement, if applicable
\r\n\r\n
Do I have to provide other personal information, e.g. credit reports?
\r\n
No. However, your consent to provide us access to your credit report is required in order to\r\nprocess your financing application. Your credit information will be used as part of our\r\nconsideration when offering our financing products.
\r\n\r\n
Is guarantor or collateral required?
\r\n
No guarantor or collateral is required for YIR personal financing products.
\r\n\r\n
Are the personal information I provided for my application secured?
\r\n
Your personal information are stored securely in accordance with our Terms of Use and\r\nPrivacy Notice. We keep, protect and process your personal data in a secured manner by\r\nmaintaining physical, electronic and procedural safeguards in compliance with the laws of\r\nMalaysia. In view of the Personal Data Protection Act 2010, we have taken steps to ensure\r\nthat we are in compliance with the Act. We will, as far as practicable, aim to prevent any\r\nunauthorised and/or unlawful processing of, and the accidental loss, destruction or damage\r\nto your personal data. Please refer to our website’s Terms & Conditions and Privacy Notice.
\r\n\r\n
Are YIR personal financing products Shariah compliant? What is the Shariah concept used?
\r\n
Yes, YIR personal financing products are Shariah compliant, certified by a Shariah advisory\r\nbody.\r\nThe Shariah concept used is Murabahah, which refers to a sale based on cost plus where\r\nacquisition cost with the seller’s (YIR) profit are disclosed to the purchaser (customer) at the\r\ntime of the contract.
\r\n\r\n
What is the profit rate for YIR financing products?
\r\n
The profit rate offered may be revised from time to time depending on our latest available\r\nproducts. Currently, our profit rate ranges from 6.50% p.a. to 9.99% p.a., which will be\r\noffered to you depending on your credit profile and financial behaviour. The profit rate will\r\nremain the same as stated in your agreement throughout the financing tenure.
\r\n\r\n
Is there any cash rebate offered for YIR personal financing applications?\r\n
\r\n
YIR personal financing applications do not offer any cash rebates, cash back or cash rewards.
\r\n\r\n
Is there any fee or advanced installment which I need to bear?
\r\n
All applicable fees will be deducted upfront from your original financing amount and include\r\nbut not limited to, processing fee, brokerage fee, stamp duty, administration charges,\r\nsubscription fee, and Sales and Services Tax (SST), where applicable. Advanced instalments,\r\nbetween 0 to 3 months instalments, will be dependent on the product offered to you based\r\non your credit profile and financial behaviour and will also be deducted upfront from your\r\noriginal financing amount. No legal fees or payments to third parties will be imposed after\r\nyou received your financing.
\r\n\r\n
Is there any insurance or Takaful coverage for my financing?
\r\n
There is no insurance or Takaful coverage for YIR financing products.
\r\n\r\n
What is the net financing amount that I will receive?
\r\n
The net financing amount is the amount after netting off all necessary fees and is dependent\r\non the product offered to you. This will be communicated clearly to you for your\r\nconsideration before your confirmation to proceed with the financing application during the akad process.
\r\n\r\n
What is akad?
\r\n
Akad is a promise between two parties whereby YIR offers customers to enter into a\r\npersonal financing transaction and the customer agrees to accept the offer. Customers must\r\nunderstand the questions and / or confirmations enquired during the akad process and\r\nprovide the appropriate responses. Acceptance or rejection of the offer by the customer\r\nmust be made clear before the agreement can be completed. All conversations during akad\r\nare recorded.
\r\n\r\n
When and how do I receive my financing?
\r\n
Your personal financing application will be processed within 2-3 working days, subject to\r\ncomplete documentation, employer verification and customer confirmation through akad.\r\nProceeds will be credited to your account through telegraphic transfer within 24 hours after\r\nyour application is approved.
\r\n\r\n
Will I be notified once my application is approved / rejected / cancelled?
\r\n
We will contact you for customer confirmation and verification (akad) during our application\r\nprocessing. You will be notified via email once your financing is transferred to your account\r\nafter your application is approved and you have accepted the offer during the akad process.\r\nFor this reason, your email must be provided.\r\nKindly note that YIR reserves the right of termination as detailed in Q21 below.\r\nTo receive an update on your current application status, kindly contact the Marketing\r\nRepresentative facilitating your application.
\r\n\r\n
How do I withdraw or cancel my application?
\r\n
Customer reserves the right to cancel the financing facility at any time before or after\r\ndisbursement:
\r\n
Before financing is disbursed
\r\n
You may withdraw or cancel your application by declining the offer and stating your desire\r\nto do so during the akad process. Otherwise, please contact the Marketing Representative\r\nfacilitating your application.
\r\n\r\n
After financing is disbursed
\r\n
You may only cancel or withdraw your application within 14 days from the date of\r\nagreement if the financing has been disbursed to you. The full debited financing amount\r\nmust be returned to YIR and a processing fee of RM250 will be charged.\r\nAfter 14 days from the date of agreement and disbursement, cancellation or withdrawal will\r\nconstitute as an early settlement. You will be required to pay YIR the Selling Price owed from\r\nthe financing facility and any rebates will be upon the sole discretion of YIR. Please refer Q26\r\nfor rebate calculation method.
\r\n\r\n
Why is my application rejected/facility terminated?
\r\n
Rejected applications before financing is disbursed
\r\n
Applications which do not meet the requirements as listed in Q3 may be disqualified.\r\nYour application may also be rejected depending on your credit profile, current financial\r\nsituation and commitment.
\r\n\r\n
Terminated facilities after financing is disbursed
\r\n
YIR reserves the right to terminate disbursed facilities and accelerate payment of the facility\r\nand/or demand full payment within fourteen (14) days of written notice if any of the\r\nfollowing events occur:\r\n1 - Default in paying any instalments or payments and/or other monies when due and\r\npayable\r\n2 - Presentation of a bankruptcy petition against the customer\r\n3 - If the customer has become mentally unsound or deceased\r\n4 - If any information provided by the customer is proven to be incorrect or misleading or\r\ncontain material omission of facts\r\n5 - If in the absolute opinion of YIR, the facility has not been operated satisfactorily\r\n6 - If legal proceedings, suit for action of any kind whatsoever be instituted against the\r\ncustomer.
\r\n\r\n
Where can I get assistance and redress?
\r\n
If you have any difficulties to fulfill your obligations or wish to submit a complaint on our\r\nproducts or services or need assistance, please contact our Customer Service Center at:\r\nWorking hours : Monday to Friday, 9.00 am – 6.00 pm\r\nTel : 03-4047 0888\r\nE-mail : mailto:pertanyaan@yir.com.my
"},{"id":79,"personalLoanBank":{"id":55,"bank":{"id":55,"logo":"uploads/logos/YYP.png","name":"Yayasan Dewan Perniagaan","description":"","path_alias":""},"title":"Yayasan Dewan Perniagaan","description":"","published":true,"path_alias":"","logo":"uploads/logos/YYP_dkcN8PT.png"},"personal_loan_rates":[{"interest_format":"tenure","tenure_type":1,"amount":null,"interest_rate":6.5,"min_salary":null},{"interest_format":"tenure","tenure_type":2,"amount":null,"interest_rate":6.5,"min_salary":null},{"interest_format":"tenure","tenure_type":3,"amount":null,"interest_rate":6.5,"min_salary":null},{"interest_format":"tenure","tenure_type":4,"amount":null,"interest_rate":6.5,"min_salary":null}],"featured_highlight":[],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & Back"},{"title":"Payslip","description":"Latest 3 months"},{"title":"3 Months Bank Statement","description":"3 Months Bank Statement (Salary Credited)"},{"title":"Confirmation Letter","description":"Confirmation Letter"},{"title":"Angkasa Form (Blue Form) or Letter of authorization to deduct salary","description":"Angkasa Form (Blue Form) or Letter of authorization to deduct salary"}],"seo":[{"meta_title":"","meta_description":"","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/yayasan-dewan-perniagaan/yyp-personal-financing","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":79}],"title":"YYP Personal Financing","description":"","nid":"1561112076","published":true,"path_alias":"personal-loan/yayasan-dewan-perniagaan/yyp-personal-financing","apply_link":"","apply_button_text":"","min_amount":2500,"max_amount":150000,"min_tenure":1,"max_tenure":10,"min_age":20,"max_age":58,"min_income":1500,"min_financing":"2500","max_financing":"150000","min_loan_tenure":"1","max_loan_tenure":"10","islamic_conventional":null,"fast_approval":false,"government_only":false,"is_islamic":true,"interest_rate_text":"Fixed profit rate as low as 6.5% p.a , subject to individual income and risk profile","approval_duration":"2-3 Working Days","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"","other_penalty":"","employment_eligibility":"Sector A - AG / PDRM / UPM / UiTM Sector B - State Sector C - Institute / Suruhanjaya / GLC Sector D - Majlis / Lembaga / Perbadanan / Universiti","guarantor_collateral_requirement":"","age_requirement":"PDRM: Age 20 - 55 Others: Age 20 - 58","minimum_salary":null,"linked_bank_account":"","buy_takaful_product":"","other_details":"","product_text":"","promo":false,"promo_text":"","promo_description":"","promo_image":null,"promo_button_text":"","promo_url":"","loan_score":0,"promo_featured_type":false,"sticky_featured_type":false,"min_salary":0,"apply_form_flow":"1","apply_form_category":"1","machine_name":"","body":"
Who is Yayasan Dewan Perniagaan Melayu Perlis Berhad (“YYP”)?
\r\n
YYP is a foundation with a company registration number 1003231-A limited by guarantee\r\nand incorporated under the Companies Act 2016. It is NOT a co-operative society under the\r\nCo-operative Societies Act 1993. YYP offers unsecured Shariah compliant personal financing products exclusively for Malaysian civil servants. Profit rates of YYP products are calculated based on fixed rates and credit assessment.
\r\n\r\n
Am I eligible to apply for YYP financing?
\r\n
You are eligible if you fulfill the following conditions:\r\n1. Working as a civil servant in Malaysia\r\n2. Malaysian citizen\r\n3. Aged 20-58. Maximum age for customers who are police officers is 55\r\n4. Permanent job with at least 6 months of service\r\n5. Minimum gross monthly income of RM1,500\r\n6. Not in bankruptcy process and/or a bankrupt\r\n7. Pass the credit score of YYP
\r\n\r\n
What are the documents or information required to apply for YYP financing?
\r\n
You will be required to provide:\r\n1. A photocopy of your Malaysian Identification Card (“IC”)\r\n2. A photocopy of your Police Identification Card, if applicable\r\n3. Certified true copies of recent 3 months payslips – certified by employer\r\n4. Recent bank statement (salary account / account to receive financing)\r\n5. Employment verification letter\r\n6. Option letter, if applicable\r\n7. Transfer letter / secondment letter, if applicable\r\n8. Settlement statement, if applicable
\r\n\r\n
Do I have to provide other personal information, e.g. credit reports?
\r\n
No. However, your consent to provide us access to your credit report is required in order to\r\nprocess your financing application. Your credit information will be used as part of our\r\nconsideration when offering our financing products.
\r\n\r\n
Is guarantor or collateral required?
\r\n
No guarantor or collateral is required for YYP personal financing products.
\r\n\r\n
Are the personal information I provided for my application secured?
\r\n
Your personal information are stored securely in accordance with our Terms of Use and\r\nPrivacy Notice. We keep, protect and process your personal data in a secured manner by\r\nmaintaining physical, electronic and procedural safeguards in compliance with the laws of\r\nMalaysia. In view of the Personal Data Protection Act 2010, we have taken steps to ensure\r\nthat we are in compliance with the Act. We will, as far as practicable, aim to prevent any\r\nunauthorised and/or unlawful processing of, and the accidental loss, destruction or damage\r\nto your personal data. Please refer to our website’s Terms & Conditions and Privacy Notice.
\r\n\r\n
Are YYP personal financing products Shariah compliant? What is the Shariah concept used?
\r\n
Yes, YYP personal financing products are Shariah compliant, certified by a Shariah advisory\r\nbody.\r\nThe Shariah concept used is Murabahah, which refers to a sale based on cost plus where\r\nacquisition cost with the seller’s (YYP) profit are disclosed to the purchaser (customer) at the\r\ntime of the contract.
\r\n\r\n
What is the profit rate for YYP financing products?
\r\n
The profit rate offered may be revised from time to time depending on our latest available\r\nproducts. Currently, our profit rate ranges from 6.50% p.a. to 9.99% p.a., which will be\r\noffered to you depending on your credit profile and financial behavior. The profit rate will\r\nremain the same as stated in your agreement throughout the financing tenure.
\r\n\r\n
Is there any cash rebate offered for YYP personal financing applications?\r\n
\r\n
YYP personal financing applications do not offer any cash rebates, cash back or cash rewards.
\r\n\r\n
Is there any fee or advanced installment which I need to bear?
\r\n
All applicable fees will be deducted upfront from your original financing amount and include\r\nbut not limited to, processing fee, brokerage fee, stamp duty, administration charges,\r\nsubscription fee, and Sales and Services Tax (SST), where applicable. Advanced instalments,\r\nbetween 0 to 3 months instalments, will be dependent on the product offered to you based\r\non your credit profile and financial behaviour and will also be deducted upfront from your\r\noriginal financing amount. No legal fees or payments to third parties will be imposed after\r\nyou received your financing.
\r\n\r\n
Is there any insurance or Takaful coverage for my financing?
\r\n
There is no insurance or Takaful coverage for YYP financing products.
\r\n\r\n
What is the net financing amount that I will receive?
\r\n
The net financing amount is the amount after netting off all necessary fees and is dependent\r\non the product offered to you. This will be communicated clearly to you for your\r\nconsideration before your confirmation to proceed with the financing application during the akad process.
\r\n\r\n
What is akad?
\r\n
Akad is a promise between two parties whereby YYP offers customers to enter into a\r\npersonal financing transaction and the customer agrees to accept the offer. Customers must\r\nunderstand the questions and / or confirmations inquired during the akad process and\r\nprovide the appropriate responses. Acceptance or rejection of the offer by the customer\r\nmust be made clear before the agreement can be completed. All conversations during akad\r\nare recorded.
\r\n\r\n
When and how do I receive my financing?
\r\n
Your personal financing application will be processed within 2-3 working days, subject to\r\ncomplete documentation, employer verification and customer confirmation through akad.\r\nProceeds will be credited to your account through telegraphic transfer within 24 hours after\r\nyour application is approved.
\r\n\r\n
Will I be notified once my application is approved / rejected / cancelled?
\r\n
We will contact you for customer confirmation and verification (akad) during our application\r\nprocessing. You will be notified via email once your financing is transferred to your account\r\nafter your application is approved and you have accepted the offer during the akad process.\r\nFor this reason, your email must be provided.\r\nKindly note that YYP reserves the right of termination as detailed in Q21 below.\r\nTo receive an update on your current application status, kindly contact the Marketing\r\nRepresentative facilitating your application.
\r\n\r\n
How do I withdraw or cancel my application?
\r\n
Customer reserves the right to cancel the financing facility at any time before or after\r\ndisbursement:
\r\n
Before financing is disbursed
\r\n
You may withdraw or cancel your application by declining the offer and stating your desire\r\nto do so during the akad process. Otherwise, please contact the Marketing Representative\r\nfacilitating your application.
\r\n\r\n
After financing is disbursed
\r\n
You may only cancel or withdraw your application within 14 days from the date of\r\nagreement if the financing has been disbursed to you. The full debited financing amount\r\nmust be returned to YYP and a processing fee of RM250 will be charged.\r\nAfter 14 days from the date of agreement and disbursement, cancellation or withdrawal will\r\nconstitute as an early settlement. You will be required to pay YYP the Selling Price owed from\r\nthe financing facility and any rebates will be upon the sole discretion of YYP. Please refer Q26\r\nfor rebate calculation method.
\r\n\r\n
Why is my application rejected/facility terminated?
\r\n
Rejected applications before financing is disbursed
\r\n
Applications which do not meet the requirements as listed in Q3 may be disqualified.\r\nYour application may also be rejected depending on your credit profile, current financial\r\nsituation and commitment.
\r\n\r\n
Terminated facilities after financing is disbursed
\r\n
YYP reserves the right to terminate disbursed facilities and accelerate payment of the facility\r\nand/or demand full payment within fourteen (14) days of written notice if any of the\r\nfollowing events occur:\r\n1 - Default in paying any instalments or payments and/or other monies when due and\r\npayable\r\n2 - Presentation of a bankruptcy petition against the customer\r\n3 - If the customer has become mentally unsound or deceased\r\n4 - If any information provided by the customer is proven to be incorrect or misleading or\r\ncontain material omission of facts\r\n5 - If in the absolute opinion of YYP, the facility has not been operated satisfactorily\r\n6 - If legal proceedings, suit for action of any kind whatsoever be instituted against the\r\ncustomer.
\r\n\r\n
Where can I get assistance and redress?
\r\n
If you have any difficulties to fulfill your obligations or wish to submit a complaint on our\r\nproducts or services or need assistance, please contact our Customer Service Center at:\r\nWorking hours : Monday to Friday, 9.00 am – 6.00 pm\r\nTel : 03-4047 0888\r\nE-mail : pertanyaan@yyp.com.my
"}],"featuredProducts":[{"id":46,"personalLoanBank":{"id":34,"bank":{"id":29,"logo":"uploads/my/logos/rhb.png","name":"RHB","description":"","path_alias":""},"title":"RHB","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/rhb.png"},"personal_loan_rates":[{"interest_format":"amount_tenure","tenure_type":1,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":2000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":15000,"interest_rate":13.45,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":16000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":50000,"interest_rate":11.66,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":51000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":3,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":4,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":5,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":6,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":7,"amount":99000,"interest_rate":9.91,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":1,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenure","tenure_type":2,"amount":100000,"interest_rate":8.18,"min_salary":null},{"interest_format":"amount_tenu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Approval within 24 hours"},{"id":133,"text":"Approved financing amount of up to RM150,000"},{"id":134,"text":"Affordable monthly repayment plan"},{"id":135,"text":"Get your loan disbursement at any nearest RHB branch nationwide"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"1 month (salaried) or 6 months (commission earner)"},{"title":"EPF statement","description":"Latest 12 months"}],"seo":[{"meta_title":"RHB Easy Personal Loan - Instant Approval Process","meta_description":"Short on cash? Easy-Pinjaman Peribadi is a low-income personal loan for Malaysians with an interest rate as low as 8.18% p.a. 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RHB Easy-Pinjaman Ekspres FAQ
\r\n
What is the maximum amount you can borrow?
Borrowable amount of up to RM150,000 for a maximum financing tenure of 7 years for income above RM10,000. Note that the maximum financing tenure for income below RM10,000 will be 5 years.
\r\n\r\n
The catch?
\r\n
Applicant must be between the age 21 to 55 above to qualify.
\r\n
Applicant must be a Malaysian citizen employed as an employee of a private sector organization, or self-employed with a minimum gross salary of RM1,500 per month.
\r\n
Opening of a linked bank account is compulsory.
\r\n\r\n
What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
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.
\r\n\r\nRecurring payments:\r\n
Monthly repayment comprising principal amount and interest charge via standing instruction deduction.
\r\n\r\nFor financing amount of RM2,000 – RM10,000, from 12-60 months:\r\n
Fixed interest rate of 13.45% per annum throughout the entire financing tenure.
\r\n\r\nFor financing amount of RM11,000 – RM50,000, from 12-84 months:\r\n
Fixed interest rate of 13.45% per annum throughout the entire financing tenure.
\r\n\r\nFor financing amount of RM51,000 – RM99,000, from 12-84 months:\r\n
Fixed interest rate of 9.91% per annum throughout the entire financing tenure.
\r\n\r\nFor financing amount of RM100,000 – RM150,000 from 12-84 months:\r\n
Fixed interest rate of 8.18% per annum throughout the entire financing tenure.
\r\n\r\nPenalties:\r\n
Early settlement penalty of RM200 for settlement within 6 months from the date of financing approval.
\r\n
Late payment charges of 1% on outstanding financing amount. Late payment charges will increase your total outstanding financing amount.
\r\n\r\n
How long will the application take and what documentations are required?
\r\n
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!
\r\n\r\n
However, to be on the safe side, do bring along the following documents with you as well!
\r\n\r\n
If you are a salaried employee, please prepare the following:
\r\n
Latest payment slip
\r\n
Most current EPF Statement with latest 18 months contribution
\r\n
Latest bank saving account passbook or current/savings account statement
\r\n\r\n
If you are self-employed, please prepare the following:
\r\n
Business Registration Certificate (must be at least 2 years in business)
\r\n
Latest 6 months' bank statement
\r\n
Most recent Form B/BE from LHDN
\r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
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.
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
The personal loan rate for Hong Leong Islamic Personal Financing-I starts from 12% p.a. It has a maximum tenure of 5 years. The personal loan also comes with a minimum income requirement of RM2,000.
With UOB Personal Loan, the personal loan comes with an fixed interest rate starting from 9.99% p.a. This personal loan has a maximum tenure of 5 years. It also comes with a minimum income requirement of RM2,000.
Maybank Islamic Personal Financing-i has a flat interest rate starting from 7% p.a. The maximum tenure for this personal loan is 6 years. It also comes with a minimum income requirement of RM2,500.
","productInterestRate":"11.66","monthlyRepayment":"1125","totalAmountPayable":"40494","totalInterestPayable":"10494"},{"id":55,"personalLoanBank":{"id":41,"bank":{"id":14,"logo":"uploads/my/logos/alliance-bank-logo.jpg","name":"Alliance Bank","description":"","path_alias":""},"title":"Alliance Bank","description":"","published":true,"path_alias":"","logo":"uploads/my/logos/alliance-bank-logo.jpg"},"personal_loan_rates":[{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":15.28,"min_salary":3000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":11.28,"min_salary":4000},{"interest_format":"income","tenure_type":null,"amount":null,"interest_rate":5.33,"min_salary":5000}],"featured_highlight":[{"id":160,"text":"Consolidate your commitments from Credit Card,Personal Loan,Home Loan or Car Loan into ONE single monthly repayment"},{"id":161,"text":"Get 40% cashback from your loan interest rate"},{"id":162,"text":"Approved loan amount of up to RM200,000"},{"id":163,"text":"Fixed interest rate as low as 5.33% per annum (Flat)"}],"additional_product_features":[],"additional_fees_charges":[],"additional_eligibility":[],"additional_document":[{"title":"Application form","description":"Alliance CashFirst"},{"title":"NRIC","description":"Front & back"},{"title":"Salary slip","description":"1 month (fixed income) or 3 months (variable income)"}],"seo":[{"meta_title":"Alliance Bank CashFirst Personal Loan - Lower Yearly Rates","meta_description":"Alliance Bank CashFirst is the best personal loan in Malaysia with 5.33% p.a. interest rates! Calculate your monthly repayments with iMoney.my","og_title":"","og_description":"","cannonical_url":"https://www.imoney.my/personal-loan/alliance-bank/cashfirst-personal-loan","shortlink_url":"","show_robots_tag":true,"follow":false,"index":false,"object_id":55}],"title":"Alliance Bank CashFirst Personal Loan","description":"","nid":"127","published":true,"path_alias":"personal-loan/alliance-bank/cashfirst-personal-loan","apply_link":"http://offers.imoney.my/campaign/personal-loan/alliance?src=listing_page_eng","apply_button_text":"","min_amount":5000,"max_amount":200000,"min_tenure":1,"max_tenure":7,"min_age":21,"max_age":60,"min_income":3000,"min_financing":"RM5,000","max_financing":"Up to 7x monthly salary or up to RM200,000","min_loan_tenure":"1 year","max_loan_tenure":"7 years","islamic_conventional":"Conventional","fast_approval":false,"government_only":false,"is_islamic":false,"interest_rate_text":"Fixed rate as low as 5.33% p.a (Flat), subject to individual income and risk profile","approval_duration":"Up to 48 hours","debt_consolidation":"Yes","processing_fee":"N/A","stamp_duty":"0.5% of loan amount","disbursement":"N/A","annual_fee":"","other_fee":"","early_settlement":"N/A","late_payment_charges":"1% p.a. on outstanding loan amount","other_penalty":"","employment_eligibility":"Salaried, self employed, commission earner","guarantor_collateral_requirement":"","age_requirement":"21 - 60 years old","minimum_salary":null,"linked_bank_account":"No","buy_takaful_product":"","other_details":"Must have existing credit commitment for at least 12 months","product_text":"Enjoy Same Day Cash","promo":true,"promo_text":"Get 40% cashback from 1 Dec - 31 Mar 2020 with fixed interest rate from as low as 5.33% p.a","promo_description":"Eligible customers must pay monthly instalment amount on or before the due date during the entire loan tenure","promo_image":"uploads/logos/Artboard_1_copy_cha7ElT.png","promo_button_text":"","promo_url":"","loan_score":300,"promo_featured_type":false,"sticky_featured_type":true,"min_salary":0,"apply_form_flow":"1","apply_form_category":"2","machine_name":"","body":"
Overview
\r\n
Alliance Bank CashFirst Personal Loan gives you the financial support to reduce your debts with other banks by consolidating all your loans into one, for personal use or business use. If your purpose of applying this loan is for debt consolidation, you are allowed to consolidate up to a maximum of 4 Credit Cards and/or Personal Loans commitments into ONE single monthly repayment. When you apply for this personal loan you will indulge great fixed interest rate of 8.88% to 15.28% per annum (Flat) with a faster approval within 7 working days. The minimum loan amount to be applied is RM5,000 and the maximum up to RM200,000 for a minimum loan tenure of 1 year and maximum of 7 years.
\r\n
You will have the opportunity to enjoy low monthly instalments and FREE from processing fees, early settlement penalty and there is NO guarantor or collateral required. One-Time payment of 0.5% of loan amount will be charged as stamp duty fee and late payment charges of 1% per annum on outstanding loan amount will be charged to you if you failed to make your monthly payments on time. Furthermore, you must be in the age between 21 and 60 years old with a minimum gross income of RM3,000 per month in order for you to be eligible to apply for Alliance Bank CashFirst Personal Loan. The most important thing to avoid the high possibilities of loan rejection is to make sure that you do not have overdue payments with other banks for any loan or credit card and have no issues with your CTOS and CCRIS. Having a good credit history and good credit record on your CTOS and CCRIS will increase higher chance of loan approval.
\r\n\r\n
Alliance Bank Personal Loan
\r\n
What is the maximum amount of money that you can loan from the bank?
You are allowed to borrow up to four times the amount of your fixed monthly gross income or RM 200,000.
\r\n\r\n
So what are the Terms & Conditions?
\r\n
To be qualified for the Alliance Bank Personal Loan, you must be in the age between 21 and 60. On top of that, you cannot exceed the age of 60 years before the end of the loan tenure.
\r\n
This Alliance Bank Personal Loan only provides credit facilities to Malaysian citizen or permanent resident working and residing in Malaysia with a minimum gross income of RM3,000 per month. However, Malaysian citizens working in Singapore but is residing in Malaysia will be considered.
\r\n\r\n
So what else do I need to pay on top of the loan amount?
\r\n
There is a one time set-up fee:
\r\n
Stamp duty of 0.5% on loan amount will be deducted upfront before loan disbursement. For example, if you borrow RM10,000, you need to pay RM55 for the stamp duty.
Fixed profit rate ranging from 8.88% to 10.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\n
For customers with medium risk level profile:
\r\n
Fixed profit rate ranging from 11.28% to 12.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\n
For customers with high risk profile:
\r\n
Fixed profit rate ranging from 15.28% per annum (Flat) throughout the entire financing tenure.
\r\n\r\nThe Personal Loan interest rate is based on individual risk rating. Having a higher salary lowers your risk rating as it reflects that you are less likely to default in your financial obligations (or conditions) of a loan.\r\n\r\n
What are the penalties for late payment or early settlement?:\r\n
Late payment charges of 1% on outstanding loan amount will be imposed. With these late payment charges, your total outstanding loan amount will increase.
\r\n
No early settlement penalty imposed if you provide Alliance Bank with:
\r\n-3 months advance notice in writing, OR\r\n-Payment equivalent to 3 month’s interest charge in lieu of advance notice \r\n\r\n\r\n
How long will the application take and what documentations are required?
\r\n
Upon completing an application with iMoney, our representative will be contacting you within the same business day to confirm your application.
\r\n
Thereafter, Alliance Bank will require an average of 7 business days (not including Saturday, Sunday, and public holidays) before the approval or disbursement.\r\n
\r\n
You are required to furnish the following documents for your loan application:
\r\n\r\nEmployee of MNC:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - 1 month latest salary slip (fixed income) OR 3 months latest salary slips (variable income) \r\n - EA Form (most current) \r\n - Latest EPF Statement with 13 months contribution \r\n - BE Form with validated payment slip/receipt to LHDN \r\n
\r\n\r\nEmployee of non-MNC or private limited company:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - Latest 3 months salary slips (with supporting bank statement) \r\n - Latest EPF Statement with 13 months contribution \r\n - BE Form with validated payment slip/receipt to LHDN\r\n
\r\n\r\nSelf-employed applicants:\r\n
\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n
Copy of current and valid Business Registration Card (business must be at least 2 years)
\r\n - Latest 6 months salary slips OR latest 6 months principal bank statement \r\n - Latest 13 months (most current) EPF Statement \r\n - B Form with validated payment slip/receipt to LHDN\r\n
\r\n\r\nApplicants earning commission:\r\n
Copy of NRIC (front and back)
\r\n
Any of the documents below (choose one):
\r\n - Latest 6 months salary slip/ commission statement / payment voucher verified against bank statements \r\n\r\n
Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
\r\n
The answer is No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your loans on time for another three months before reapplying. Learn more about credit information from Credit Bureau Malaysia.\r\n
\r\n\r\n \r\n
If you are looking for other personal loans, you may also consider
With CIMB Bank Cash Plus Personal Loan , the personal loan comes with a fixed interest rate that starts from 8.20% p.a. This personal loan has a maximum tenure of 5 years and comes with a minimum income requirement of only RM2,000.
Al Rajhi Bank Personal Financing-I has a flat interest rate starting from 6.99% p.a. The maximum tenure for this personal loan is 8 years and comes with a minimum income requirement of only RM4,500.
Want to compare other banks before making your decision? We understand where you're coming from. Just head over to our comparison page to compare which of the many personal loans available in the market suits you the best.
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Kuwait Finance House Personal Financing-i FAQ
\r\n
What is the maximum allowable financing amounts?
\r\n
Financing amount of up to 10x your monthly gross salary or up to RM250,000 for a maximum tenure of 10 years
\r\n\r\n
The catch?
\r\n
Applicant must be at least 21 years. Max age depending on age and financing tenure
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An employee of a private sector with a minimum gross salary of RM3,000 per month*
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Group Credit Term Takaful (GCTT) is required to be taken up by the customer
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What will it cost you and how will you be charged?
\r\nOne time set-up fee:\r\n
Stamp duty of 0.5% on financing amount to be deducted upfront before financing disbursement (as per Stamp Duty Act 1989).
\r\n\r\nRecurring payments:\r\n
Monthly payment comprising principal amount and profit charge. For financing tenure of 2 - 10 years, the profit rate ranging from 6% per annum
\r\n\r\nLate penalty charge:\r\n
1% from current outstanding amount
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How long is the application approval process and what are the documents required?
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Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.
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Thereafter, KFH Bank will require an average of three business days (not including Saturdays, Sundays, and public holidays) before approval or disbursement.
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You are required to furnish the following documents for your financing application:
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Copy of NRIC (front and back)
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3 months (most current) salary slips
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EPF statement (most current)
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Other documents on case to case basis
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Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?
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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.
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If you are looking for other personal loans, you may also consider
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.
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.
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.
Interest Rate:
10.99%
p.a Total Interest payable:RM 9,891
Monthly Repayment:
RM 1,108 Total amount payable:
RM 39,891
Key Features
Approved loan amount of up to RM100,000
Fixed interest rate starting at 0.83% per month
No guarantor or collateral required
Product Features
Up to 7 business days
Approval Duration
RM 5,000
Min. Loan Amount
RM 100,000
Max. Loan Amount
Other Product Features
Interest Rate
Fixed rate of 9.99% – 11.99% per annum
Debt Consolidation
No
Min.Loan Tenure
1 years
Max.Loan Tenure
5 years
Fees and Charges
N/A
Processing Fee
0.5% on loan amount
Stamp Duty
Other Fees and Charges
Disbursement & misc. fee
N/A
Early Settlement
3% on outstanding loan amount or RM300, whichever is higher
Late Payment Charges
1% on outstanding loan amount or RM10 per day, whichever is higher
Eligibility
RM 2,000 gross per month
Min. Monthly Income
21 - 55
Age Requirement
Guarantor / Collateral Requirement
N/A
Need to open linked bank account?
No
UOB Personal Loan
Apply Now
Product Review by
Overview
UOB Personal Loan is an unsecured personal loan up to 5 years for Government servants, employees of private sector organizations, and self-employed individuals and it is mainly focused for those who prefer to apply with a minimum loan amount of RM5,000 up to maximum RM100,000. You will stand a chance to enjoy a fixed interest rate from 9.99% up to 11.99% per annum depending on your loan amount. To be able to apply for the UOB personal loan, you must be at least 21 years old up to 55 years old. You can take up UOB Personal Loan with minimum loan tenure of 1 year up to 5 years and it is a hassle free application because there is no guarantor or collateral needed.
If you are a salaried employee and is planning to take up the UOB personal loan, you will need to prepare documents such as a clear copy of your NRIC (front and back), copy of latest bank statement OR the first page of your passport, latest 1 month salary slip OR latest 3 months salary slips, OR latest EA form, OR latest 6 months EPF statement, OR BE form with validated payment slip/receipt. Other than that, if you are a self-employed applicant then you will need to prepare a clear copy of your NRIC (front and back), latest B/BE form with tax payment receipt attached, latest 3 months bank statements showing salary credit transactions and Form 9,24, or 49 OR Business Registration Certificate. You must also have a good credit record (CTOS/CCRIS) to be eligible for this and if you have some overdue payments then you will need to settle off all those payments.
UOB Personal Loan FAQ
What is the maximum amount you can borrow?
Borrowable amount of up to RM100,000 (salaried) or up to RM50,000 (self-employed) for a maximum loan 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 private sector organization, or self-employed with a minimum gross salary of RM2,000 per month (salaried) or RM3,000 per month (self-employed).
What will it cost you and how will you be charged?
One time set-up fee:
Stamp duty of 0.5% on loan amount deducted upfront before loan disbursement. No other set-up fees need to be paid.
Recurring payments:
Monthly repayment comprising principal amount and interest charge via monthly salary deduction.
For monthly gross salary of RM2,000 – RM3,999 (salaried) / RM3,000 – RM5,999 (self-employed):
Fixed interest rate of 11.99% per annum (1.00% per month) throughout the entire loan tenure.
For monthly gross salary of RM4,000 – RM6,999 (salaried) / RM6,000 – RM7,999 (self-employed):
Fixed interest rate of 10.99% per annum (0.92% per month) throughout the entire loan tenure.
For monthly gross salary of RM7,000 and above (salaried) / RM8,000 and above (self-employed):
Fixed interest rate of 9.99% per annum (0.83% per month) throughout the entire loan tenure.
Penalties:
Early settlement penalty of a sum equivalent to 3% of outstanding loan amount or RM300, whichever is higher.
Late payment charges of 1% on outstanding loan amount or RM10 per day, whichever is higher. Late payment charges will increase your total outstanding loan 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.
Thereafter, UOB will require an average of seven business days (not including Saturday, Sunday, and public holidays) before approval or disbursement.
You are required to furnish the following documents for your loan application:
BE Form with validated payment slip/receipt (most current)
Self-employed applicant:
Copy of NRIC (front and back)
B/BE form with tax payment receipt attached (most current)
3 months (most current) bank statements showing salary credit transactions
Form 9, 24, or 49 OR Business Registration Certificate
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 loans on time for another three months before reapplying.
If you are looking for other personal loans, you may also consider
Hong Leong Personal Loan has a flat interest rate starting from 12% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM2,000.
With Maybank Islamic Personal Financing-i, the personal loan comes with an fixed interest rate starting from 9% p.a. This personal loan has a maximum tenure of 6 years. It also comes with a minimum income requirement of RM2,500.
The personal loan rate for Alliance Bank CashFirst Personal Loan starts from 8.88% p.a. It has a maximum tenure of 7 years. The personal loan also comes with a minimum income requirement of RM2,000.