RM
year(s)
RM
- You Pay
- RM 89 /mth
- Interest Rate
- Total Interest Payable
- RM 70
- Total Repayment
- RM 1,070
UOB Personal Loan
-
- Interest Rate
- 9.99% p.a. ~ 11.99% p.a.
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- Max. Loan Amount
- RM 100,000
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- Approval Duration
- Up to 7 business days
Calculate your loan repayment instantly
Key Features
Approved loan amount of up to RM100,000
Fixed interest rate starting at 0.83% per month
No Processing Fee, No Guarantor and No Collateral
More details
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Features- Approval Duration
- Up to 7 business days
- Min. Loan Amount
- RM 5,000
- Max. Loan Amount
- RM 100,000
Other features
- Maximum Loan Tenure
- 5 years
- Debt Consolidation
- No
- Early Settlement
- 3% on outstanding loan amount or RM300, whichever is higher
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Eligibility/Documents- Age Requirement
- 21-55 years old
- Min. Monthly Salary
- RM 2,000
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Fees and charges- Processing Fees
- Free
- Stamp Duty
- 0.5% on loan amount
Other Fees and charges
- Late Payment Charges
- 1% on outstanding loan amount
Prefer to talk to our customer care agents?
How do you apply for a personal loan online?
Step 1
Use our personal loan calculator to find the best personal loan based on your requirements and eligibility.
Step 2
Select the best product that fits your requirements from the list of recommended personal loan products listed and click on the Apply button.
Step 3
Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application.
Read more about Personal Loan
Review by iMoney
UOB Personal Loan is catered for Malaysians only and has a fast approval and an easy application process, this loan offers a high financing amount of up to RM 100,000 and maximum loan tenure of 5 years
Best for: Salaried employees or self-employed people to fund their personal finances such as child’s education
Pros:
- Loan amount of RM100,000
- Fast approval (within 5 days)
- No collaterals and guarantors required
- No processing fees
- Affordable interest rate (starts from 0.83%/month)
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Below are the details of Interest Rates for this loan:
Salaried Worker
Self-employed
Interest Rate
RM2,000 - RM3,999
RM3,000 - 5,999
11.99% p.a.
RM4,000 - RM6,999
RM6,000 - RM7,999
10.99% p.a.
RM7,000 & more
RM8,000 & more
9.99% p.a.
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Flexible repayment tenure of 12, 18, 24, 30, 36, 42, 48, 54 and 60 months.
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- Must be a Malaysian citizen
- Between ages 21 -55 years old
- Minimum income of RM 2,000 per month for salaried employees
- Minimum income of RM 3,000 per month for self-employed
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Starts from 0.83%/month.
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No, foreigners may not apply for this loan. Only Malaysians are eligible to apply for this loan.
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The approval duration for this loan is up to seven (7) business days.
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As with any financing, you will have to make monthly repayment, which consists of principal amount and a profit charge.
Use our personal loan calculator above to estimate your monthly repayment.
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You can use the UOB Personal Internet Banking by following the steps below:
Step 1: Login to your 'UOB Personal Internet Banking Account'
Step 2: Select 'Payment & Transfer' followed by 'Payment' and 'Own Credit Card'
Step 3: Select your preferred card; click 'Pay' and follow the simple steps on screen.
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Below are the details of Fees and Charges for this loan:
Processing Fee
Free
Stamp Duty
0.5% on loan amount
As per the Stamp Duty Act 1949 (Revised 1989)Late Payment Charges
1% on outstanding loan amount
Early Settlement Fee
3% on total balance outstanding (principal + interest) or minimum RM300, whichever is higher
Interbank GIRO (IBG) Fee
RM2.00 will be deducted from loan amount (if funds are disbursed to non-UOB Malaysia savings/current account)
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Yes you may. There will be a charge of 3% for Early Settlement Fee on total balance outstanding (principal + interest), subject to a minimum of RM300, whichever is higher.
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Below are the required documents for this loan:
Salaried Employee
Self-employed
With Income Documents
- Copy of I.C (front & back)/Passport
- Latest 3 months Pay Slip
- Latest Form B/BE (with copy of tax payment receipt),
OR
- Latest 3 months Bank Statements (show salary credit transaction),
OR
- EPF Statements (last 12 months)
- Copy of I.C. (front & back)/ Passport
- Latest Form B/ BE (with copy of tax payment receipt)
- Latest 3 months Bank
- Statements (show salary
- credit transaction)
- Business Registration
- Certificate Form 9/24/49
- (2 years in same business)
With Other banks’ Credit/Charge Cards*
- Copy of I.C. (front & back)/ Passport
- Either one of the following:
- Salaried applicant - one month payslip, latest Form BE, latest EPF form, bank statement (where salary is credited)
- Self employed applicant - Form B and tax receipt, bank statement, audited P&L account
*Principal Cardmember who has been holding the Card for more than 1 year. The Card must be issued in Malaysia.
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If you want to read the full Terms and Condition or get the Disclosure Sheet for this loan, please use the links below:
- Personal Loan Terms and Conditions: English and Bahasa Malaysia
- Product Disclosure Sheet
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We encourage you to set both your company’s and your personal credit track record in check before applying – in order to increase your chances of approval as well as getting better rates.
Check your iMoney CreditScore for free to find out how your credit health is.
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Standard Chartered Quick Cash EDGE
The Standard Chartered Quick Cash EDGE is based on a fixed interest rate (flat) starting from 0.583% per month and has a loan amount that can be as low as RM3,000 and up to RM250,000 with a maximum loan tenure of 7 years.