Bank Personal Loans
Finding the right personal loan doesn’t have to be complicated. With competitive interest rates, flexible repayment plans, and quick approval, bank personal loans offer a smart way to manage your finances. Whether you’re consolidating debt, renovating your home, or covering unexpected costs, there’s a solution that fits. Start your application today and take the first step toward financial peace of mind.
Alliance Bank
Alliance Bank offers CashFirst Personal Loan/Financing with interest/profit rates starting as low as 4.99% p.a. for short tenures. Customers can borrow between RM5,000 and RM200,000, with repayment periods of up to 7 years. Approval and disbursement are fast, often within 24 hours, and there are no processing fees, collateral, or guarantor required. This makes it a flexible option for Malaysians aged 21–60 with a minimum monthly income of RM3,000.
UOB Bank
UOB Bank’s personal loan provides financing from RM5,000 up to RM150,000, with repayment tenures of up to 5 years. Interest rates can be as low as 3.99% p.a., though typical rates range between 9.99%–11.99% p.a. depending on income level. The loan requires no processing fee, guarantor, or collateral, and approval is relatively quick. Applicants must be Malaysians aged 21–55 with a minimum annual income of RM36,000.
RHB
RHB Personal Financing offers up to RM150,000 for private sector applicants and up to RM300,000 for civil servants or pensioners. Interest/profit rates vary, starting from 5.02% p.a. (flat rate equivalent ~2.63% p.a. for Islamic financing). Tenures range from 7 to 10 years, with instant approval possible within minutes. RHB also allows debt consolidation, making it suitable for those managing multiple commitments.
Kuwait Finance House (KFH)
KFH offers Murabahah Personal Financing-i, primarily tailored for government employees and selected GLC staff. Financing amounts can reach up to RM250,000, with tenures between 2 and 10 years. Profit rates are fixed from 4.50% p.a., ensuring stable monthly payments unaffected by OPR changes. Repayment is typically via salary deduction through Biro Angkasa, and financing is fully Shariah-compliant with takaful coverage included. However, note that new applications are currently limited or discontinued in Malaysia.
Bank Islam
Bank Islam’s Personal Financing-i offers packages for government and private sector employees, with financing amounts from RM10,000 up to RM400,000. Tenures can extend to 10 years or until retirement age. Rates are tied to the Standardised Base Rate (SBR), currently at 2.75% p.a., with effective profit rates around 5.00%–5.35% p.a. (with takaful). The financing requires no guarantor, deposit, or processing fee, and is fully Shariah-compliant.
AgroBank
AgroBank provides Personal Financing-i tailored for government employees, private sector staff, and pensioners. Financing amounts can go up to RM200,000, with repayment tenures of up to 10 years. Profit rates are competitive and fully Shariah-compliant, with repayment often facilitated through salary deductions. AgroBank emphasizes accessibility for rural and agricultural communities, making it a strong option for those in related sectors.
OCBC
OCBC Bank offers personal loans with amounts ranging from RM5,000 to RM150,000, with flexible repayment periods of up to 5 years. Interest rates start from 4.99% p.a., depending on tenure and applicant profile. The loan requires no collateral or guarantor, and approval is typically fast. OCBC’s personal loan is designed for salaried employees with a minimum annual income of RM24,000.
BSN
Bank Simpanan Nasional (BSN) provides BSN MyRinggit Personal Financing-i, available for government servants, GLC employees, and selected private sector staff. Financing can reach up to RM200,000, with tenures of up to 10 years. Profit rates are fixed, ensuring predictable monthly payments. Repayment is often via salary deduction, and the product is fully Shariah-compliant.
Al-Rajhi
Al-Rajhi Bank offers Personal Financing-i based on Shariah principles, with financing amounts up to RM150,000 and repayment tenures of up to 8 years. Profit rates are competitive, starting from around 4.99% p.a., and repayment is flexible. The loan is available to both government and private sector employees, with no guarantor required.
HSBC
HSBC Personal Loan provides financing from RM6,000 up to RM150,000, with repayment tenures of 2 to 7 years. Interest rates start from 4.88% p.a., depending on tenure and applicant profile. The loan requires no collateral or guarantor, and approval is quick. HSBC also offers debt consolidation options, making it suitable for managing multiple commitments.
Hong Leong Bank
Hong Leong Bank offers personal loans with financing amounts between RM5,000 and RM250,000, with repayment tenures of up to 7 years. Interest rates start from 4.99% p.a., and approval is fast, often within 48 hours. The loan requires no guarantor or collateral, and repayment is flexible.
Citibank
Citibank Personal Loan provides financing from RM5,000 up to RM150,000, with repayment tenures of 2 to 5 years. Interest rates start from 4.88% p.a., depending on tenure and applicant profile. The loan requires no collateral or guarantor, and approval is quick. Citibank emphasizes convenience with online applications and fast disbursement.
CIMB Bank
CIMB Bank offers Cash Plus Personal Loan, with financing amounts ranging from RM2,000 to RM100,000. Repayment tenures extend up to 5 years, with interest rates starting from 6.88% p.a.. The loan requires no guarantor or collateral, and approval is fast. CIMB also provides debt consolidation options.
Co-opbank Pertama
Co-opbank Pertama provides Personal Financing-i primarily for government employees and selected private sector staff. Financing amounts can reach up to RM200,000, with repayment tenures of up to 10 years. Profit rates are fixed, ensuring stable monthly payments. Repayment is typically via salary deduction, and the financing is Shariah-compliant.
Bank Muamalat
Bank Muamalat offers Personal Financing-i, with financing amounts up to RM200,000 and repayment tenures of up to 10 years. Profit rates are competitive, starting from 4.99% p.a., and repayment is flexible. The loan is Shariah-compliant and available to both government and private sector employees.
MBSB
MBSB Bank provides Personal Financing-i, with financing amounts up to RM250,000 and repayment tenures of up to 10 years. Profit rates are fixed, ensuring predictable monthly payments. The loan is Shariah-compliant and available to government employees, GLC staff, and selected private sector workers.
