Kuwait Finance House (KFH)
Looking for ethical and flexible financial solutions? KFH offers Shariah-compliant personal financing tailored for government employees, GLC staff, and selected professionals. With competitive profit rates, no guarantor required, and fast approval, KFH is your gateway to financial peace of mind.
Whether you’re consolidating debt, planning a major purchase, or funding personal goals—KFH makes it simple, secure, and Syariah-compliant.
Global expertise. Local trust. Islamic banking at its finest.
Ready to apply? Read more to check your eligibility and start your application today.
Popular Personal Loans
Cashline-i
This promotion is called Murabahah Cashline-i Kuwait Finance House KFH
Top key features and benefits
- Flexible:Withdrawal
- No Minimum: Monthly Payment
- Competitive: Pricing
- Shariah Concept: “Murabahah Tawarruq”
- High: Margin of Advance
Get instant cash without touching your existing deposits or investments! Whether it’s for urgent payments, education expenses, business or other commitments, we will provide you the extra flexibility and peace of mind to manage these common cash-flow needs with our Personal Loan Kuwait Finance House KFH Cashline-i.
Account Benefit
- Flexible cash withdrawal anytime via cheque, Debit Card, ATM or at any of our branches.
- No minimum monthly payment. You will only pay profit charges on the money you use. Only settle the full amount within the agreed time frame.Profit rate is based on utilised amount only.
- No charges imposed on the unutilized portion. Competitive pricing. High margin of advance. No guarantor needed.
Fee
- Brokerage Fee: Proportionate as per the financing amount. Stamp Duty: 0.5% of the financing amount. Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
- Individuals aged 21 years old or up to 2 years before retirement age (60 years old).
- Malaysian resident.
- Owns any permissible assets which are acceptable to KFH Malaysia and free from any encumbrances.
- For personal use or short term working capital.
- Minimum tenure of 2 years and up to 5 years, subject to annual review.
- Minimum of RM5,000 financing amount and a maximum of RM250,000.
Profit Rates
Base Rate plus margin subject to Contracted Ceiling Rate. Customer will be charged daily, based on the utilised amount calculated at Profit Rate and realised on a monthly basis.
Required Documents
Salaried earners:
- Latest 3 months payslip.
- Latest EPF Statement (must show latest 3 months contribution).
- Other documents on case-to-case basis.
Own Business:
- Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
- Business Registration Form.
- Additional documents such as latest 6 months Company bank statement; or Proprietor bank statement and latest 3 months Personal bank statement.
- Other documents on case to case basis.
Financing-i Generic
Top key features and benefits
- Up To RM250,000: Financing
- 2 to 10 Years: Tenure
- Competitive: Financing Rates
- Shariah Concept: “Murabahah Tawarruq”.
- No: Guarantors Necessary
Lifestyles
Planning for a dream wedding or vacation you’ve always wanted? Need funds for the start-up you have in mind? Kuwait Finance House KFH Personal Financing-i is the best possible way to get you started.
Account Benefits
- Financing up to RM250,000.
- Flexible tenure from 2 to 10 years.
- Competitive profit rates.
- No guarantors needed.
- “Takaful” protection for total peace of mind.
- Easy payment via Interbank GIRO (IBG) or Interbank Fund Transfer (IBFT).
- No early settlement penalty.
Fee
- Brokerage Fee: Proportionate as per the financing amount.
- Stamp Duty: 0.5% of the financing amount.
- Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
- Confirmed and permanent staff. Working with multinational companies, public limited companies, government-linked companies and their subsidiaries.
- Individuals aged 21 years or up to 2 years before retirement age (60 years old).
- Malaysian resident. Minimum gross monthly income of RM3,000.
Required Documents
Salaried earners:
- Latest 3 months payslip.
- Latest EPF Statement (must show latest 3 months contribution).
- Other documents on case to case basis.
Own Business:
- Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
- Business Registration Form.
- Additional documents such as latest 6 months Company bank statement, or Proprietor bank statement and latest 3 months Personal bank statement.
- Other documents on case to case basis.
Payout 100%
The waiting is over for you to get 100% payout. Now you can either get this deal right away before it ends soon. Process by Coshare. Payout 100% with loan amount up to RM200,000. Interest rate only 3.88% per annum. Salary deduction. Fresh loan or overlap. Interest rate just 3.88% p.a.
Advantages
Among the advantages that you can enjoy:
- Competitive profit rates only 3.88% flat rate.
- The maximum amount of financing is RM200,000.
- Financing period from 2-10 years.
- Fresh loan is allowed.
- Customer who like to overlap loan is encourage to apply.
- Payment via salary deduction (on pay slip).
- Easy documentation.
Criteria – Cost of Living
Cost of Living = RM 1,000+
- Total Income < RM 3,000, DSR 60%
- Total Income RM 3,001 – RM 5,000, DSR 70%
- Total Income> RM 5,001+, DSR 80%
Loan Amount
Loan can be applied = RM 10,000 – RM 200,000 (must settle the old Coshare account if the customer has a Coshare loan under KFH fund).
Payment Period
Payment period = 2 – 10 years
Monthly
- 3.88%/p.a
- Payout 100%
- Max loan RM200k
- Overlap is allowed
- Lowest interest rate in the market
- Salary deduction
- 2-10 years loan tenure
DSR Criteria
- Total Income < RM 3,000, DSR 60%
- Total Income RM 3,001 – RM 5,000, DSR 70%
- Total Income> RM 5,001+, DSR 80%
*From Official KFH Websites
Contact Us
- Tel: 1 300 888 KFH (534) / 603-2168 0464 / +603 2168 0000
- Kuwait Finance House (Malaysia) Berhad
Address: Level 26, Menara Prestige,
1, Jalan Pinang,P.O.Box 10103,
50450 Kuala Lumpur, Malaysia. - Opening Hours:
9.30am-4.30pm (Monday-Friday)
