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Compare Personal Loans

Use the tables below to compare the best personal loans in Malaysia and explore the different interactive functions to sort and find the best loan that suits your needs. Use our calculator to find out an accurate estimate of what your monthly payments will be.

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Note: Banks offer different interest rates for different loan amounts and tenures. For the reason of fairer comparisons, all results below are based on 5 years tenure

Showing results from over 22 personal loans & 11 providers based on above criteria

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  Product Name Interest
Rate
p.a 		Max Tenure Min/Max Loan Amount Min Income Conditions  
product image
BAE Personal Financing-i 4.99 % 240
months 		RM5,000
to
RM150,000 		N/A Yes apply
  • IMPORTANT: This personal financing product is applicable to permanent employees of at least 6 months from APPROVED PUBLIC BANK AGENCIES. Please click the "Find out more" button and submit you contact details to the bank for more information on this.
  • No Takaful premium.
  • For tenure of 2 – 3 years = 3.40% p.a flat.
  • For tenure of 4 – 15 years = 4.99% p.a flat.
  • For tenure of 16 – 20 years = 5.20% p.a flat.

This personal loan has a minimum tenure of 24 months.

  • For tenure of 2 – 3 years = 3.40% p.a flat.
  • For tenure of 4 – 15 years = 4.99% p.a flat.
  • For tenure of 16 – 20 years = 5.20% p.a flat.

This personal loan has a minimum income requirement of N/A.

Max Tenure

240 months.

Minimum Income

(RM1)

Guarantor or Collateral Required

No
 
       
 
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Plus BAE Personal Financing-i 6.60 % 240
months 		RM10,000
to
RM150,000 		N/A Yes apply

IMPORTANT: Plus BAE Personal Financing-i is especially tailored for existing Public Islamic Bank customers with good payment record who can opt for additional financing without any additional collateral or a guarantor. This convenient financing plan is our way of thanking you for being a loyal customer.

  • For all existing ABBA House / Term Financing-i or Cash Line Facility-i customers of Public Islamic Bank.
  • Optional Group Takaful coverage.

BFR + 1.00% p.a. daily rest for the following customers:

  • who do not take up Group Takaful Family Plan (GTFP).
  • where facility is secured by cultivated or vacant land.
  • where MA is above 100% of CMV for existing facility secured by completed residential and commercial properties.

BFR + 0% p.a. daily rest for the following customers:

  • who take up Group Takaful Family Plan (GTFP).
  • where MA does not exceed 100% of CMV for existing facility secured by completed residential and commercial properties.

 

BFR + 1.00% p.a. daily rest for the following customers:

  • who do not take up Group Takaful Family Plan (GTFP).
  • where facility is secured by cultivated or vacant land.
  • where MA is above 100% of CMV for existing facility secured by completed residential and commercial properties.

BFR + 0% p.a. daily rest for the following customers:

  • who take up Group Takaful Family Plan (GTFP).
  • where MA does not exceed 100% of CMV for existing facility secured by completed residential and commercial properties.

This personal loan has a minimum income requirement of N/A.

Max Tenure

240 months.

Minimum Income

(RM1)

Guarantor or Collateral Required

No
 
       
 
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ExeCash-I (Special) 8.60 % 12
months 		RM1,000
to
N/A 		RM1,000 Yes apply
  • The loan is open to employees from Maybank's selected panel companies i.e must be Maybank's APS (Automated Payroll System)/MAS (Maybank Autocredit system) customer. Borrow up to 2 times monthly basic salary (inclusive of fixed allowance) whichever is higher. Monthly instalments fo approved loan amount will not be more than 50% of basic monthly salary (inclusive of fixed allowance). All other financing / loan commitments including this application should be taken into consideration. Comes with Etiqa Takaful Coverage (Death and Disability).
  • Term financing on monthly rest under Islamic Bai' 'Inah concept.
  • 2 – 10 years – Base Financing Rate (currently 6.60%) + 2.00% per annum.
  • 11- 15 years – Base Financing Rate (currently 6.60%) + 2.25% per annum.
  • Term financing on monthly rest under Islamic Bai' 'Inah concept.

This personal loan has a minimum tenure of 3 months.

  • 2 – 10 years – Base Financing Rate (currently 6.60%) + 2.00% per annum.
  • 11- 15 years – Base Financing Rate (currently 6.60%) + 2.25% per annum.
  • Term financing on monthly rest under Islamic Bai' 'Inah concept.
  • Must be a fixed income earner and minimum fixed salary of RM1,000 (inclusive of fixed allowance).

Max Tenure

12 months.

Minimum Income

RM1,000

  • Must be a fixed income earner and minimum fixed salary of RM1,000 (inclusive of fixed allowance).

Fees

Processing fees of RM120 for financing up to RM20,000, RM250 for financing above RM20,000.

Guarantor or Collateral Required

No (However, guarantor is compulsory if financing amount exceeds 5 times customer’s salary. Cross guarantee is not allowed.)
 
       
 
Personal Loans
 
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ExeCash-I (Standard) 8.88 % 60
months 		RM3,000
to
RM50,000 		RM1,000 Yes apply
  • The loan is open to employees from Maybank's selected panel companies i.e must be Maybank's APS (Automated Payroll System)/MAS (Maybank Autocredit system) customer. Borrow up to 10 times monthly basic salary (inclusive of fixed allowance). Monthly instalments for approved loan amount will not be more than 50% of basic monthly salary (inclusive of fixed allowance). All other financing / loan commitments including this application should be taken into consideration. Comes with Etiqa Takaful Coverage (Death and Disability).
  • Term financing on monthly rest under Islamic Bai' 'Inah concept.
  • Based on a Salary deduction, 1st year at 8.88% p.a, thereafter at 12.00% p.a.
  • Based on Variable Standing Instruction (VSI), 1st year at 8.88% p.a, thereafter at 13.88% p.a.
  • Term financing on monthly rest under Islamic Bai' 'Inah concept.

This personal loan has a minimum tenure of 24 months.

  • Based on a Salary deduction, 1st year at 8.88% p.a, thereafter at 12.00% p.a.
  • Based on Variable Standing Instruction (VSI), 1st year at 8.88% p.a, thereafter at 13.88% p.a.
  • Term financing on monthly rest under Islamic Bai' 'Inah concept.
  • Must be a fixed income earner and minimum fixed salary of RM1,000 (inclusive of fixed allowance).

Max Tenure

60 months.

Minimum Income

RM1,000

  • Must be a fixed income earner and minimum fixed salary of RM1,000 (inclusive of fixed allowance).

Fees

Processing fees of RM120 for financing up to RM20,000, RM250 for financing above RM20,000.

Guarantor or Collateral Required

No (However, guarantor is compulsory if financing amount exceeds 5 times customer’s salary. Cross guarantee is not allowed.)
 
       
 
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Cash Plus Financing-i 9.88 % 60
months 		RM25,000
to
RM100,000 		RM2,000 Yes apply
  • Borrow up to 5x your gross monthly income.
  • Approval in 24 hrs and fast disbursement.
  • Loan amount RM2,000 to RM24,000 (13.38% per annum fixed rate)
  • Loan amount RM25,000 to RM49,000 (9.88% per annum fixed rate)
  • Loan amount RM50,000 to RM100,000 (6.88% per annum fixed rate)

This personal loan has a minimum tenure of 12 months.

  • Loan amount RM2,000 to RM24,000 (13.38% per annum fixed rate)
  • Loan amount RM25,000 to RM49,000 (9.88% per annum fixed rate)
  • Loan amount RM50,000 to RM100,000 (6.88% per annum fixed rate)
  • (Basic + fixed income only)

Max Tenure

60 months.

Minimum Income

RM2,000

  • (Basic + fixed income only)

Fees

RM10 processing fees and 0.4% Stamp Duty

Guarantor or Collateral Required

No
 
       
 
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CashFirst Personal Loan 9.88 % 84
months 		RM5,000
to
RM150,000 		RM2,000 Yes apply

In regards to early settlement penalty, only a 3 months' written notice or 3 months' profit rate in lieu of such notice is required.

Flat rate

This personal loan has a minimum tenure of 12 months.

Flat rate

This personal loan has a minimum income requirement of RM2,000.

Max Tenure

84 months.

Minimum Income

RM2,000

Fees

  • No processing fees.
  • Stamp Duty Fee & Handling Fees [as per Stamp Duty Act 1949 (revised 1989)] of 0.55% on total approved loan amount to be deducted from loan.

Guarantor or Collateral Required

No
 
       
 
Personal Loans
 
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Personal Financing-i 10.00 % 72
months 		RM20,000
to
RM100,000 		RM2,500 Yes apply
  • Earn TreatsPoints for every Ringgit Approved
  • No documents stamping
  • No processing fee and fast approval.
  • No Early settlement fees for early settlement of Maybank Islamic Personal Financing-i
  • Insurance protection included.
  • Loan amount RM5,000 to RM20,000 (11% per annum fixed rate)
  • Loan amount RM20,001 to RM50,000 (10% per annum fixed rate)
  • Loan amount RM50,001 to RM100,000 (9% per annum fixed rate)

 

  • Loan amount RM5,000 to RM20,000 (11% per annum fixed rate)
  • Loan amount RM20,001 to RM50,000 (10% per annum fixed rate)
  • Loan amount RM50,001 to RM100,000 (9% per annum fixed rate)

This personal loan has a minimum income requirement of RM2,500.

Max Tenure

72 months.

Minimum Income

RM2,500

Fees

No stamp duty and processing fees.

Guarantor or Collateral Required

No
 
       
 
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Personal Financing-i 10.30 % 60
months 		RM5,000
to
RM100,000 		RM2,000 Yes apply
  • Hassle Free Application and Fast approval within 48 hours*.
  • High financing margin of up to 5 times your monthly salary/income.
  • The customer may at any time early settle the Financing in full by giving three (3) months’ prior written notice to the Bank, or payment of three (3) months’ profit on the amount redeemed, in lieu of notice. An Ibra’ (rebate) for early settlement (“Rebate”) on the profit will be granted to the customer over the unexpired period commencing after three (3) months’ notice period
  • Mandatory participation of Group Credit Term Takaful Plan with Hong Leong MSIG Takaful or Hong Leong Islamic Bank’s approved Takaful providers.
  • Contribution of the Takaful will be deducted from the financing amount

Flat rate

This personal loan has a minimum tenure of 12 months.

Flat rate

This personal loan has a minimum income requirement of RM2,000.

Max Tenure

60 months.

Minimum Income

RM2,000

Fees

Stamp duty of 0.5% of the financing amount (as per Stamp Duty Act 1949 (revised 1989). However, a 20% remission is given until 2015. There is also a Wakalah (Agency fee) of RM15.

Guarantor or Collateral Required

No
 
       
 
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CashVantage Personal Financing-i 10.38 % 84
months 		RM5,000
to
RM150,000 		RM2,000 Yes apply
  • No processing fee & early settlement penalty.
  • Only a 3 months' written notice or 3 months' profit rate in lieu of such notice is required.
  • Complementary Takaful Insurance coverage.
  • 9.88% (flat rate) if your income is greater than RM3000/month & 10.58% (flat rate) if your income is less than or equal to RM3,000/month.

This personal loan has a minimum tenure of 12 months.

  • 9.88% (flat rate) if your income is greater than RM3000/month & 10.58% (flat rate) if your income is less than or equal to RM3,000/month.

This personal loan has a minimum income requirement of RM2,000.

Max Tenure

84 months.

Minimum Income

RM2,000

Fees

  • No processing fees.
  • Stamp Duty Fee & Handling Fees [as per Stamp Duty Act 1949 (revised 1989)] of 0.55% on total approved loan amount to be deducted from loan.

Guarantor or Collateral Required

No
 
       
 
Personal Loans
 
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Easi-Cash 10.75 % 60
months 		RM25,000
to
RM100,000 		RM2,000 Yes apply
  • No processing fee.
  • A maximum loan amount of RM50,000 is applicable to self employed applicants.
  • Loan amount RM5,000 to RM24,000 (11.9% per annum fixed rate for salaried employee, 12.4% p.a for self employed)
  • Loan amount RM25,000 to RM49,000 (10.75% per annum fixed rate for salaried employee and 11.25% p.a for self employed)
  • Loan amount RM50,000 to RM100,000 (9.50% per annum fixed rate for salaried employee and self employed)

This personal loan has a minimum tenure of 12 months.

  • Loan amount RM5,000 to RM24,000 (11.9% per annum fixed rate for salaried employee, 12.4% p.a for self employed)
  • Loan amount RM25,000 to RM49,000 (10.75% per annum fixed rate for salaried employee and 11.25% p.a for self employed)
  • Loan amount RM50,000 to RM100,000 (9.50% per annum fixed rate for salaried employee and self employed)
  • RM2,000 (salaried employee) and RM3,000 (Self employed)

Max Tenure

60 months.

Minimum Income

RM2,000

  • RM2,000 (salaried employee) and RM3,000 (Self employed)

Fees

0.5% stamp duty and no processing fees.

Guarantor or Collateral Required

No
 
       
 
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Product Information Disclaimer

The rates and products displayed within these tables are updated on a regular basis; however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible.

Do note however that the terms offered by banking institutions may differ from one another. Therefore, it's best that you seek advice from banking institution of your choice before signing up with them.

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