Banner — Personal Financing
Personal Financing
A fixed-instalment facility for consolidating debt, covering a medical bill, funding a renovation or handling a one-off expense. Decisions are returned in minutes, and the criteria we assess against are published on this page.
Rate
From 8.9% p.a.
Amount
RM 5,000.00 – RM 200,000.00
Tenure
6 – 60 months
Rate type
Reducing balance
Who can apply
Malaysian citizens and permanent residents
Aged 21 to 60 at application
Minimum income RM 2,000.00 per month
CTOS Score of 650 or above
Debt service ratio at or below 60.0%
No undischarged bankruptcy
Applications scoring between 580 and 649 are referred to an underwriter rather than declined outright.
What to have ready
NRIC — front
All four corners visible, no glare.
Required
NRIC — back
Make sure the address is readable.
Required
Latest 3 payslips
One PDF or three separate files, most recent first.
Required
3 months bank statements
Download from your banking app rather than photographing.
Required
EPF statement
Speeds up income verification if you have it.
Optional
Utility bill — address proof
Issued within the last three months.
Required
Fees & charges
| Item | When it applies | Amount |
|---|---|---|
| Processing fee | Deducted at disbursement | 1.0% of principal |
| Stamp duty | Statutory, on the agreement | 0.5% of principal |
| Late payment charge | Instalment overdue | 1.0% per month on arrears |
| Early settlement | Any time before maturity | Rule 78 — rebate on unearned profit, no penalty |
| Processing fee | Deducted at disbursement | 1% |
| Stamp duty | Deducted at disbursement | 0.5% |
| Late payment charge | On any instalment past its due date | 1% |
| Early settlement | On full settlement before maturity | RM 0.00 |
| Statement reprint | Per additional copy requested | RM 0.00 |
Repayment illustration
| Amount | 6 months | 12 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|---|
| RM 5,000.00 | RM 855.05 | RM 436.98 | RM 228.15 | RM 158.72 | RM 124.14 | RM 103.50 |
| RM 102,500.00 | RM 17,528.51 | RM 8,958.07 | RM 4,677.04 | RM 3,253.75 | RM 2,544.88 | RM 2,121.77 |
| RM 200,000.00 | RM 34,201.97 | RM 17,479.17 | RM 9,125.94 | RM 6,348.78 | RM 4,965.62 | RM 4,140.03 |
Monthly instalment at 8.9% p.a. on a reducing balance balance. Indicative only. Subject to credit assessment.
Questions about this product
No questions published for this product yet
Your estimate
RM 2,121.77
per month over 60 months
RM 102,500.00
60 months
Takes about 5 minutes. A CTOS enquiry is made only after you consent.
FromRM 2,121.77
Apply now