Best Personal Loans in Malaysia (2026)
22 personal loans from 12 banks in Malaysia. 20 of them publish a rate; the rest quote only on application.
Every figure below is taken from the bank's own published pages and is shown in the bank's
own wording — a flat rate and a reducing rate are not the same thing, so they are never merged.
A dash means the bank does not publish that figure. Rates change; always confirm on the bank's
site before applying.
Last read from the banks' websites on 16 August 2026.
| Bank & loan | Rate (bank's own wording) | Min salary | Max amount | Tenure | |
|---|---|---|---|---|---|
|
UOB Personal Loan
UOB Malaysia
bank's page ↗
|
Enjoy interest rates from as low as 3.99% p.a. (the bank does not state whether this is flat or effective) | RM 3,000 | RM 150,000 | 60 months | View |
|
Pembiayaan Peribadi Awam-i
CIMB Bank
bank's page ↗
|
Estimated Profit Rates (fixed rate p.a.) 3.50% - 4.20% (fixed profit rate) — Federal Government employee & Non-Federal Government employee Fixed Profit Rate 3.50% p.a. - 4.20% p.a. is equival | RM 1,400 | RM 200,000 | 120 months | View |
|
Private Sector-i
MBSB Bank
bank's page ↗
|
Competitive financing rates as low as SBR + 8.85% p.a. — floating profit rate (SBR-linked), calculated on monthly rest basis (equivalent to 6.29% p.a. flat rate at 3 years tenure) — flat rate | RM 3,500 | RM 300,000 | 120 months | View |
|
Mumtaz-i
MBSB Bank
bank's page ↗
|
Competitive financing rates as low as SBR + 3.05% p.a. — floating profit rate (SBR-linked), calculated on monthly rest basis (equivalent to 3.06% p.a. flat rate at 3 years tenure) — flat rate | RM 3,000 | RM 250,000 | 120 months | View |
|
Maybank Personal Loan
Maybank Malaysia
bank's page ↗
|
6.5% p.a. (fixed) — Loan amount RM50,001 to RM100,000 7% p.a. (fixed) — Loan amount RM20,001 to RM50,000 8% p.a. (fixed) — Loan amount RM5,000 to RM20,000 Effective interest rates may vary fr | RM 3,500 | RM 100,000 | 72 months | View |
|
Maybank Islamic Salary Financing-i
Maybank Malaysia
bank's page ↗
|
As low as *5.50% p.a (SBR + 2.75%) (effective profit rate (floating, SBR-linked)) — Exclusively for All Federal Government, State Government, selected of designated & Work+ companies. Standar | RM 3,000 | RM 200,000 | 120 months | View |
|
Maybank Islamic Personal Financing-i (MIPF-i)
Maybank Malaysia
bank's page ↗
|
6.5% p.a. (fixed profit rate) — Financing amount RM50,001 to RM100,000 7% p.a. (fixed profit rate) — Financing amount RM20,001 to RM50,000 8% p.a. (fixed profit rate) — Financing amount RM5,0 | RM 3,500 | RM 100,000 | 72 months | View |
|
Alliance Bank Digital Personal Loan / Financing
Alliance Bank Malaysia
bank's page ↗
|
4.99% flat p.a. — 1 year tenure 5.99% flat p.a. — 2 years tenure 10.99% flat p.a. — 3-4 years tenure Board Rates 11.18% - 17.68% flat p.a. (flat (Board Rates)) — 5-7 years tenure Flat Rate (p | RM 3,000 | RM 200,000 | 84 months | View |
|
HLB Personal Loan
Hong Leong Bank
bank's page ↗
|
Flat interest rate ranges from 8.50% p.a. to 10.50% per annum, depending on loan disbursement account 8.50% (flat) — Disbursement to HLB/HLISB CASA/CASA-i 10.50% (flat) — Disbursement to non | RM 2,000 | RM 250,000 | 60 months | View |
|
CIMB e-Zi Tunai (e-Zi Tunai Personal Loan)
CIMB Bank
bank's page ↗
|
The Flat Interest Rate ranging from 6.88% to 24% per annum equivalent to an Effective Interest Rate ranging from 6.88% to 41.70% per annum depending on loan tenure | RM 1,400 | RM 100,000 | 84 months | View |
|
Cash Plus Personal Loan
CIMB Bank
bank's page ↗
|
Fixed interest rates from as low as 4.38% to 19.88% fixed per annum which is equivalent to Effective Interest Rates of 8.08% to 31.42% per annum 4.38% p.a. (fixed) — 2 to 5 Years tenure, lowe | RM 2,000 | RM 100,000 | 84 months | View |
|
Personal Financing-i Public Sector
Bank Rakyat
bank's page ↗
|
3.42% — fixed profit rate — Biro Perkhidmatan Angkasa / Salary Deduction, up to 1 Year, with takaful 3.61% — fixed profit rate — Biro Perkhidmatan Angkasa / Salary Deduction, more than 1 Year | RM 1,600 | RM 400,000 | 120 months | View |
|
Personal Financing-i Private Sector
Bank Rakyat
bank's page ↗
|
SBR + 4.91% or SBR + 5.91% — floating profit rate (SBR-linked) — Biro Perkhidmatan Angkasa / Salary Deduction / Salary Transfer to Bank Rakyat, up to 1 Year SBR + 5.37% or SBR + 6.37% — float | RM 2,000 | RM 400,000 | 120 months | View |
|
Personal Financing-i Package
Bank Islam
bank's page ↗
|
SBR + 2.25% = 5.00% — floating profit rate (SBR-linked) — Package Government, With Takaful, 1-2 years SBR + 2.50% = 5.25% — floating profit rate (SBR-linked) — Package Government, With Takafu | RM 2,000 | RM 400,000 | 120 months | View |
|
Personal Financing-i Non Package
Bank Islam
bank's page ↗
|
SBR + 6.25% = 9.00% — floating profit rate (SBR-linked) — Category 1 & 2 and Category 3, Salary Transfer (ST), regardless of salary amount, With Takaful, 1-2 years SBR + 9.25% = 12.00% — floa | RM 2,000 | RM 300,000 | 120 months | View |
|
AmMoneyLine / AmMoneyLine Facility-i
AmBank
bank's page ↗
|
As low as 4.88% to 11.99% flat per annum which is equivalent to Effective Interest/Profit Rates, from 8.78% to 21.58% per annum | RM 3,000 | RM 150,000 | 84 months | View |
|
Afdhal-i
MBSB Bank
bank's page ↗
|
Competitive financing rates as low as SBR + 4.25% p.a. — floating profit rate (SBR-linked), calculated on monthly rest basis (equivalent to 3.72% p.a. flat rate at 3 years tenure) — flat rate | — | RM 400,000 | 120 months | View |
|
Personal Financing-i
AmBank
bank's page ↗
|
Fixed Rate 3.45% per annum (fixed profit rate) — Financing amount RM80,000 to RM200,000. Promotional Rate until 31 Dec 2026. With Takaful coverage. (Effective Rate from 6.21% to 6.51% per ann | RM 1,500 | RM 200,000 | — | View |
|
RHB Personal Financing
RHB Bank
bank's page ↗
|
As low as 14.00% p.a. (effective) — Private Sector (equivalent to Flat Rate 7.62%) — Private Sector | — | RM 150,000 | 84 months | View |
|
AFFIN Islamic Personal Financing-i
Affin Bank
bank's page ↗
|
Profit Rates: Offers both fixed and variable rates. Profit rate shall be determined at the point of entry. The profit rate may vary depending on the type of financing package. — fixed and var | — | RM 400,000 | 120 months | View |
|
BAE AG Personal Financing-i
Public Bank
bank's page ↗
|
— | RM 1,500 | RM 350,000 | — | View |
|
PLUS BAE Personal Financing-i
Public Bank
bank's page ↗
|
— | — | RM 150,000 | 120 months | View |
How to read the rates in this table
The single most expensive mistake when comparing personal loans in Malaysia is treating two advertised percentages as if they mean the same thing. They often do not. A flat rate is charged on the full amount you borrowed for the whole term, even though you are paying the balance down every month. A reducing rate is charged only on what you still owe, so it falls as you repay. The same number written two different ways produces very different totals, and the flat one is always the more expensive of the two.
This is why the rate column above reproduces each bank's own sentence instead of reducing it to a single figure. Where a bank says "per month", that is not an annual rate. Where it says "from", that is the best case for its strongest applicants, not an offer to you. Buzdy does not convert between these, because converting requires assumptions the bank has not published and a wrong number here costs real money.
Of the 22 loans listed, 20 publish a rate at all. The rest quote only after an application, which is itself worth knowing before you spend an afternoon on paperwork.
What the banks actually publish
Across the 12 banks on this page, disclosure is uneven. That gap is useful in itself — a bank that will not say what it charges until you have applied is telling you something.
- 20 of 22 state a rate
- 18 of 22 state a minimum salary
- 22 of 22 state a maximum amount
- 20 of 22 state a repayment term
22 of the 22 rows link straight to the bank's own page, so you can check any line here against the source before you act on it.
Before you apply
Every application is usually recorded, and several in a short window can read badly to the next lender. It costs nothing to narrow the list here first, confirm the current terms on the bank's own page, and apply once or twice rather than everywhere.
Ask the bank for the total you will repay over the full term, not the monthly instalment. A longer term makes any instalment look affordable while quietly increasing what the loan costs in total. Processing fees, insurance and early settlement charges sit outside the headline rate and are worth asking about by name.
