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