My Coins:

200 coins

Basic Package

Buzdy Basic Coin Package

Standard Package

Buzdy Standard Coin Package

Premium Package

Buzdy Premium Coin Package
Buy Now
Buzdy

my wishlist

Notifications

Loan Eligibility Calculator Malaysia

See how much you can borrow in Malaysia on your salary in MYR, and what Malaysia banks actually require before they approve you.

Enter Your Details

Borrowing requirements in Malaysia

What you can borrow in Malaysia is set by your income in MYR and your existing commitments. Buzdy holds published eligibility terms for 22 lending products from 12 banks in Malaysia — the real requirements are listed below.

Looking for a credit card, a loan or a savings account in Malaysia?

Compare what banks in Malaysia actually offer — rates, fees and eligibility, updated for 2026.

Best Credit Cards Personal Loans Savings Accounts
Best Credit Cards in Malaysia
12 banks
502 branches
86 cities
2,231 ATMs
Currency MYR

Loan requirements in Malaysia

LoanBankMinimum incomeMaximum amountTenure
Maybank Personal Loan Maybank Malaysia RM 3,500RM 100,00072 months
Mumtaz-i MBSB Bank RM 3,000RM 250,000120 months
Personal Financing-i Public Sector Bank Rakyat RM 1,600RM 400,000120 months
Personal Financing-i Non Package Bank Islam RM 2,000RM 300,000120 months
Personal Financing-i Package Bank Islam RM 2,000RM 400,000120 months
Maybank Islamic Personal Financing-i (MIPF-i) Maybank Malaysia RM 3,500RM 100,00072 months
Alliance Bank Digital Personal Loan / Financing Alliance Bank Malaysia RM 3,000RM 200,00084 months
AmMoneyLine / AmMoneyLine Facility-i AmBank RM 3,000RM 150,00084 months
UOB Personal Loan UOB Malaysia RM 3,000RM 150,00060 months
Private Sector-i MBSB Bank RM 3,500RM 300,000120 months
HLB Personal Loan Hong Leong Bank RM 2,000RM 250,00060 months
Pembiayaan Peribadi Awam-i CIMB Bank RM 1,400RM 200,000120 months
CIMB e-Zi Tunai (e-Zi Tunai Personal Loan) CIMB Bank RM 1,400RM 100,00084 months
Cash Plus Personal Loan CIMB Bank RM 2,000RM 100,00084 months
Maybank Islamic Salary Financing-i Maybank Malaysia RM 3,000RM 200,000120 months
Personal Financing-i Private Sector Bank Rakyat RM 2,000RM 400,000120 months
Afdhal-i MBSB Bank —RM 400,000120 months
AFFIN Islamic Personal Financing-i Affin Bank —RM 400,000120 months
RHB Personal Financing RHB Bank —RM 150,00084 months
Personal Financing-i AmBank RM 1,500RM 200,000—
PLUS BAE Personal Financing-i Public Bank —RM 150,000120 months
BAE AG Personal Financing-i Public Bank RM 1,500RM 350,000—

22 lending products with published eligibility terms.

Banks we track in Malaysia

CIMB Bank 60 branches · 7 products AmBank 60 branches · 6 products Hong Leong Bank 60 branches · 5 products Bank Islam 60 branches · 2 products Affin Bank 60 branches · 1 products Bank Rakyat 51 branches · 2 products UOB Malaysia 36 branches · 1 products MBSB Bank 34 branches · 3 products Maybank Malaysia 20 branches · 7 products Public Bank 20 branches · 6 products RHB Bank 20 branches · 5 products Alliance Bank Malaysia 20 branches · 4 products

Keep going in Malaysia

All banks in Malaysia Bank branches in Malaysia ATMs in Malaysia EMI calculator — Malaysia Credit card finder — Malaysia Mortgage calculator — Malaysia Savings calculator — Malaysia Money-back checker — Malaysia

Guides for Malaysia

Best Savings Accounts in Malaysia 2026 Best Personal Loans in Malaysia 2026 Best Credit Cards in Malaysia 2026

Malaysia — frequently asked questions

What is the minimum salary for a loan in Malaysia?

Published minimum income requirements in our Malaysia data include RM 3,500; RM 3,000; RM 2,000; RM 1,400. Banks also look at your existing monthly commitments, not just gross salary.

Do I need to transfer my salary to get a card or loan in Malaysia?

Not always — 20 of the 27 cards we track in Malaysia state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.

How much can I borrow on my salary?

Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.