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    CIMB Cash Plus Personal Loan

    CIMB Cash Plus Personal Loan is a conventional financial product offered by CIMB. This loan offers flexible repayment options and loan amounts starting from RM2,000.

    Interest Rates

    Type of employment Loan Amount Profit Rate Effective profit rate
    Salaried Employee RM50,000 to RM100,000 8.20% p.a. 14.5% p.a.
    Salaried Employee RM20,000 to RM50,000 10.88% p.a. 18.62% p.a.
    Salaried Employee RM2,000 to RM20,000 14.66% p.a. 24% p.a.
    Self-employed professional RM2,000 to RM100,000 14.66% p.a. 24% p.a.

    Features and Benefits

    The following are the benefits and features of the CIMB Cash Plus Personal Loan:

    • This loan offers a easy loans and disbursal process.
    • The minimum loan amount is RM2,000.
    • This personal loan is available for both, salaried as well as self-employed applicants.
    • The maximum loan amount is RM100,000.
    • There is no early settlement fee with this personal loan.
    • The minimum loan duration is one year.
    • The interest rate for this loan will be calculated on a fixed rate.
    • The maximum loan duration is 5 years.
    • There is no processing fee for this personal loan.
    • You don’t need a guarantor or collateral to acquire this loan.

    Fees and Charges

    Fee type Fee details
    Handling and disbursement fee No charge is applicable
    Stamp Duty It will be calculated as per the Stamp Duty Act 1949.
    Early settlement fee No charge
    Advance Payment There is no advance payment necessary

    Eligibility Criteria

    The following are the eligibility requirements for CIMB Finance:

    • You must be a Malaysian citizen to be eligible for the loan.
    • Joint application is not allowed for this loan. You must apply as an individual only.
    • You need a minimum monthly income of RM2,000.
    • The minimum age at the time of application must be 21 years.
    • The maximum age should not exceed 58 years at the end of the loan tenure.
    • You must be employed with the current employer for a minimum period of 6 months.

    What documents do I need to prepare for CIMB Cash Plus Personal Loan?

    The following documents are necessary to apply for the loan:

    Salaried applicants:

    • MyKad Copy(Both front and back)
    • Last 6 months company bank statement
    • A copy of your Business Registration Form/SSM

    Self-employed applicants:

    • MyKad Copy(Both front and back)
    • Last 3 months pay slip or last 3 months bank account statement
    • You can also choose to give last six months EPF statement

    How to Apply for the CIMB Cash Plus Personal Loan?

    • Offline Applications: You can apply for the loan by visiting the nearest CIMB branch. You will have to fill up the application form and present it with all the necessary supporting documents. You could also call CIMB Bank on its customer care numbers and have any queries regarding the application process answered.
    • Online Application: You can also fill up the form online and submit the required documents in person. Once the bank receives your documents, the loan approval process will commence and a bank representative will contact you.


    Q. I am a permanent employee for a private organisation. What is the maximum amount that I can borrow using this loan?

    A. The maximum amount that you can borrow from the bank is 8x your monthly income or RM100,000 whichever is lesser.

    Q. What happens after I have submitted the form and the required documents?

    A. All the copies of your documents will be checked by CIMB and if you have provided all required documents and meet the eligibility criteria of the loan, your application will be verified and approved and the loan amount will be disbursed to your account.

    Q. Do I need a guarantor for this personal loan?

    A. No, you will not require a guarantor or provide any collateral to be eligible for this personal loan.

    Q. Can I settle the amount before it matures? What charges do I have to bear in such cases?

    A. The bank will not charge an early settlement fee if you choose to settle early. You will have to provide the bank with one month written notice in-case you choose to settle early.

    Q. In case of the death of borrower before during the loan duration will the bank waive of any amount?

    A. If the borrower dies during the repayment period the bank will waive off the remaining loan amount. The maximum amount that can be waived is RM25,000.

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