Hong Leong Personal Loan Promotion

    With Hong Leong Bank’s latest promotional offers on its personal loan facility, you can enjoy a range of benefits such as cash vouchers or cashback on interest paid. The promotional offers also include instalment plans.

    Promotion 1:

    Hong Leong Personal Loan Flexi-Pay Campaign

    Apply for Hong Leong Personal Loan facility online during the campaign period with a facility period of one to five years to buy electronic devices from Switch and/or Urban Republic retail outlets.

    Campaign/Promotion Period

    This campaign is ongoing until 31 October 2018.


    • Malaysian citizens aged between 21 and 60 years.
    • The annual income requirement is RM24,000.
    • Minimum loan amount is RM3,000.

    Campaign Mechanics

    • Customers whose loan facility is approved during the promotion period and disbursed by 15 November 2018 are entitled to the promotional fixed interest rates based on the loan tenure. The interest rate is 6% p.a. to 10% p.a. flat for tenure starting from 1 year up to 5 years.

    General Terms and Conditions:

    • The bank has the right to reject your loan application without giving any reason.
    • It can also disqualify you (as a customer) at its own discretion from taking part in the campaign.
    • If any discrepancies arise between the terms and conditions, the advertising and other materials pertaining to the campaign, the final terms and conditions on the website shall prevail.
    • Read and understand terms and conditions along with the return and refund policy at urbanrepublic.myshopify.com and www.switch.com.my

    How to Apply?

    • Choose the products that you want to buy from either Switch or Urban Republic.
    • Submit your contact details for an representative to call you.
    • Apply for a loan through the Hong Leong website.
    • If you qualify, your loan will be approved and the amount would be disbursed to Switch or Urban Republic.


    Q. Is this campaign open to foreigners?

    A. No. This campaign is open to Malaysian citizens only.

    Q. Does this campaign has any exclusions?

    A. Yes. The following people are not eligible to participate:

    • Bank employees (both permanent and contract).
    • Customers who have committed any fraudulent activities in relation to any of the bank.
    • Customers whom the bank has recognised as committing any illegal/unlawful acts.

    Q. What are the eligible products that I can buy under this campaign?

    A. Under this promotion offer, you can buy gadgets such as smartphones and laptops.

    Q. What is the maximum and minimum loan amount?

    A. The minimum loan amount is RM3,000 and the maximum is RM25,000.

    Q. What is the effective interest rate?

    A. The effective interest rates ranges from 10.90% p.a. to 17.60% p.a. for 1-5 year tenure.

    Q. How can I get financing solutions for my gadgets?

    A. The bank has partnered with the two retail outlets - Urban Republic, the authorized reseller and Switch, an Apple premium reseller to provide financing solutions.

    Read the fine print carefully before participating in the campaign. Meet the required eligibility criteria to utilise the promotional offer fully.

    Promotion 2:

    Win up to 60% cashback on your HLB personal loan

    You can get 60% cashback on the interest charged if you are a new customer and have an approved and disbursed HLB personal loan. As an existing customer, you can win 50% cashback on the interest charged on your personal loan plan.

    Table (As per the cashback category)

    (For online applicants/customers who apply through www.hlb.com.my or www.hlisb.com.my)

    Type of a Customer Eligible Cashback (%) Amount Approved
    New Customer 60% RM5,000 to RM250,000
    Old Customer 50% RM5,000 to RM250,000

    (For applicants via am:pm counters at selected branches)

    am:pm Customers Eligible Cashback (%) Amount Approved
    60% RM20,000 and above
    40% RM5,000 to RM19,000

    (For applicants who apply through HLB branches or personal loan sales staff)

    Applicants via Bank Branches and Personal Loan Sales Staff Eligible Cashback (%) Amount Approved
    40% RM5,000 to RM250,000

    Interest Rate Table

    For tenures of 2 years to 5 years, here’s a spread of interest rates charged against the sanctioned loan amount:

    Gross Income RM2,000 to RM3,999 per month More than RM4,000 per month
    Loan Amount Sanctioned Interest Rate Interest Rate
    RM5,000 to RM19,000 12.50% 12.50%
    RM20,000 to RM49,000 12.50% 12.50%
    RM50,000 to RM99,000 12.50% 11%
    RM100,000 to RM149,000 12.50% 10%
    RM150,000 to RM250,000 12.50% 9%

    Campaign/Promotion Period

    The promotion is valid from 1 March 2018 to 30 June 2018.


    • Nationality criterion: Malaysian citizen
    • Minimum annual income: RM24,000
    • You must not have any existing balance in arrears on any current HLB loan plans

    Campaign Mechanics

    If you are a new customer, you will get a cashback of 60% on your interest if you have taken a loan between RM5,000 and RM250,000. Being an existing customer, you will get a cashback of 40% on your interest charged. The same mechanism is applied for the customers who have applied via am:pm counters of the bank, depending on their approved loan amount.

    For the ones who have applied via branches and staff, they will get 40% cashback on their interest for approved amount between RM5,000 to RM250,000.

    The interest rates are charged according to the approved amount and it can go up to a maximum of 12.50% p.a.

    General Terms and Conditions

    The terms and conditions applicable to the personal loan promotion are:

    • You must not have any existing balance in arrears on any of the HLB Personal Loan/Personal Loan Consolidation/Fixed Instalment Loan while submitting a new application.
    • Disbursement of the approved facility must not be later than 15 July 2018.
    • You have to apply for the minimum amount of RM5,000 to qualify for the campaign.
    • ‘New customers’ means the customers who do not have any existing Personal Loan or Personal Financing-i ties with the bank or any other financial provider.
    • ‘Existing customers’ means the applicants who already have a Personal Loan or Personal Financing-i account with the bank or any other provider.
    • Permanent and contract employees of the bank are not eligible for the campaign.

    How to Apply?

    • If you are a new customer, you can apply for the personal loan facility by visiting to your nearest branch. You will need to submit an application form and attach all required documents to it.
    • You can also apply for a loan facility online. You need to go to the bank’s official website and click on the ‘Apply Now’ tab and fill in the blanks provided in the form. The bank representative later contact you regarding further process.


    Q. What are the available loan tenures for the personal loan facility?

    A. As per your loaned amount and income, you can obtain a financial tenure between 2 to 5 years.

    Q. What is the minimum approved facility to earn 60% cashback for customers who have applied via am:pm?

    A. To earn cashback of 60%, the minimum approved amount is RM20,000, however, you can get 40% cashback for the approved amount ranging from RM5,000 to RM19,000.

    Q. What is the age criterion for this facility?

    A. You need to be at least 21 years old to apply for the facility.

    Q. Can I get a cashback if I miss the due date for my payments?

    A. You are eligible for cashback under this campaign only if you pay your monthly instalments on or before the due date.

    Q. Can the bank’s employees get the benefit of the promotion?

    A. No. The bank’s permanent or temporary employees cannot participate in the promotion.

    Promotion 3:

    Travel Happy Campaign for Affordable Luxury Travel

    Travelling can be much affordable with Hong Leong Bank’s Travel Happy Campaign. In partnership with Malaysian Harmony Tour and Travel Sdn Bhd, through this campaign, you will get 15 all-inclusive luxury travel packages that are affordable through competitive interest rates and flexible tenures of repayment.

    Table (Interest Rates)

    Tenure 1 year 2 years to 3 years 4 years to 5 years
    Interest Rates 5% 6% 8%

    Campaign/Promotion Period

    The offer is valid from 1 March 2018 to 31 August 2018


    • Nationality criterion: Malaysian citizen
    • Age criteria:
      • Minimum age: 21 years
      • Maximum age: 60 years
    • Income criteria: Minimum RM24,000 p.a.

    Campaign Mechanics

    • You will have to choose a travel package from Hong Leong Personal Loan Travel Happy Campaign.
    • Then apply for a personal loan facility to see if you are qualified for the instalments plan. You will have to submit your income proof related documents at this stage.
    • Once you get the approval for the personal loan facility, you can make your booking and the bank then will disburse the approved loan funds to Malaysian Harmony Tour and Travel Sdn. Bhd., which is the travel partner for this campaign. The travel destinations include places from Europe, Italy, France, Turkey, Greece, Australia, South Africa, and Asia.
    • You can choose convenient payment tenures of up to 5 years.

    General Terms and Conditions

    • Stamp duty charges of 0.5% will be taken upfront from the loan amount before making payment to the travel partner.
    • You can be eligible for the campaign if you do not have any balance in arrears on any of your existing personal loan schemes with the bank or any other service providers.
    • The minimum applicable amount for the facility is RM5,000 and the maximum applicable loan amount is RM250,000.
    • The facility needs to be approved and distributed by the bank by 15 September 2018.
    • You need to purchase selected travel and cruise packages from the partnered firm.

    How to Apply?

    You can apply online for this facility. You need to go to the bank’s official website and click on the ‘Apply Now’ tab. You need to submit the application form for the campaign and submit it online. The bank representatives will call you regarding the further procedure.

    Alternatively, you can also call Hong Leong Contact Centre on +603 7626 8899 and speak to the customer relationship officer. He/she will guide you through the application process.

    You can also visit your nearest branch of the bank to get the application form for personal loan facility under this campaign.

    In all cases, you will have to provide the set of mandatory documents along with your application.


    Q. Will I get cash out facility with this personal loan facility?

    A. Yes, you can apply for cash out facility if you require cash for your travel or any other purposes.

    Q. Can we apply for a sum which is less than the cost of the travel package?

    A. Yes, you can apply for a lesser amount but it needs to be minimum of RM5,000.

    Q. Will there be any credit assessment if I apply for a loan under this campaign?

    A. Yes, there will be credit assessment conducted from the bank’s side, when you apply for the personal loan facility under this campaign.

    Q. Can I terminate the loan facility?

    A. Yes, you can terminate your loan facility by providing a notice 3 months in advance. If you are cancelling your travel package and have authorised Hong Leong to disburse the funds to the travel partner, the deposit cancellation terms and conditions will apply.

    Q. What are the available modes of payment?

    A. You can pay your monthly instalments via internet banking, online transfer facility, Interbank Giro (IBG), or you can also transfer via ATMs.

    Promotion 4:

    Get An Exciting Gift When You Apply For HLB Personal Loan

    Hong Leong Bank (HLB)/Hong Leong Islamic Bank (HLIB) has rolled out a new promotion to the use of the its online services. Get benefits such as bonus and goodies when you apply for personal loan online.

    Promotion Period

    The promotion commenced on 28 May 2018 and is valid until 6 July 2018.


    • You must be a Hong Leong Connect user.
    • You must be new to Hong Leong Bank Personal Loan.
    • Your age must be between 21 years and 60 years at the time of application.
    • You can be a salaried or self-employed individual.
    • Your annual income must be at least RM24,000.

    Campaign Mechanics

    When you apply for a personal loan on the Hong Leong Connect platform within the promotion period, you may get an exclusive gift.

    Get a Welcome Bonus of RM200 if:

    • You are one of the first 150 customers who applied for HLB Personal Loan/HLIB Personal Financing.
    • The disbursed loan amount is a minimum of RM20,000.

    Get an anti-theft backpack if:

    • You are one of the first 100 customers to apply for the loan.

    General Terms and Conditions

    • The gift is not exchangeable for cash or credit.
    • The terms and conditions applicable to personal loan/financing are a part of the promotional terms.

    How to Apply?

    • Log into the Hong Leong Connect website.
    • Under the Apply tab, select Personal Loan.
    • Fill up the application form.
    • Upon submission, you will receive an SMS notifying you the next step in the application process.
    • Upload the income-related documents so the application will be processed.


    Perform any banking-related operations online with the Hong Leong Connect platform. Digitising the processes not only makes your life easier but gets you some exciting gifts. Apply now, before you run out of the opportunity to get the gifts.


    Q. Am I not eligible for the promotion if I am not a Hong Leong Connect user?

    A. You need to be a Hong Leong Connect user to get the benefits of the promotion. If you are not an existing user, you can register yourself on the website or call the customer service.

    Q. How long does it take for the application to be processed?

    A. It may take up to 48 hours for your application to be processed.

    Q. What should I do if I don’t want the loan after I apply online?

    A. If your application is approved, you can always decline the offer. The loan amount will be disbursed only after you accept the loan online. You can notify the bank that you don’t want the loan.

    Q. How long does it take for the bank to disburse the loan amount?

    A. Once you accept the loan on the Hong Leong Connect platform, the loan amount will be disbursed within 30 minutes.

    Q. Should I provide a collateral or a guarantor to get the loan approved?

    A. No. You don’t have to provide a collateral or a guarantor.

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