Cash woes? A personal loan to the rescue!

    RHB Easy-Pinjaman Ekspres Personal Loan

    RHB Easy-Pinjaman Ekspres is a easy personal loan which comes with on-the-spot approvals and carries no hidden fees or charges. The loan provides for low repayment amounts and flexible loan tenures.

    Interest Rates

    Loan Amount Loan Tenure Min. Income Profit Rate
    From RM2,000 to RM150,000 Up to 7 years NA Flat interest rate starting from 8.31% p.a. to 15.33% p.a.
    Know More About Personal Loan Rates 2019


    Interest Rate Flat interest rate: Starting from 8.31% p.a. to 15.33% p.a.
    Effective Interest Rate Up to 24% p.a.
    Minimum Loan Amount RM2,000
    Maximum Loan Amount Up to RM150,000
    Loan Tenure Up to 7 years (84 months)
    Islamic/Conventional Conventional
    Debt Consolidation NA
    Takaful/Insurance CoverageĀ  Not Mandatory
    Approval Duration 10 minutes or on-the-spot approval and disbursement
    Government Servant? Yes


    • You can get the Personal loan approved and disbursed on the spot, within 10 minutes provided you meet the required eligibility criteria.
    • You can pay a low instalment amount each month starting from RM57.54 depending on your loan amount and loan tenure.
    • You can opt for flexible loan tenures starting from 1 year (12 months) up to 5 years (60 months).
    • You can apply for a loan amount ranging from a minimum of RM2,000 up to a maximum of RM150,000.
    • You can conveniently pay the monthly instalment amount through standing instruction.
    • You will get a Visa Debit Card with your approved loan.
    • You need not present any guarantor or collateral to acquire this loan.
    • You will have to pay a flat interest rate for the first 12 months, and from then the rate interest may vary based on your loan tenure.
    • You need not pay any processing fee or disbursement charges.
    • You need not pay any early termination fee when you settle the loan fully after the first 6 months from the date the loan was disbursed.
    • You need not pay the annual fee for the Easy-Smart Debit Card for the first year of your loan tenure.

    Fees & Charges

    One-Time Fee -
    Stamp Duty Charges As per the Stamp Duty Act 1949 (Revised in 1989)
    Processing Fee NA
    Disbursement and Miscellaneous Fees NA
    Goods and Service Tax (GST) 6% GST is currently not applicable on stamp duties


    Early Settlement RM200
    Late Payment Charges 1% p.a. on the outstanding amount
    Personal Loan Fees & Charges from Various Banks in Malaysia


    Age Requirement 21 to 55 years
    Employment Salaried, Self-Employed, or Commission Earner
    Minimum Income Requirement RM1500 p.m.
    Guarantor/Collateral Requirement Not Required
    Should I have a linked bank account? Yes, the bank will disburse the approved loan amount to your account

    What Documents Do I Need to Prepare for this Personal Loan

    For Salaried Employees For Self-Employed Applicants For Commission Earners
    • Copy of MyKad (Front and back)
    • Salary slip for 1 month
    • Bank statement for 1 month
    • EPF statements for 6 months (Not required for government sector employees)
    • Copy of MyKad (Front and back)
    • Business Registration Certificate, or Form 9, 24, 49
    • Bank statements for 6 months
    • Latest B/BE Form (With authentic payment receipt to LHDN)
    • Copy of MyKad (Front and back)
    • Commission statements for 6 months
    • Bank statements for 6 months
    • Latest B/BE Form (With authentic payment receipt to LHDN)

    How to Apply for RHB Easy-Pinjaman Ekspres Loan?

    • You can visit the nearest RHB branch along with your required documents to apply for the loan.
    • You can fill the online form available on RHB Easy-Pinjaman Ekspres website, and you will be contacted by RHB Bank within 3 days.


    Q. Where can I get assistance with regard to my loan application and repayment?

    A. You can visit the RHB website or any RHB Easy Outlet. You can also call easy rhb customer service 03-9206 8118 for any queries regarding loan application. You should contact the RHB Bank if you have any problems or difficulties in making repayments.

    Q. Do I need any insurance coverage to for this loan?

    A.A. You can opt for either Personal Smart Shield (PSS) or Easy-Insurans Kasih Income Aid (EIKIA) when you apply for this loan. These are optional insurance policies available along with the loan.

    Q. What if my contact details change?

    A.A. You need to inform the bank immediately of any changes so that the bank can send your notifications on time to the right place. You can call the customer care number at 03-9206 8118 to update your contact details.

    Q. What happens if I fail to make my repayments on time?

    A.A. You may have to pay a late payment fee if you fail to pay your monthly instalment on time. If you fail to pay 3 consecutive monthly instalments, then the bank may increase the financing rate. The bank may also take legal action against you that will cost you extra charges, and affect your credit rating.

    Q. Can I pay more than the required monthly instalment amount?

    A.A. Yes. The extra amount you pay will be considered as an advance payment. If your advance payments are sufficient enough to cover your monthly repayment amount, then your monthly due date will be scheduled to a later date.

    This Page is BLOCKED as it is using Iframes.