• Personal Loan BYTES FROM OUR KITCHEN

    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 & Table 2018

    The interest on RHB Easy-Pinjaman Ekspres loan is calculated on a flat rate, and will vary as per the repayment tenure from 12 months onwards. The interest rate is based on tier system and starts from 8.18% p.a. You will be charged the interest upfront on the approved loan amount.

    Category Minimum (RM) Maximum (RM) Effective Interest Rate p.a. Flat Interest Rate p.a. 12 Months Flat Interest Rate p.a. 24 Months Flat Interest Rate p.a. 36 Months Flat Interest Rate p.a. 48 Months Flat Interest Rate p.a. 60 Months
    Tier 1 2,000 15,000 24% 13.47% 13.45% 13.75% 14.12% 14.52%
    Tier 2 16,000 50,000 21% 11.74% 11.66% 11.68% 12.16% 12.46%
    Tier 3 51,000 99,000 18% 10.02% 9.91% 10.05% 10.25% 10.47%
    Tier 4 100,000 150,000 15% 8.31% 8.18% 8.27% 8.40% 8.55%

    Features and Benefits

    • 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

    Fee Details Fees & Charges
    Processing Fee No charges for approved loans.
    Disbursement Fee No charge.
    Late Payment Fee (1%) p.a. of payment in arrears due Calculated on daily basis until arrears paid in full.
    Early Termination Fee RM200 when loan is fully settled within first 6 months.
    Stamp Duty As per Stamp Duty Act 1949 (Revised in 1989)

    RHB Easy-Pinjaman Ekspres Loan Eligibility

    Age Criteria

    • Minimum Age: 21 years
    • Maximum Age: 55 years

    What documents do I need to prepare for RHB Easy-Pinjaman Ekspres Personal Loan

    Salaried Applicants

    • Copy of MyKad
    • Salary Slip or Commission Statement (1 month)
    • Bank Statement (1 month)
    • EPF Statement (6 months)

    Self Employed Applicants

    • Copy of MyKad
    • Form 9, 24, 49 or Business Registration Statement
    • Bank Statement (6 months)
    • Latest Form B/BE (with validated receipt of payment to LHDN)

    Commission Earning Applicants

    • Copy of MyKad
    • Salary Slip or Commission Statement (6 months)
    • Bank Statement (6 months)
    • Latest Form B/BE (with validated receipt of payment 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.

    FAQs

    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.

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