Cash woes? A personal loan to the rescue!

    RHB Personal Financing-i for Private

    The RHB Personal Financing-i Loan is offered for those working in private sectors. You will get reasonable interest rates with an affordable monthly instalment amount with this personal loan.

    Category Min Financing Amount Max Financing Amount EIR p.a. Flat Profit Rate p.a. (Based on Months)
    12M 18M 24M 30M 36M 42M 48M 54M 60M 72M 80M
    Tier 1 RM2,000 RM10,000 24% 13.47% 13.38% 13.45% 13.58% 13.75% 13.93% 14.12% 14.32% 14.52%
    RM11,000 RM15,000 14.93% 15.33%
    Tier 2 RM16,000 RM50,000 21% 11.74% 11.63% 11.66% 11.76% 11.88% 12.01% 12.16% 12.31% 12.46% 12.78% 13.09%
    Tier 3 RM51,000 RM99,000 18% 10.02% 9.90% 9.91% 9.97% 10.05% 10.15% 10.25% 10.36% 10.47% 10.70% 10.94%
    Tier 4 RM100,000 RM150,000 15% 8.31% 8.20% 8.18% 8.21% 8.27% 8.33% 8.40% 8.47% 8.55% 8.71% 8.87%


    Interest Rate Starting from 8.18% p.a. to 15.33% p.a. (on flat rate basis)
    Effective Rate 15% p.a. to 24% p.a.
    Minimum Loan Amount RM2,000
    Maximum Loan Amount Up to RM150,000
    Loan Tenure Up to 7 years
    Islamic/Conventional Islamic
    Debt Consolidation NA
    Takaful Coverage NA
    Approval Duration NA
    Government Servant? Yes


    • You can choose a loan amount starting from a minimum RM2,000 with a maximum of up to RM150,000.
    • You can opt for a loan tenure ranging from 1 year up to 7 years.
    • You will get to pay a low and reasonable instalment amount every month based on your loan amount and loan period.
    • You have to pay a flat rate interest for the first 12 months.
    • You need not pay any processing or disbursement fee to apply for this loan.
    • You do not have to present any collateral or guarantor to get this loan.
    • You do not need to pay your monthly instalment amount directly to the bank as it will be deducted from your salary from the 2nd month onwards.

    Fees & Charges

    Stamp Duty Charges 0.5% of total financing amount (as per the Stamp Duty Act 1949)
    Processing Fee NA
    Disbursement and Miscellaneous Fee NA
    Wakalah (agency fee) NA


    Early Settlement Charges A higher amount between RM100 or 1% of total approved loan amount
    (The penalty charges are RM200 for Easy Pinjaman Ekspres plan)
    Late Payment Charges 1% p.a. on the amount in arrears

    *(Lock-in period of 6 months is applicable)

    Eligibility Criteria

    Age Requirement NA
    Employment NA
    Minimum Income Requirement NA
    Guarantor/Collateral Requirement Not required
    Should I have a linked bank account? NA

    What documents do I need to prepare?

    Type of Applicant Documents Required
    For a salaried applicant working in:
    • MNCs
    • Non-MNCs
    • Government Sector
    • A copy of MyKad (both front and back)
    • Latest salary slip (for 1 month)
    • Latest bank statement (for 1 month)
    • EPF statements (for 6 months) (not applicable for a government employee)
    For a self-employed applicant
    • A copy of MyKad
    • Latest bank statements (for 6 months)
    • Business registration certificate or
    • Form 9, 24, 49
    • Latest B or BE form (with a validated payment receipt to LHDN)
    For a commission earning applicant
    • A copy of MyKad (front and back)
    • Latest commission statements (for 6 months)
    • Latest bank statements for 6 months
    • Latest B or BE form (with a validated payment receipt to LHDN)

    How to Apply for this loan?

    You need to download the application form which is available on the RBH website. Fill up the application form with relevant information. You need to visit the nearest branch of RHB Bank and submit your application form along with the required documents. You can track the status of your loan using the RHB internet banking facilities.


    Q. Do I require any mandatory insurance cover to get this loan? If yes, what type of insurance cover do I need to take up?

    A. Yes. An insurance cover is mandatory to get approval for this personal loan. This is to ensure repayment of the loan in event of death or permanent and total disability of the borrower. The RHB Bank has a panel of insurance operators to choose from. As a second option, you can choose your own preferred insurance operator who would be accepted by the bank as long as that insurance operator meets the minimum criteria of the bank.

    Q. Can I settle my loan fully before loan tenure ends? If yes, what are the terms and conditions associated with it?

    A. Yes. You can settle your loan fully before the loan maturity date. The bank has imposed a lock-in period of 6 months from the date your loan is approved. If you settle your loan fully within the first 6 months, then you may have to pay either an early exit fee of RM100 or 1% on your total loan amount whichever is higher. Also, the interest rate or rebate will be recalculated based on the flat interest rate where you have to pay the charges upfront. However, if you settle the loan fully after the lock-in period of the first 6 months, you do not need to pay any early termination fees.

    Q. What if I am not able to pay my monthly instalments on time?

    A. The bank expects you to pay your minimum monthly instalment amount on or before the due date specified by the branch. If you do not make the payment on time, then you need to pay a late payment fee which will add to your expenses. The late payment fee is 1% p.a. on your total outstanding amount. It would be calculated on a daily basis until your pay your outstanding due. The bank can also set-off the amount that you owe from your salary account.

    Further if you default on repayments, then the bank may take legal action against you where you need to pay extra costs, fees or expenses that bank would acquire through the legal procedure. It is recommended that you pay your minimum due amount every month on time. If your circumstances change then contact the bank immediately to discuss your situation and any repayment alternatives.

    Q. How long would it take for the bank to approve my loan?

    A. The standard process time for the bank to approve your loan is 3 working days if your application and documentation meets the criteria of the bank. The bank can also ask you for additional documents or information if required which make delay the process time depending on the situation. If the bank offers the On-Spot Approval and Disbursement (OSAD) then the whole process could take an hour approximately.

    Q. Whom do I need to contact in case of any enquiries, doubts or complaints?

    A. You can call the RHB Bank on 03-9206 8118 (Peninsular Malaysia) or 082-276 118 (Sabah and Sarawak). You can email your query or concern to [email protected] You can also visit any RHB Branches for any queries or complaints.

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