Personal Loan Malaysia | Top 10 Personal Loans in Malaysia 2025 By MyLoanReviews.com

April 10, 2025 By: myloanreviews.com

Looking for the best personal loan in Malaysia? With so many options available, it can be overwhelming to choose the right one that suits your financial needs. Whether you’re planning a wedding, home renovation, education, or debt consolidation, the right personal loan can help you achieve your goals without overpaying on interest.

Here’s our updated list of the Top 10 Personal Loans in Malaysia for 2025, based on interest rates, approval speed, flexibility, and borrower-friendly terms.

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1. Maybank Personal Loan

Why it’s great:
✔ No guarantor required
✔ No early settlement fee (as of March 2025)
✔ Fast approval within 48 hours

• Interest Rate: From 6.50% p.a.
• Loan Amount: Up to RM100,000
• Tenure: Up to 6 years
• Minimum Income: RM2,500/month

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2. CIMB Cash Plus Personal Loan

Why it’s great:
✔ Fully online application
✔ Fixed interest rates
✔ No processing fee

• Interest Rate: From 6.88% p.a.
• Loan Amount: RM2,000 to RM100,000
• Tenure: Up to 5 years
• Minimum Income: RM2,000/month

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3. Hong Leong Bank Personal Loan

Why it’s great:
✔ Competitive fixed interest rates
✔ No collateral required
✔ Fast approval for salaried applicants

• Interest Rate: From 7.00% p.a.
• Loan Amount: RM5,000 to RM250,000
• Tenure: Up to 7 years
• Minimum Income: RM2,000/month

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4. RHB Personal Financing

Why it’s great:
✔ No guarantor required
✔ Offers both conventional and Islamic options
✔ Quick disbursement

• Interest Rate: From 6.99% p.a.
• Loan Amount: RM2,000 to RM150,000
• Tenure: Up to 7 years
• Minimum Income: RM1,500/month

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5. Bank Rakyat Personal Financing-i

Why it’s great:
✔ Popular with government servants
✔ High approval rate
✔ Takaful coverage optional

• Interest Rate: From 4.54% p.a. (for government sector)
• Loan Amount: Up to RM200,000
• Tenure: Up to 10 years
• Minimum Income: RM1,000/month (govt sector)

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6. Alliance Bank CashFirst Personal Loan

Why it’s great:
✔ Quick approval
✔ Lower interest for good credit score
✔ Option to top up existing loan

• Interest Rate: From 4.99% p.a.
• Loan Amount: RM5,000 to RM150,000
• Tenure: Up to 7 years
• Minimum Income: RM3,000/month

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7. AEON i-Cash Personal Financing

Why it’s great:
✔ Instant online pre-approval
✔ Shariah-compliant
✔ Available to private and public sector employees

• Interest Rate: From 7.92% p.a.
• Loan Amount: RM1,000 to RM100,000
• Tenure: Up to 7 years
• Minimum Income: RM1,500/month

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8. Public Bank Personal Loan

Why it’s great:
✔ Flexible repayment terms
✔ Low entry income requirement
✔ Trusted brand

• Interest Rate: From 6.99% p.a.
• Loan Amount: RM5,000 to RM150,000
• Tenure: Up to 6 years
• Minimum Income: RM2,000/month

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9. AmBank AmMoneyLine

Why it’s great:
✔ Online application available
✔ Fast approval
✔ No processing fee

• Interest Rate: From 7.99% p.a.
• Loan Amount: RM5,000 to RM50,000
• Tenure: Up to 5 years
• Minimum Income: RM2,000/month

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10. UOB Personal Loan

Why it’s great:
✔ Suitable for high-income earners
✔ Quick turnaround
✔ High loan amounts

• Interest Rate: From 5.99% p.a.
• Loan Amount: RM5,000 to RM120,000
• Tenure: Up to 5 years
• Minimum Income: RM2,000/month

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Final Thoughts

Choosing the right personal loan in Malaysia depends on your financial profile, monthly income, and repayment ability. Always compare interest rates, tenure options, and early settlement terms before applying.

💡 Tip: Look out for banks that offer zero early settlement fees (like Maybank) and fast approval for urgent financing needs.

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