Alliance Bank CashFirst Personal Loan
| Pay | Profit Rate | Max. Financing Amount | Total payment |
| RM 875 / mth | 5.37% p.a. | RM 250,000 | RM 10,537 |
| Pay | Profit Rate | Max. Financing Amount | Total payment |
| RM 875 / mth | 5.37% p.a. | RM 250,000 | RM 10,537 |
Walk in 930am to open an account tie to loan account, guees what, it only completed at 11am!!! Yes, not typo error, 1.5 hours to open an account.
Reason given: you have no appointment… although we are the only customer when we walk in….think they need 1.5 hours to prepare psychologically ready to serve a customer …wonder how this bank still survive…🤔
Worst customer service experience with this bank. Unfriendly & unhelpful & rude counter staff name Doreena.. I told her I couldn’t update my latest address online, she asked me to go back to my branch to do it.. which is in Sabah.. I asked her r u serious? R u for real? Now is year 2022, high tech & all go digital & u want me to go back to my own branch just to update an address?? Stupidity really have no medician can cure.. Then only she said if she do it may take time to update.. Duh?? Lazy also, imagine she can passed u the bank tablet through the counter window hole & ask u to type yr address, actually all info were on the document I furnish her.. More ridiculous is she then ask u to fill up the same address on the specimen card.. Bloody lazy!! That’s where I Iost my cool, she deserved a piece of my mind..
Seem so many bad reviews here, even from long time ago, but the bank doesn’t seems like doing anything to improve.. Sad..
To admin, please don’t reply me with the robotic standard reply to lodge report thru fb blah blah blah.. When yr customers take their time to write a reviews and all, r u all take it seriously & do something about it? By the way, I have already called yr ccusomer service, let’s see how serious is yr bank to my feedbacks.. Otherwise just a waste of my time & energy to write reviews & called the customer service..
There are no hidden charges—just make sure not to miss your payment deadlines! If you’re late, there will be a penalty, but nothing too extreme.
It’s important to ensure your loan is for something worthwhile, something that justifies the effort of paying it off over 36 months.
Personally, I always go for easy payment plans or balance transfers for my credit card—it’s all essentially the same in the end!
Janganlah terlalu naif. Kadar 6.88% tu biasanya untuk orang bergaji RM10k ke atas dan kategori low risk je.
Kalau gaji kau RM3k:
Paling rendah pun 8.88%, itu pun kalau kau low risk.
Kalau medium risk, kadar naik ke 10.38%.
Kalau high risk, siap sedia bayar 11.88%!
Alliance bank not for human use one
Alliance is a great option for loan consolidation through a mortgage. I often recommend them to my clients for specific situations. For those who can’t consolidate loans through regular methods due to a high Debt Service Ratio (DSR), Alliance still has solutions to make it work.
I opened a KFH bank account, and now the branch in Kota Damansara is closing—just my luck! I initially opened it for their contest, but when the same person keeps winning every month, you can tell something’s fishy. That guy probably has billions parked there to bag the prizes consistently.
Yes have some safety deposit box there
And some fx accounts
Now also focusing on consumer especially with the Alliance ONE Account programme.
Want to say little branch, wait til you see other banks with even lesser branches but has a good customer base. lol.
The repayment options are quite flexible, and I appreciate that there are no hidden charges. However, I wish they had a lower interest rate for medium-risk customers like me. Still, a good experience overall.
Interest Rate
Alliance Bank offers attractive interest rates starting from 4.99% p.a., depending on your loan amount and repayment period.
| Borrow Amount | Loan Period | Minimum Income | Interest Rate |
|---|---|---|---|
| RM5,000 – RM300,000 | 12 months | RM36,000 | 4.99% p.a. |
| RM5,000 – RM300,000 | 24 months | RM36,000 | 5.99% p.a. |
| RM5,000 – RM300,000 | 36 to 48 months | RM36,000 | 9.99% p.a. |
| RM5,000 – RM300,000 | 60 to 84 months | RM36,000 | 11.18% p.a. |
| RM5,000 – RM300,000 | 60 to 84 months | RM36,000 | 16.68% p.a. |
Note: The final rate is subject to the bank’s assessment and approval.
Malaysian citizens aged between 21 to 60 years can apply for the Alliance Bank CashFirst Personal Loan, provided they meet the following income criteria:
You can use the Alliance Bank CashFirst Personal Loan for a variety of purposes, such as:
Alliance Bank processes applications within 2 to 3 working days, and disbursement can be done as quickly as within 24 hours for approved applications under the Same Day Cash feature.
To apply for this loan, you will need the following documents:
If you have a poor credit history due to missed payments or outstanding debts, Alliance Bank may still consider your application if you show evidence of improved financial management. The bank will assess your eligibility based on your current credit standing, and your credit report will be reviewed via CCRIS and CTOS.
To apply for Alliance Bank CashFirst Personal Loan, follow these steps:
With Alliance Bank CashFirst Personal Loan, you can enjoy competitive interest rates, no collateral required, and the chance to earn cashback on your interest payments. Apply today to take control of your financial future!