BSN Personal Loan vs Maybank Personal Loan
By money.com.my EditorialUpdated: 18 October 2026
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Side-by-side comparison
| Compare | BSN (Bank Simpanan Nasional)BSN Personal Loan | MaybankMaybank Personal Loan |
|---|---|---|
| Provider | BSN (Bank Simpanan Nasional) | Maybank |
| Interest Rate | From 4.60% p.a. | From 6.50% p.a. |
| Rate Type | flat | flat |
| Loan Amount | RM 5,000 – RM 400,000 | RM 5,000 – RM 100,000 |
| Tenure | Up to 120 months | Up to 72 months |
| BNM Licensed | Yes | Yes |
| Islamic | No | No |
| Min Income | RM 1,500/mo | RM 3,500/mo |
| Apply Online | Yes | Yes |
| Our Rating | 4.3/5 | 3.9/5 |
| Details | Details |
BSN (Bank Simpanan Nasional)
BSN Personal Loan
Choose this if you want
Government servants and civil service employees who want flat rates from 4.6% with salary deduction
- ✓Flat rates 4.6%–5.3% for public-sector staff with loan insurance (1% more without)
- ✓Salary deduction (potongan gaji) available — automated repayment reduces default risk
- ✓Long tenures up to 10 years lower monthly instalments
Maybank
Maybank Personal Loan
Choose this if you want
Salaried employees who bank with Maybank and want a quick digital personal loan with no processing fee
- ✓No processing fee and no early settlement fee
- ✓Fast digital approval via MAE app (minutes for existing Maybank customers)
- ✓Large loan ceiling RM100,000
The bottom line
BSN Personal Loan scores higher overall (4.3/5). The right choice depends on your spending habits and income level — use the comparison table above to check the details that matter most to you before applying.
Rates, maximum loan amount, tenure and minimum income: checked against the bank's own product page for 1 of these 2 products, on 7 Oct 2026. The other 1 has no such check in our data, so confirm its figures on the bank's page. Rates and terms can change without notice; confirm with the bank before you apply.