BSN Personal Loan vs Maybank Personal Loan
By money.com.my EditorialUpdated: 26 May 2026
Affiliate disclosure: money.com.my earns a referral fee if you apply via our links. This does not affect our analysis. Our editorial standards
Side-by-side comparison
| Compare | BSN (Bank Simpanan Nasional)BSN Personal Loan | MaybankMaybank Personal Loan |
|---|---|---|
| Provider | BSN (Bank Simpanan Nasional) | Maybank |
| Interest Rate | From 4.50% p.a. | From 6.00% p.a. |
| Rate Type | flat | flat |
| Loan Amount | RM 2,000 – RM 200,000 | RM 5,000 – RM 100,000 |
| Tenure | Up to 120 months | Up to 84 months |
| Approval Time | ~5 days | ~3 days |
| BNM Licensed | Yes | Yes |
| Islamic | No | No |
| Min Income | RM 1,000/mo | RM 2,000/mo |
| Apply Online | Yes | Yes |
| Our Rating | 4.3/10 | 3.9/10 |
| Details | Details |
BSN (Bank Simpanan Nasional)
BSN Personal Loan
Choose this if you want
Government servants and civil service employees seeking the lowest flat rates in the market
- ✓Lowest flat rates in Malaysia from 4.5% p.a. for civil servants
- ✓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 for most applicants — saves RM500–RM1,000 upfront
- ✓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 (4.3/10). 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.
Product details verified from official bank websites. Rates and availability are subject to change — check with the provider before applying.