MBSB Personal Financing-i vs BSN Personal Financing-i
By money.com.my EditorialUpdated: 7 November 2026
No paid links on this page. money.com.my earns nothing if you apply for any product listed here — every link goes to the provider’s own site. The analysis is based on published rates and terms. Our editorial standards
Side-by-side comparison
| Compare | MBSB BankMBSB Personal Financing-i | BSN (Bank Simpanan Nasional)BSN Personal Financing-i |
|---|---|---|
| Provider | MBSB Bank | BSN (Bank Simpanan Nasional) |
| Interest Rate | — | From 4.60% p.a. |
| Rate Type | variable | flat |
| Loan Amount | — | RM 5,000 – RM 400,000 |
| Tenure | — | Up to 120 months |
| BNM Licensed | Yes | Yes |
| Islamic | Yes | Yes |
| Min Income | — | RM 1,500/mo |
| Apply Online | Yes | Yes |
| Our Rating | — | 4.3/5 |
| Details | Details |
MBSB Bank
MBSB Personal Financing-i
Choose this if you want
Public-sector, GLC and private-sector employees who want Islamic personal financing and will check the package that fits them on MBSB's own page
- ✓Islamic (Shariah-compliant) personal financing
- ✓Separate packages for permanent and contract public-sector staff, GLC staff and private-sector employees
BSN (Bank Simpanan Nasional)
BSN Personal Financing-i
Choose this if you want
Muslim civil servants who want Islamic financing from 4.6% flat with ibra' rebate on early settlement
- ✓Profit rate from 4.6% flat with takaful cover (1% more without)
- ✓Ibra' (rebate) on deferred profit if you settle early
- ✓Shariah contract: Tawarruq
The bottom line
BSN Personal Financing-i 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.
None of these 2 products carries a check against the bank's own product page in our data, so confirm every figure on the bank's page. Rates and terms can change without notice; confirm with the bank before you apply.