Products · Personal Loans
Best Personal Loans Malaysia 2026
Unsecured personal loans from Malaysian banks — compare rates, tenure, and approval times. No hidden fees.
Looking for our top picks? Our editors ranked the best personal loans in Malaysia.
15 products · sorted by editor rating
BS
BSN (Bank Simpanan Nasional)
BSN Personal Loan
Major Bank
From
4.50% – 7.00%p.a.
Min Income
RM 1,000/mo
- +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
4.3/10
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BSN (Bank Simpanan Nasional)
BSN Personal Financing-i
Major Bankislamic
From
4.50% – 7.00%p.a.
Min Income
RM 1,000/mo
- +Same competitive rates as conventional — from 4.5% flat
- +Ibra' (rebate) on early settlement — no exit penalty
- +Shariah-compliant under IFSA 2013
4.3/10
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MBSB Bank
MBSB Personal Financing-i
Licensed Bankislamic
From
5.00% – 8.00%p.a.
Min Income
RM 1,200/mo
- +Highest loan ceiling among government-focused lenders (RM250,000)
- +Profit rate from 5% flat — second only to BSN
- +Full Islamic bank — 100% Shariah-compliant operations
4.0/10
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Public Bank
Public Bank Personal Loan
Major Bank
From
5.60% – 12.00%p.a.
Min Income
RM 3,000/mo
- +Flat rate from 5.6% — among the lowest for private-sector-focused banks
- +Highest loan ceiling at RM200,000 for a conventional personal loan
- +No processing fee — saves upfront cost
3.9/10
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Maybank
Maybank Personal Loan
Major Bank
From
6.00% – 11.00%p.a.
Min Income
RM 2,000/mo
- +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
3.9/10
Learn MoreMaybank
Maybank Skim Pembiayaan Peribadi-i
Major Bankislamic
From
6.00% – 11.00%p.a.
Min Income
RM 2,000/mo
- +No processing fee — same benefit as conventional
- +Ibra' rebate on early settlement — no exit penalty
- +Shariah-compliant under IFSA 2013
3.9/10
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CIMB Bank
CIMB Personal Financing-i
Major Bankislamic
From
6.00% – 12.00%p.a.
Min Income
RM 2,000/mo
- +Ibra' rebate on early settlement — avoids the 5% penalty on the conventional product
- +Same fast 1-day approval as conventional
- +Low RM2,000 minimum loan
3.8/10
Learn MoreCIMB Bank
CIMB Personal Cash Loan
Major Bank
From
6.00% – 12.00%p.a.
Min Income
RM 2,000/mo
- +Fastest approval — 1 business day for existing CIMB customers
- +Low minimum loan RM2,000 — useful for small, specific needs
- +Higher DSR tolerance (70%) for priority customers
3.8/10
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RHB Bank
RHB Personal Loan
Major Bank
From
6.50% – 11.00%p.a.
Min Income
RM 2,000/mo
- +Competitive floor rate (6.5% flat) among private-sector-focused banks
- +High loan ceiling up to RM150,000
- +Online application with 2-day approval
3.7/10
Learn MoreRHB Bank
RHB Personal Financing-i
Major Bankislamic
From
6.50% – 11.00%p.a.
Min Income
RM 2,000/mo
- +No early settlement penalty (ibra' rebate on unearned profit)
- +Same rates as conventional — no Islamic premium
- +RM150,000 loan ceiling with 7-year max tenure
3.7/10
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Standard Chartered Malaysia
Standard Chartered CashOne Personal Loan
Licensed Bank
From
6.49% – 14.50%p.a.
Min Income
RM 2,000/mo
- +Fastest disbursement — conditional approval and disbursement within 1 business day
- +No processing fee and no early settlement penalty — zero hidden exit costs
- +RM2,000 minimum income — accessible for fresh graduates and junior earners
3.6/10
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Hong Leong Bank
Hong Leong Personal Loan
Major Bank
From
7.00% – 12.00%p.a.
Min Income
RM 2,500/mo
- +No processing fee — saves several hundred ringgit upfront
- +High loan ceiling up to RM150,000
- +Online application available
3.5/10
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HSBC Malaysia
HSBC Amanah Personal Financing-i
Licensed Bankislamic
From
5.99% – 12.99%p.a.
Min Income
RM 3,000/mo
- +Profit rate from 5.99% flat — competitive for an international bank Islamic product
- +Ibra' rebate on early settlement — no exit penalty
- +No processing fee for standard applications
3.5/10
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Alliance Bank
Alliance Bank Personal Loan
Licensed Bank
From
6.50% – 13.50%p.a.
Min Income
RM 2,000/mo
- +Accepts self-employed borrowers — broader eligibility than Maybank/Public Bank/RHB standard personal loan
- +RM2,000 minimum income — accessible entry point
- +Online application with full digital journey
3.4/10
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AmBank
AmBank Personal Loan
Major Bank
From
6.50% – 14.00%p.a.
Min Income
RM 2,000/mo
- +RM2,000 minimum income — accessible to a wide income range
- +High loan ceiling up to RM150,000
- +Nationwide branch network (170+ branches) for in-person support
3.4/10
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