AmBank
AmBank Personal Loan
Products · Personal Loans · AmBank Personal Loan
Best for
Private sector employees with a mid-range income profile who want a straightforward personal loan with broad AmBank branch coverage
Rate
6.50%–14.00%p.a.
Min. Income
RM 2,000/mo
Max Tenure
84months
Pros
- 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
- Online application available via AmOnline
Cons
- Floor rate 6.5% flat — not the cheapest in market
- Processing fee 1.5% — higher than most competitors
- Ceiling rate up to 14% flat for lower-credit profiles — among the highest quoted
- No salary deduction option — full bank-transfer repayment only
Full specifications
| Interest Rate | 6.50% – 14.00% p.a. |
| Rate Type | flat |
| Loan Amount | RM 5,000 – RM 150,000 |
| Tenure | 12 – 84 months |
| Min Income | RM 2,000/month |
| Age | 21 – 60 years |
| Apply Online | Yes |
| Approval Time | ~5 business days |
How does AmBank Personal Loan compare?
See how it stacks up against other personal loans from Malaysian banks.
Rates from AmBank, verified 13 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.