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
4.88%–11.99%p.a.
Min. Income
RM 3,000/mo
Max Tenure
84months
Pros
- Minimum income RM3,000 a month (RM5,000 if self-employed)
- High loan ceiling up to RM150,000
- No processing fee and no early settlement penalty
- Online application available via AmOnline
Cons
- Rates 4.88%–11.99%; 4.88% is for selected AmBank@work customers only
- Stamp duty of 0.5% of the loan amount
- No salary deduction option — full bank-transfer repayment only
Full specifications
| Interest Rate | 4.88% – 11.99% p.a. |
| Rate Type | flat |
| Loan Amount | RM 2,000 – RM 150,000 |
| Tenure | 12 – 84 months |
| Min Income | RM 3,000/month |
| Age | 21 – 60 years |
| Apply Online | Yes |
How does AmBank Personal Loan compare?
See how it stacks up against other personal loans from Malaysian banks.
Source: AmBank's official product page. Rates, maximum loan amount, tenure and minimum income checked against it on 7 Oct 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.