Products · Personal Loans · AmBank Personal Loan
AmBank
AmBank Personal Loan
3.4
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.
Data sources:
- Rates verified: 13 Apr 2026