Products · Personal Loans · Best
Best Personal Loans in Malaysia
Our editors' picks for the best personal loans in Malaysia — ranked on rates, fees, and eligibility. Independent analysis, no paid placement.
Our ranked lists
Top-rated right now
BSN (Bank Simpanan Nasional)
BSN Personal Financing-i
IslamicMajor Bankislamic
From
4.60%p.a.
Min Income
RM 1,500/mo
- +Profit rate from 4.6% flat with takaful cover (1% more without)
- +Ibra' (rebate) on deferred profit if you settle early
- +Shariah contract: Tawarruq
4.3/5
BSN (Bank Simpanan Nasional)
BSN Personal Loan
Major Bank
From
4.60% – 5.30%p.a.
Min Income
RM 1,500/mo
- +Flat rates 4.6%–5.3% for public-sector staff with loan insurance (1% more without)
- +Salary deduction (potongan gaji) available — automated repayment reduces default risk
- +Long tenures up to 10 years lower monthly instalments
4.3/5
MBSB Bank
MBSB Personal Financing-i
IslamicLicensed Bankislamic
From
3.06%p.a.
Min Income
RM 3,000/mo
- +Financing up to RM250,000 for permanent public-sector and selected GLC staff (up to RM400,000 under Afdhal-i for contract staff and premium customers, at a higher rate)
- +Rates from 3.06% flat equivalent (variable, SBR + 3.05%) for permanent public-sector and selected GLC staff
- +Shariah contract: Tawarruq
4.0/5
Maybank
Maybank Skim Pembiayaan Peribadi-i
IslamicMajor Bankislamic
From
6.50% – 8.00%p.a.
Min Income
RM 3,500/mo
- +No processing fee — same benefit as conventional
- +Ibra' rebate on early settlement — no exit penalty
- +Shariah contract: Murabahah via Tawarruq
3.9/5
Maybank
Maybank Personal Loan
Major Bank
From
6.50% – 8.00%p.a.
Min Income
RM 3,500/mo
- +No processing fee and no early settlement fee
- +Large loan ceiling RM100,000
- +Wide branch network for non-digital applications
3.9/5
CIMB Bank
CIMB Personal Cash Loan
Major Bank
From
4.38% – 19.88%p.a.
Min Income
RM 2,000/mo
- +No processing fee and no early settlement fee
- +Rates 4.38%–19.88% a year; 4.38% is for CIMB Preferred customers only
- +Fully online application via CIMB Clicks
3.8/5