Products · Personal Loans · BSN Personal Financing-i
Best for
Muslim civil servants who want Islamic financing from 4.6% flat with ibra' rebate on early settlement
From
4.60%p.a.
Min. Income
RM 1,500/mo
Max Tenure
120months
Pros
- Profit rate from 4.6% flat with takaful cover (1% more without)
- Ibra' (rebate) on deferred profit if you settle early
- Shariah contract: Tawarruq
- No compounding interest on late payments (ta'widh structure)
Cons
- Best profit rates still limited to government/GLC employees
- Branch-based for most applications — limited digital experience
- Wakalah fee of RM30
Full specifications
| Interest Rate | From 4.60% p.a. |
| Rate Type | flat |
| Loan Amount | RM 5,000 – RM 400,000 |
| Tenure | 12 – 120 months |
| Min Income | RM 1,500/month |
| Age | 18 – 60 years |
| Apply Online | Yes |
How does BSN Personal Financing-i compare?
See how it stacks up against other personal loans from Malaysian banks.
Source: BSN (Bank Simpanan Nasional)'s official product page. Our data holds no check of these figures against it, so confirm them there. Product details and rates are subject to change — always confirm directly with the bank before applying.