BSN (Bank Simpanan Nasional)
BSN Personal Loan
Products · Personal Loans · BSN Personal Loan
Best for
Government servants and civil service employees seeking the lowest flat rates in the market
Rate
4.50%–7.00%p.a.
Min. Income
RM 1,000/mo
Max Tenure
120months
Pros
- Lowest flat rates in Malaysia from 4.5% p.a. for civil servants
- Salary deduction (potongan gaji) available — automated repayment reduces default risk
- Long tenures up to 10 years lower monthly instalments
- Low minimum income (RM1,000) broadens eligibility
Cons
- Best rates limited to government and GLC employees — private sector rates are 6%+
- Branch-heavy approval process — not fully digital for all applicants
- Processing fee 1% applies to most tiers
Full specifications
| Interest Rate | 4.50% – 7.00% p.a. |
| Effective Rate | 8.20% p.a. |
| Rate Type | flat |
| Loan Amount | RM 2,000 – RM 200,000 |
| Tenure | 12 – 120 months |
| Min Income | RM 1,000/month |
| Age | 18 – 60 years |
| Apply Online | Yes |
| Approval Time | ~5 business days |
How does BSN Personal Loan compare?
See how it stacks up against other personal loans from Malaysian banks.
Rates from BSN (Bank Simpanan Nasional), verified 13 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.