Products · Personal Loans · BSN Personal Loan
BS
BSN (Bank Simpanan Nasional)
BSN Personal Loan
4.3
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.
Data sources:
- Rates verified: 13 Apr 2026