Products · Personal Loans · BSN Personal Loan
Best for
Government servants and civil service employees who want flat rates from 4.6% with salary deduction
Rate
4.60%–5.30%p.a.
Min. Income
RM 1,500/mo
Max Tenure
120months
Pros
- 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
- Minimum income RM1,500 a month
Cons
- Best rates limited to government and GLC employees — private sector rates are 6%+
- Branch-heavy approval process — not fully digital for all applicants
- BSN may charge its actual costs if you settle early
Full specifications
| Interest Rate | 4.60% – 5.30% 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 |
| 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)'s official product page, verified 13 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.