Products · Personal Loans · CIMB Personal Financing-i
CIMB Bank
CIMB Personal Financing-i
3.8
Best for
Muslim borrowers who want CIMB's fast approval and low RM2,000 minimum loan with a Shariah-compliant structure and no early settlement penalty
Rate
6.00%–12.00%p.a.
Min. Income
RM 2,000/mo
Max Tenure
84months
Pros
- Ibra' rebate on early settlement — avoids the 5% penalty on the conventional product
- Same fast 1-day approval as conventional
- Low RM2,000 minimum loan
- Fully digital application
Cons
- Processing fee 1% still applies
- Minimum 2-year tenure
- Profit rate ceiling 12% flat — among the highest in the market
Full specifications
| Interest Rate | 6.00% – 12.00% p.a. |
| Effective Rate | 10.90% p.a. |
| Rate Type | flat |
| Loan Amount | RM 2,000 – RM 100,000 |
| Tenure | 24 – 84 months |
| Min Income | RM 2,000/month |
| Age | 21 – 60 years |
| Apply Online | Yes |
| Approval Time | ~1 business days |
How does CIMB Personal Financing-i compare?
See how it stacks up against other personal loans from Malaysian banks.
Data sources:
- Rates verified: 13 Apr 2026