HSBC Malaysia
HSBC Amanah Personal Financing-i
Products · Personal Loans · HSBC Amanah Personal Financing-i
Best for
Muslim professionals earning RM3,000+ who want Shariah-compliant financing from an international bank with full digital application capability
Rate
5.99%–12.99%p.a.
Min. Income
RM 3,000/mo
Max Tenure
84months
Pros
- Profit rate from 5.99% flat — competitive for an international bank Islamic product
- Ibra' rebate on early settlement — no exit penalty
- No processing fee for standard applications
- Strong digital experience via HSBC MY app (3-day disbursement)
Cons
- Minimum income RM3,000 — narrower eligibility than CIMB/RHB Islamic products at RM2,000
- Only 28 branches in Malaysia — limited in-person support outside major cities
- Best rates reserved for HSBC Amanah priority banking customers
- Ceiling rate 12.99% flat for lower-credit profiles
Full specifications
| Interest Rate | 5.99% – 12.99% p.a. |
| Rate Type | flat |
| Loan Amount | RM 5,000 – RM 150,000 |
| Tenure | 12 – 84 months |
| Min Income | RM 3,000/month |
| Age | 21 – 60 years |
| Apply Online | Yes |
| Approval Time | ~3 business days |
How does HSBC Amanah Personal Financing-i compare?
See how it stacks up against other personal loans from Malaysian banks.
Rates from HSBC Malaysia, verified 13 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.