Public Bank
Public Bank Personal Loan
Products · Personal Loans · Public Bank Personal Loan
Best for
Established Public Bank customers with a clean CCRIS record who want a high loan ceiling at a competitive flat rate
Rate
5.60%–12.00%p.a.
Min. Income
RM 3,000/mo
Max Tenure
84months
Pros
- Flat rate from 5.6% — among the lowest for private-sector-focused banks
- Highest loan ceiling at RM200,000 for a conventional personal loan
- No processing fee — saves upfront cost
- Tight credit quality means fast, predictable approvals for clean profiles
Cons
- Minimum income RM3,000 — more restrictive than CIMB/RHB at RM2,000
- Maximum tenure 7 years — same as peers but shorter than BSN/MBSB
- Best rates require existing Public Bank relationship and strong CCRIS
- Early settlement penalty 3% of outstanding
Full specifications
| Interest Rate | 5.60% – 12.00% p.a. |
| Rate Type | flat |
| Loan Amount | RM 5,000 – RM 200,000 |
| Tenure | 12 – 84 months |
| Min Income | RM 3,000/month |
| Age | 21 – 60 years |
| Apply Online | Yes |
| Approval Time | ~5 business days |
How does Public Bank Personal Loan compare?
See how it stacks up against other personal loans from Malaysian banks.
Rates from Public Bank, verified 13 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.