Products · Personal Loans · Public Bank Personal Loan
Public Bank
Public Bank Personal Loan
3.9
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.
Data sources:
- Rates verified: 13 Apr 2026