RHB Bank
RHB Personal Financing-i
Products · Personal Loans · RHB Personal Financing-i
Best for
Muslim private sector employees wanting competitive Islamic financing with ibra' rebate on early settlement and a high RM150k ceiling
Rate
6.50%–11.00%p.a.
Min. Income
RM 2,000/mo
Max Tenure
84months
Pros
- No early settlement penalty (ibra' rebate on unearned profit)
- Same rates as conventional — no Islamic premium
- RM150,000 loan ceiling with 7-year max tenure
- Online digital application with 2-day turnaround
Cons
- Processing fee 1% still applies
- Minimum 2-year tenure
- Floor rate 6.5% flat — not the cheapest Islamic option
Full specifications
| Interest Rate | 6.50% – 11.00% p.a. |
| Effective Rate | 11.80% p.a. |
| Rate Type | flat |
| Loan Amount | RM 2,000 – RM 150,000 |
| Tenure | 24 – 84 months |
| Min Income | RM 2,000/month |
| Age | 21 – 60 years |
| Apply Online | Yes |
| Approval Time | ~2 business days |
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Rates from RHB Bank, verified 13 Apr 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.