Products · Personal Loans · RHB Personal Financing-i
Best for
Private-sector employees (flat rate equivalent from 7.62%, up to RM150,000). Government and selected GLC employees can get a lower rate (from 2.63%) and up to RM300,000; government pensioners from 3.80%
From
7.62%p.a.
Min. Income
RM 3,000/mo
Max Tenure
120months
Pros
- Private sector: flat rate equivalent from 7.62% (14.00% a year effective), up to RM150,000
- Financing tenure up to 10 years
- Government and selected GLC employees: variable profit rate from 5.00% a year, flat rate equivalent from 2.63%, up to RM300,000
- Government pensioners: flat rate equivalent from 3.80%, no guarantor
Cons
- Private-sector effective rate is 20.00% (RM16,000 to RM50,000), 17.00% (RM51,000 to RM99,000) or 14.00% (RM100,000 to RM150,000), so 7.62% flat is the lowest figure, not the typical one
- Variable profit rate, so the instalment can change
- Private sector: minimum income RM3,000. Government and GLC staff: minimum income RM2,000, repaid by salary deduction
- RHB gives a 3% rebate on the effective profit rate only to customers who sign up for its takaful cover (Group Credit Family Takaful or Personal Smart Shield), until 31 December 2026
- These are 2026 campaign rates; RHB's campaign periods end 31 December 2026
Full specifications
| Interest Rate | From 7.62% p.a. |
| Rate Type | variable |
| Tenure | Up to 120 months |
| Min Income | RM 3,000/month |
| Apply Online | Yes |
How does RHB Personal Financing-i compare?
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Source: RHB Bank's official product page. Rates, maximum loan amount, tenure and minimum income checked against it on 28 Oct 2026. Product details and rates are subject to change — always confirm directly with the bank before applying.