Live offers across tracked providers in Malaysia — updated daily from the Giraffy database.
21 live offers compared from 15 providers, from 0.58% APR. Updated daily.
0.58% APR
Platform perbandingan pinjaman peribadi terkemuka di Malaysia — bandingkan 20+ bank dalam beberapa minit.
0.58% APR
Standard Chartered's CashOne dengan kadar serendah 6.99% setahun untuk peminjam yang layak.
0.68% APR
Pinjaman peribadi Maybank dengan kadar bulanan yang kompetitif dan kelulusan yang cepat.
0.75% APR
Pinjaman peribadi CIMB yang popular dengan kadar bulanan tetap dan pembayaran segera.
0.78% APR
Pinjaman peribadi Public Bank dengan kadar tetap yang rendah untuk pelanggan sedia ada.
0.80% APR
Pembiayaan peribadi Islamik MBSB Bank dengan jumlah pinjaman yang tinggi tersedia.
0.83% APR
Pinjaman peribadi HSBC dengan kelulusan cepat dan kadar yang kompetitif.
0.83% APR
Pinjaman peribadi Hong Leong Bank dengan pilihan pembayaran balik yang fleksibel.
0.88% APR
Pembiayaan peribadi RHB Islamic dengan kadar keuntungan yang kompetitif.
0.88% APR
Pinjaman CashFirst Alliance Bank dengan dokumentasi mudah dan pembayaran cepat.
0.90% APR
Pembiayaan peribadi AmBank Islamic dengan kadar keuntungan yang kompetitif.
0.93% APR
Pembiayaan peribadi-i Bank Islam dengan pelan pembayaran balik berstruktur.
0.95% APR
Pembiayaan peribadi Affin Islamic berdasarkan kontrak Tawarruq.
0.99% APR
Pembiayaan peribadi Islam bank koperasi terbesar di Malaysia — potongan gaji tersedia.
3.80% APR
4.25% APR
4.25% APR
4.59% APR
4.99% APR
RM160 /month
RM160 /month
A personal loan is an unsecured loan you can use for almost any purpose, such as debt consolidation, home renovation, medical bills, education or a large purchase. You borrow a lump sum and repay it in fixed monthly instalments over an agreed term. Malaysian personal financing comes in conventional and Shariah-compliant (personal financing-i) forms, and because it is unsecured it usually carries higher rates than a secured loan like a mortgage.
Personal loans in Malaysia are offered by commercial banks, Islamic banks and cooperatives, with pricing typically quoted as a flat rate that converts to a higher effective rate. Rates depend heavily on your income, employment type and credit standing recorded in CCRIS and CTOS. Government-linked and cooperative lenders often serve civil servants with salary-deduction schemes, while Islamic personal financing-i uses Tawarruq or similar structures instead of interest. Terms usually run up to a few years.
Flexible use — Funds can go toward almost any legitimate purpose, from consolidating debt to funding a wedding or renovation.
Fixed instalments — Flat-rate structures give predictable monthly repayments for easy budgeting.
No collateral — As unsecured lending, you do not need to pledge property or assets.
Islamic financing-i — Shariah-compliant personal financing offers an interest-free alternative structure.
Compare the effective interest rate, not just the flat rate, along with any processing fee, stamp duty and early-settlement terms. Check the maximum tenure and loan amount you qualify for against your debt service ratio. Consider whether a conventional or Islamic product suits you, whether salary deduction is available, and how quickly funds disburse. Borrow only what you need, as longer tenures raise total interest paid.
Maybank, CIMB, Public Bank, Hong Leong Bank and RHB Bank are major conventional personal-loan providers. Bank Islam offers Shariah-compliant personal financing-i, and MBSB Bank and Bank Rakyat are prominent for personal financing, particularly through salary-deduction schemes serving civil servants and cooperative members. Each targets different borrower profiles, so compare eligibility and effective rates across a few before committing.
Flat rates commonly range from under 1% up to around 5% per year depending on the lender and your profile, which translates to a higher effective annual rate. The brief's spread from roughly 0.58% to 4.99% reflects this flat-rate range. On top of interest, expect a processing fee and stamp duty on the loan agreement. Early settlement may attract a rebate under the Rule of 78 but rarely refunds all remaining interest.
Bank and Islamic-bank personal loans are licensed and supervised by Bank Negara Malaysia (BNM), which enforces responsible-lending guidelines including debt service ratio checks. Cooperative lending falls under the Malaysia Co-operative Societies Commission (SKM). Product disclosure sheets are mandatory, and disputes can be escalated to the Ombudsman for Financial Services. Avoid unlicensed moneylenders, who fall outside these protections.
How is a flat rate different from the real cost? A flat rate charges interest on the full original sum for the whole term, so the effective annual rate is meaningfully higher; ask for the effective rate.
What affects my approval and rate? Your income, employment type and credit record in CCRIS and CTOS, plus your existing debt service ratio, determine eligibility and pricing.
Can I settle early? Yes, and you may receive a rebate calculated under the Rule of 78, though it refunds less the later you settle.
Giraffy tracks 5 personal loan products across Loanstreet,Standard Chartered Malaysia,Maybank,CIMB Malaysia,Public Bank lenders in Malaysia. Compare by APR or representative rate — this includes all standard fees, making it the fairest comparison metric.
Lenders set your individual rate based on credit score, income, existing debts, employment status, and loan amount. The representative rate shown on adverts is offered to at least 51% of successful applicants — your actual rate may be higher. Use eligibility checkers that run a soft search (no credit score impact) to see likely rates before applying.
Personal loan amounts vary by lender and market. Unsecured products are typically available from a few hundred to tens of thousands in local currency, without requiring collateral. Secured products can go higher but put an asset at risk if you miss payments.
An unsecured personal loan is based purely on your creditworthiness — no collateral required. A secured product is backed by an asset (usually your home), so you can often borrow more and at a lower rate, but the asset is at risk if you miss payments. Most personal loan products are unsecured.
Most lenders allow early repayment, but may charge an early repayment or settlement fee — typically 1–2 months' interest on the outstanding balance. Check the terms before signing. If you're likely to pay off early, factor this cost into your total repayment calculation.
Many lenders in Malaysia offer same-day or next-day funding once your application is approved and documents verified. Online-only lenders tend to be faster than traditional banks. Larger loans or complex applications may take a few extra working days.
APR (Annual Percentage Rate) includes both the interest rate and any mandatory fees, expressed as an annual percentage of the loan. It's the only standardised metric that allows true like-for-like comparison across lenders. Always compare APRs rather than headline interest rates when shopping.