Loan Details
Monthly Payment
RM 943.56
Total Profit
RM 6,614
Total Payable
RM 56,614
Sehingga RM225 Ganjaran — GX Bank FlexiCredit & Biz FlexiLoan
RM225Had kredit peribadi & perniagaan sehingga RM150,000. Kelulusan dalam minit.
Didn't Qualify for a Bank Loan? Licensed Alternatives — Up to RM20,000
KPKT-licensed digital lender (Lesen WL6646/14/01-6/301127) · Wawasan Cojaya Sdn Bhd — not a bank, higher cost than the bank loans above
Up to RM20,000
Reusable credit line ("Duit Again"). 0% interest if repaid within 30 days, or split into 12 instalments.
- • Only MyKad required
- • Approval & payout same day
- • Limit refills as you repay
RM320 – RM6,000
Tawarruq (Commodity Murabahah) financing — Shariah-certified, structured to avoid riba.
- • Only MyKad required
- • Ages 18–60, Malaysian citizens
- • 10% p.a. late charge if overdue
Both are licensed money-lending products regulated by KPKT, not bank loans — approval is faster and easier, but cost is higher than a bank personal loan. If you qualify for a bank loan, compare that first.
BSN MyRinggit-i Quick Reference
| Amount | Tenure | Rate | Monthly | Total Profit |
|---|---|---|---|---|
| RM 10,000 | 3 yrs | 4.80% | RM 298.81 | RM 757 |
| RM 30,000 | 5 yrs | 5.00% | RM 566.14 | RM 3,968 |
| RM 50,000 | 5 yrs | 5.00% | RM 943.56 | RM 6,614 |
| RM 100,000 | 10 yrs | 5.30% | RM 1,075.38 | RM 29,046 |
| RM 200,000 | 10 yrs | 5.30% | RM 2,150.76 | RM 58,091 |
| RM 400,000 | 10 yrs | 5.30% | RM 4,301.52 | RM 116,182 |
Islamic profit rate on reducing balance, with insurance, public sector (BPA). Rates verified May 2026 via BSN, RinggitPlus, iMoney.
BSN MyRinggit-i — Key Facts
Min Financing
RM5,000
Max Financing
RM400,000
Min Salary
RM1,500/mo
Tenure
1–10 years
Rate From
4.60% p.a.
Islamic (Shariah)
Yes
Eligible
Govt / GLC staff
Account Required
BSN GIRO/GIRO-i
Late Penalty
1% p.a. ta'widh
💰 Personal loan — check if you qualify
Min income RM3,000/mo · Compare Islamic & conventional
Al Rajhi Personal Financing-i
Islamic · No ribaShariah-compliant · Fixed monthly payment · Min income RM3,000/mo
Up to RM150,000
Apply →
Alliance CashFirst Personal Loan
ConventionalCompetitive rate · Fast approval · Min income RM3,000/mo
Up to RM200,000
Apply →
Alliance CashVantage Financing-i
Islamic · Alliance BankShariah-compliant · Alliance Bank · Min income RM3,000/mo
Up to RM150,000
Apply →
RHB Personal Financing
Quick apply · No commitmentFast eligibility check · Min income RM2,000/mo · No collateral
Up to RM150,000
Apply →
Via RinggitPlus · Free eligibility check · No commitment
Frequently Asked Questions
What is BSN personal loan interest rate in 2026?
Who can apply for BSN MyRinggit personal loan?
BSN vs Bank Rakyat personal loan — which is better?
How to apply for BSN MyRinggit loan?
What happens if I miss a BSN loan payment?
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