Loan Details
Monthly Payment
RM 675.00
Total Interest
RM 10,500.00
Total Payable
RM 40,500.00
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.
Maybank Personal Loan Quick Reference
| Loan Amount | Tenure | Rate | Monthly | Total Interest |
|---|---|---|---|---|
| RM 10,000 | 3 yrs | 8.00% | RM 344.44 | RM 2,400 |
| RM 20,000 | 3 yrs | 8.00% | RM 688.89 | RM 4,800 |
| RM 30,000 | 5 yrs | 7.00% | RM 675.00 | RM 10,500 |
| RM 50,000 | 5 yrs | 7.00% | RM 1,125.00 | RM 17,500 |
| RM 70,000 | 6 yrs | 6.50% | RM 1,351.39 | RM 27,300 |
| RM 100,000 | 6 yrs | 6.50% | RM 1,930.56 | RM 39,000 |
Flat rate calculation. Effective annual rate (EAR) ≈ 11.5%–14.7%. Rates verified May 2026 via Maybank, RinggitPlus, iMoney.
Maybank Personal Loan — Key Facts
Min Loan
RM5,000
Max Loan
RM100,000
Min Salary
RM3,500/mo
Tenure
2–6 years
Processing Fee
None
Early Settlement
No penalty
Age
21–60 years
Islamic Option
Yes (Financing-i)
Approval Time
1–3 working days
💰 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 Maybank personal loan interest rate in 2026?
What is the minimum salary for Maybank personal loan?
Does Maybank charge early settlement penalty?
How long does Maybank personal loan approval take?
Maybank personal loan vs CIMB Cash Plus — which is better?
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