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Home›Loan›Public Bank Personal Loan Calculator
🏦 Public Bank · 3.99% Flat · Min RM1,500/mo

Public Bank Personal Loan Calculator Malaysia 2026

Calculate monthly instalment for Public Bank BAE AG Personal Financing at 3.99% flat p.a. — one of the lowest rates in Malaysia with the lowest minimum income requirement of RM1,500/month.

Calculate Your Monthly Payment

RM5,000RM150,000
1 year10 years
Monthly Payment
RM600
Total Interest
RM5985
Total Payable
RM35985
Flat Rate
3.99% p.a.
RM30,000 over 5 years: Monthly payment of RM600, total interest RM5985 (3.99% flat = ~7.8% effective p.a.). Min salary required: RM1,500/month (monthly payment ≤ 60% of gross income).

Sehingga RM225 Ganjaran — GX Bank FlexiCredit & Biz FlexiLoan

RM225

Had kredit peribadi & perniagaan sehingga RM150,000. Kelulusan dalam minit.

💼RM100 — Mohon FlexiCredit & keluarkan dari had kredit peribadi
🏢RM125 — Mohon Biz FlexiLoan & keluarkan dari had kredit perniagaan
Kod Rujukan:OOIY691
💼 FlexiCredit Peribadi (RM100) →🏢 Biz FlexiLoan (RM125) →

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

TambadanaConventional

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
Check Tambadana Eligibility →
TazeeShariah-compliant

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
Check Tazee Eligibility →

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.

Quick Reference — Common Loan Amounts

AmountTenureMonthlyTotal Interest
RM10,0003 yrRM311RM1197
RM20,0003 yrRM622RM2394
RM30,0005 yrRM600RM5985
RM50,0005 yrRM1000RM9975
RM80,0007 yrRM1218RM22344
RM100,00010 yrRM1166RM39900

3.99% flat p.a. · Public Bank BAE AG Personal Financing · Verified June 2026

Public Bank Personal Loan — Product Details

Product NameBAE AG Personal Financing (Conventional) / BAE-i (Islamic)
Interest Rate3.99% flat p.a. — one of the lowest in Malaysia
Effective Rate~7.3% p.a. (varies by tenure)
Minimum IncomeRM1,500/month — lowest requirement among major banks
Loan AmountRM5,000 – RM150,000
Tenure1 – 10 years (12 – 120 months)
Age Requirement21 – 60 years old (Malaysian citizens)
Early SettlementAllowed — interest rebate via Rule of 78
Annual FeeNone (no annual fee or hidden charges)
Islamic OptionYes — BAE-i Personal Financing (Shariah-compliant)

Source: RinggitPlus, Logmasuk.my · Verified 2026. Rates subject to change — confirm with Public Bank before applying.

💰 Personal loan — check if you qualify

Min income RM3,000/mo · Compare Islamic & conventional

Al Rajhi Personal Financing-i

Islamic · No riba

Shariah-compliant · Fixed monthly payment · Min income RM3,000/mo

Up to RM150,000

Apply →

Alliance CashFirst Personal Loan

Conventional

Competitive rate · Fast approval · Min income RM3,000/mo

Up to RM200,000

Apply →

Alliance CashVantage Financing-i

Islamic · Alliance Bank

Shariah-compliant · Alliance Bank · Min income RM3,000/mo

Up to RM150,000

Apply →

RHB Personal Financing

Quick apply · No commitment

Fast eligibility check · Min income RM2,000/mo · No collateral

Up to RM150,000

Apply →

Via RinggitPlus · Free eligibility check · No commitment

Public Bank vs Other Banks — Personal Loan Comparison

BankFlat RateMin IncomeMax Amount
GXBank FlexiCredit
Revolving credit — lowest EIR
6.45% EIRRM1,500/moRM150,000
Public Bank
Best fixed-term loan
3.99% flat (~7.3% EIR)RM1,500/moRM150,000
CIMB Cash Plus
From 4.38% flatRM2,000/moRM100,000
BSN MyRinggit
From 6.00%RM3,000/moRM400,000
Maybank
6.50–8.00%RM3,500/moRM100,000
Bank Rakyat (private)
From 9.41% flatRM2,000/moRM400,000

✅ Public Bank wins on lowest flat rate (3.99%) and lowest minimum income (RM1,500/mo) among major Malaysian banks. See full comparison →

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Related Calculators

🏆
Best Personal Loan Malaysia 2026
Full comparison — all major banks ranked by rate
🏦
Maybank Personal Loan Calculator
6.50–8.00% · Min RM3,500/mo · RM100k max
🏛️
Bank Rakyat Personal Loan Calculator
From 3.42% for civil servants · RM400k max
💼
Personal Loan by Salary Calculator
Check eligibility + max borrowing based on your salary

Frequently Asked Questions

What is Public Bank personal loan interest rate in 2026?
Public Bank personal loan (BAE AG Personal Financing) has a flat rate of 3.99% p.a. in 2026 — one of the lowest personal loan rates in Malaysia. On a RM50,000 loan over 5 years at 3.99% flat, total interest is RM9,975 and monthly payment is approximately RM998. The equivalent effective annual rate is approximately 7.3% p.a. Public Bank also offers an Islamic variant (BAE-i) at similar rates. Source: RinggitPlus, Logmasuk.my.
What is the minimum salary for Public Bank personal loan?
Public Bank personal loan requires a minimum monthly salary of RM1,500 — the lowest minimum income requirement among major Malaysian banks in 2026. Eligible applicants: Malaysian citizens aged 21–60, salaried employees and government workers. Maximum loan: RM150,000. Maximum tenure: 10 years. Both conventional and Islamic (BAE-i Financing) options available.
How do I apply for a Public Bank personal loan?
Apply for a Public Bank personal loan by: (1) Visiting any Public Bank branch with your MyKad, 3 months payslips, 3 months bank statements, and EA form or latest income tax return. (2) Or apply online via PB engage app or Public Bank website. Approval typically takes 3–5 working days. Disbursement within 1–2 working days after signing the loan agreement. Ensure your DSR (debt service ratio) is below 60%.
Does Public Bank charge early settlement penalty?
Public Bank personal loan allows early settlement with an interest rebate (pengurangan faedah) calculated using the Rule of 78 method. There is no penalty for early settlement — you save on unearned interest. Contact Public Bank or your nearest branch to request an early settlement rebate quote. The earlier you settle, the larger the rebate.
Public Bank vs CIMB personal loan — which is better?
Public Bank (3.99% flat, min RM1,500/mo, max RM150k, 10yr) vs CIMB Cash Plus (from 4.38% flat, min RM2,000/mo, max RM100k, 5yr): Public Bank wins on rate, minimum income requirement, and maximum tenure. CIMB is easier to apply for online and has faster digital approval. For salary RM1,500–RM2,000: Public Bank is the only option since CIMB requires RM2,000. For salary RM2,000+: Public Bank offers the better rate (3.99% vs 4.38%+) with longer tenure.
Is Public Bank personal loan Shariah-compliant?
Yes — Public Bank offers BAE-i Personal Financing, which is a Shariah-compliant (Islamic) personal financing product. It operates on a commodity murabahah basis at similar rates to the conventional BAE AG product. Both conventional and Islamic variants are available at Public Bank branches. The Islamic product is suitable for customers who prefer riba-free financing.

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