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Low monthly instalments
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Quick approvals
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Flexible repayment tenure
20% Cash Back on interest
Fast approval within 48 hours**
Minimum income eligibility of only RM24,000 per annum
5-minute loan approval at am:pm Convenient Banking**
Click here for more am:pm Conveniet Banking information
Monthly instalments as low as RM103*
Flexible repayment tenure of up to 7 years***
No guarantor and no collateral
Eligibility
- Malaysian citizens only, aged between 21 to 60 years old
- Earn a minimum annual income of RM24,000 per annum
* Based on a financing tenure of 7 years for RM5,000, and during Cash Back Period.
** 48 hour loan approval is subject to terms and conditions.
*** 6 & 7 years loan tenure are only available for salaried applicants age ≥ 30, earning an annual income of ≥ RM48,000.
Other terms and conditions apply.
Take advantage of our 6.0% p.a. low flat rate.
Loan amount you can afford
Monthly Installment
Interest Rate p.a.
Based on your high commitment, you are not eligible for our minimum loan amount of RM5,000. Consider paying off some of your existing loan to reduce your monthly commitment with our debt consolidation plan instead.
Disclaimer
The information shown is indicative and for illustration only. HLB does not guarantee the accuracy of the calculation and accepts no liability for any inaccuracies or omissions. The above does not constitute an offer of credit nor does it guarantee that the credit facility applied for will be approved. All applications for financing are subject to credit evaluation and approval and HLB reserves the right to approve or reject such applications without assigning any reason therefore.
Loan Amount (RM) |
Monthly Instalment (RM) |
Monthly Instalment During Cash Back Period (RM) |
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|---|---|---|---|---|
| 2 Years | 5 Years | 2 Years | 5 Years | |
| 5,000 | 265 | 140 | 245 | 127 |
| 10,000 | 525 | 275 | 484 | 249 |
| 20,000 | 1,045 | 545 | 962 | 493 |
| 50,000 | 2,545 | 1,295 | 2,362 | 1,181 |
| 100,000 | 5,000 | 2,500 | 4,667 | 2,292 |
Note:
- Flat Interest Rate ranges from 9.0% - 13.5% per annum depending on loan amount and tenure..
- Effective Interest Rate ranges from 12.38% - 24.82% per annum.
- The above table serves as illustration purpose only.
- Actual monthly instalment will be rounded up to the nearest RM5.
Click here for the non-exhaustive list of fees and charges, or visit any of our branches for further information.
