HLB Personal Loan

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  • Personal Loan >
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Personal Loan

Enjoy the benefits of Hong Leong Bank Personal Loan

Apply Now
Latest Offer

Features & Benefits

  • Features & Benefits
  • Documents Required
  • Monthly Instalments
  • Fees & Charges
  • Terms & Conditions, PDS & Application Form

20% Cashback on interest

Monthly instalments as low as RM126*

No collaterals and guarantor required

Flexible repayment tenure of up to 5 years

Minimum income eligibility of RM24,000 per annum

Easy application available at our Bank's Branches, Website and HLB Connect Online Banking

Financing amount up to RM250,000

 

 

 

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Eligibility

  • Malaysian citizens only, aged between 21 to 60 years old
  • Earn a minimum annual income of RM24,000 per annum

 

 

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* Based on a financing tenure of 5 years for RM5,000, and during Cashback Period. 

Other terms and conditions apply.

 

  Individual Applicant (Employed)  Individual Applicant (Self-Employed) 
Fixed Income Variable Income Sole-Prop / Partnership / Private Limited / Public Listed
MNC Non-MNC MNC Non-MNC
Identification Documents NRIC front and back NRIC front and back
1.Business Registration to proof minimum 2 year Business Operations or
2. Professional/Practicing Certificate and Proof of Business Operating 2 years or
3. Latest 2 years Business License for Sabah/Sarawak.
Acceptable Income Documents Latest 1 month payslip or Latest 3 months payslips + 3 months bank statements to prove salary crediting or EPF/CPF or Latest 6 months payslips or Latest 6 months salary slips + 6 months bank statements to prove salary crediting/EPF/CPF or Latest 6 months business bank statements or
Latest 3 months personal bank statements (with proof of latest 3 months salary crediting) or Latest 6 months commissions slips or Latest 6 months commissions slip +  6 months' bank statements to prove salary crediting or EPF/CPF or Latest 1 year Form B with payment receipt/latest 2 years BE form with matching payment receipts or
Latest EPF/CPF statement (with proof of latest 3 months crediting) or Latest EPF/CPF statement (with proof of latest 3 months crediting) or Latest EPF/CPF (with proof of latest 6 months crediting) or Latest EPF/CPF (with proof of latest 6 months crediting) or Latest 6 months EPF contribution (only for Sdn Bhd companies only). 
Latest EA form/IR for Malaysians working in Singapore (EA or IR must be dated last 12 months from print out date) or - - - -
Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore Latest 2 years Form BE with matching payment receipts/Latest 2 years NOA for Malaysians working in Singapore -
Optional Documents Rental income (valid Tenancy Agreement with latest 3 months bank statement crediting proof and latest 1 month Utility Bill)
Proof of 2 years bonuses -
Cash Investments (FD, Mutual Funds, etc.) -
Approved Facility 
Amount

Flat Interest Rate

(p.a.)

Monthly Instalment Before Cashback Period

(RM)

Monthly Instalment During Cashback Period
(RM)
2 Years
5 Years
2 Years
5 Years
5,000 12.50% 265 140

224

126

50,000 11.00% 2,545 1,295

2,179

1,165

100,000 10.00% 5,000 2,500

4,334

2,262

150,000 9.00% 7,375 3,625

6,475

3,304

 

Note:

  1. Flat interest rate ranges from 9.00% p.a. to 12.50% per annum, depending on approved facility amount, verified monthly income, facility tenure and application channel.
  2. Effective Interest Rate ranges from 15.71% p.a. to 22.42% p.a.
  3. The above table serves as an illustration for a customer with a verified monthly income of RM4,000 and above.
  4. Monthly Instalment Before Cashback Period will be rounded up to the nearest RM5.

Important Notice:
Please click here for the non-exhaustive list of fees and charges.

*Subject to Government Tax, if applicable


English & Bahasa Malaysia

Personal Loan Terms & Conditions

Personal Loan Product Disclosure Sheet

Application Form


English

Generic Cashback Program Terms & Conditions

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