Personal Loan/Financing-i | 01 July 2026-30 September 2026
*Interest/profit rate of 3.40% p.a. is applicable for customers with a verified monthly income of RM15,000 who have their financing disbursed to their HLB Current Account/HLB Islamic Current Account-i and/or HLB Savings Account/HLB Islamic Savings Account-i (“HLB CASA/HLISB CASA-i”), and who are eligible for 60% Pay-On-Time Rebate on flat interest/profit rate of 8.50% p.a.
Our rate is on a flat rate basis
|
Verified Monthly Income |
Disbursement to non HLB CASA/HLISB CASA-i |
Disbursement to HLB CASA/HLISB CASA-i |
||||
|---|---|---|---|---|---|---|
|
Flat Interest/ Profit Rate |
Applicable Pay-On-Time Rebate |
Rate after Pay-On-Time Rebate |
Flat Interest/Profit Rate
|
Applicable Pay-On-Time Rebate |
Rate after Pay-On-Time Rebate |
|
|
RM2,000 – RM7,999 |
10.50% p.a. |
10% |
9.45% p.a. |
8.50% p.a. |
20% |
6.80% p.a. |
|
RM8,000 – RM14,999 |
30% |
7.35% p.a. |
40% |
5.10% p.a. |
||
| RM15,000 and above |
60% |
3.40% p.a. |
||||
(i) Effective interest/profit rates applicable to flat rate of 10.50% p.a. vary from 19.61% p.a. to 20.76% p.a. depending on loan/financing tenures from 2 to 5 years.
(ii) Effective interest/profit rates applicable to flat rate of 8.50% p.a. vary from 15.99% p.a. to 16.71% p.a. depending on loan/financing tenures from 2 to 5 years.
(iii) 0.50% of the Facility Amount will be deducted upon disbursement for stamp duty payable.
(iv) To enjoy the Pay-On-Time Rebate, please ensure to:
a. Pay your monthly instalment promptly by the due date
b.Maintain a cumulative daily balance of RM500 in your HLB CASA/HLISB CASA-i (only applicable for loan/financing-i disbursements to HLB CASA/HLISB CASA-i)
Illustration of Instalments and Rebate
Enjoy up to 60% interest/profit rebate when you pay on time!
For example, you have a verified monthly income of RM15,000 and above, and disbursement is to HLB CASA/HLISB CASA-i. The applicable interest/profit rate is 8.50% p.a. and your total approved facility amount is RM100,000 for a financing tenure of 5 years. You also qualify for 60% Pay-On-Time Rebate. The above example is illustrated below:
Our rate is on a flat rate basis
| Verified Monthly Income |
Disbursement to non HLB CASA/HLISB CASA-i |
Disbursement to HLB CASA/HLISB CASA-i |
|---|---|---|
|
Flat Interest/Profit Rate |
Flat Interest/Profit Rate |
|
|
RM2,000 – RM7,999 |
N.A. |
8.00% p.a. |
|
RM8,000 and above |
5.50% p.a. |
(i) Effective interest/profit rates applicable to flat rate of 8.00% p.a. vary from 15.08% p.a. to 15.71% p.a. depending on loan/financing tenures from 2 to 5 years.
(ii) Effective interest/profit rates applicable to flat rate of 5.50% p.a. vary from 10.48% p.a. to 10.72% p.a. depending on loan/financing tenures from 2 to 5 years.
(iii) 0.50% of the Facility Amount will be deducted upon disbursement for stamp duty payable.
Illustration of Instalments
For example, you have a verified monthly income of RM8,000 and above, and disbursement is to HLB CASA/HLISB CASA-i. The applicable interest/profit rate is 5.50% p.a. and your total approved facility amount is RM100,000 for a financing tenure of 5 years. The above example is illustrated below:
*Monthly instalment amount will be rounded up to the nearest RM5.
Any adjustment due to rounding will be reflected towards the end of the facility tenure.
- Malaysian citizens aged between 21 to 60 years old
- Employed or self-employed with a minimum annual income of RM24,000
- Minimum loan/financing amount is RM5,000
- Maximum loan amount is RM250,000 for Personal Loan and maximum financing amount is RM150,000 for Personal Financing-i
- Facility tenures from 2 to 5 years
Visit HLB/HLISB nearest branch today.