Personal Loan/Financing-i | 01 October 2026-31 December 2026
*Interest/profit rate of 2.975% p.a. is applicable for existing-to-Bank salaried customers with a verified monthly income of RM8,000 who have their financing disbursed to their HLB Current Account/Savings Account and/or HLB Islamic Current Account-i/Savings Account-i (“HLB CASA/HLB Islamic CASA-i”), and who are eligible for 65% 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 |
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. |
| RM8,000 and above |
30% |
7.35% 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) 0.50% of the Facility Amount will be deducted upon disbursement for stamp duty payable.
(iii) To enjoy the Pay-On-Time Rebate, please ensure to pay your monthly instalment promptly by the due date.
Our rate is on a flat rate basis
Salaried Segment
|
Verified Monthly Income |
Disbursement to non HLB CASA/HLB Islamic CASA-i |
Disbursement to HLB CASA/HLB Islamic 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. |
9.50% p.a. |
30% |
6.65% p.a. |
|
RM8,000 and above |
30% |
7.35% p.a. |
8.50% p.a. |
65% |
2.975% p.a. |
|
Self-employed Segment
|
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. |
9.50% p.a. |
20% |
7.60% p.a. |
|
RM8,000 and above |
30% |
7.35% p.a. |
8.50% p.a. |
55% |
3.825% p.a. |
|
(i) Effective interest/profit rates applicable to flat rate of 9.50% p.a. vary from 17.80% p.a. to 18.73% 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 Five Hundred Malaysian Ringgit (RM500) in your HLB CASA/HLB Islamic CASA-i for the first thirteen (13) months from the disbursement date (only applicable for loan/financing-i disbursements to HLB CASA/HLB Islamic CASA-i).
Enjoy up to 65% interest/profit rebate when you pay on time!
For example, you are an existing-to-Bank salaried customer with a verified monthly income of RM8,000 and above, and disbursement is to HLB CASA/HLB Islamic 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 65% Pay-On-Time Rebate. The above example is illustrated below:
- 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/HLB Islamic nearest branch today.