Top 5 Low-Interest Personal Loans in Malaysia (2025)
If you’re looking for a personal loan with the lowest interest rates in Malaysia for 2025, here are the top five options:
1. CIMB Cash Plus Personal Loan
- Interest Rate: As low as 4.38% per annum
- Loan Amount: RM2,000 – RM100,000
- Repayment Period: Up to 5 years
- Features:
✅ No processing fees
✅ No early settlement penalty
✅ Approval within 24 hours - Apply here: CIMB Cash Plus
✅ Best for: Borrowers with a good credit score and stable income
2. Alliance Bank CashFirst Personal Loan
- Interest Rate: From 4.99% per annum (subject to eligibility)
- Loan Amount: Up to RM150,000
- Repayment Period: Up to 7 years
- Features:
✅ Instant approval in 10 minutes
✅ Loan disbursement within 24 hours
✅ 100% online application process - Apply here: Alliance Bank CashFirst
✅ Best for: Those who need fast loan approval with a low interest rate
3. Alliance Islamic Bank CashVantage Personal Financing-i (Islamic Loan)
- Profit Rate: From 4.99% per annum
- Loan Amount: Up to RM150,000
- Repayment Period: Up to 7 years
- Features:
✅ Follows Shariah-compliant principles (no riba)
✅ Fast approval & quick disbursement - Apply here: Alliance Islamic Bank CashVantage
✅ Best for: Borrowers looking for Islamic financing with low profit rates
4. Maybank Personal Loan
- Interest Rate:
- 6.5% (for RM50,001 – RM100,000 loans)
- 7% (for RM20,001 – RM50,000 loans)
- 8% (for RM5,000 – RM20,000 loans)
- Loan Amount: RM5,000 – RM100,000
- Repayment Period: 2 – 6 years
- Features:
✅ Fixed interest rate
✅ No collateral or guarantor required
✅ Quick approval process - Apply here: Maybank Personal Loan
✅ Best for: Borrowers who prefer fixed interest rates and no guarantor requirement
5. Al Rajhi Personal Financing-i (Islamic Loan)
- Profit Rate: As low as 5.27% per annum
- Loan Amount: Based on borrower eligibility
- Features:
✅ Fully Shariah-compliant financing
✅ Competitive profit rates
✅ Suitable for customers seeking Islamic banking solutions - Apply here: RinggitPlus – Loan Comparison
✅ Best for: Individuals looking for Islamic personal loans with low profit rates
Conclusion & Tips
📌 Compare interest rates and repayment terms before deciding
📌 Choose a repayment period that matches your financial capacity
📌 Ensure the lender is a legitimate financial institution
📌 Avoid borrowing from illegal money lenders (Ah Longs)
For more details and online applications, visit the official bank websites linked above.
