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Personal Loan FAQs

A civil servant or GLC (Government Linked Company) personal loan in Malaysia is an unsecured financing option specially designed for civil servants or employees of the public sector. If you currently work in the private sector and/or you are an employee of a multinational company, you are not eligible to apply for this loan.

A civil servant or GLC loan usually has below market interest rates/profit rates and provides affordable financing for public sector income levels. Instead of having to repay the loan through your own banking transfer, government loans are usually auto-deducted from employee's monthly salaries. Some banks may require a letter from your employer confirming that you are a public sector employee, or that you work with a GLC.

No, the Malaysian Government itself is not a financial institution, therefore it does not provide personal loan products in Malaysia. The government does, however, provide special financial relief or aid to specific income groups who may be earning below a certain threshold. This is a handout that does not need to be repaid.

We recommend using our free comparison tool on our website to compare the features and benefits of all civil servant / GLC loans in the market.

Once you have determined the best loan for your income and for your lifestyle needs, you may click on 'Apply Now' if it is one of our partnering banks. After which, one of our customer service heroes will be in touch with you to help you with your application. If it is not a partnering bank, you may proceed to the bank's website to apply.

Most of the civil servant or GLC loans offer below market interest rates. Some of the lowest rates float between 3.4% to 4.5% or an EIR (Effective Interest Rate) of 6.4% to 8.4%. Use our free comparison tool online to compare the different interest rates and to find a loan that best suits your needs.
The interest rate is calculated based on the amount of financing you borrow and the period you borrow it over. However, some banks give you the option of choosing between a Fixed Interest Rate or a Floating Interest Rate which is based on the Base Rate (BR) which can be lower than the fixed interest rate, but it is subject to market conditions. A fixed interest rate does not change throughout the loan period. This allows you to know the exact amount you owe the bank every month. A floating interest rate is based on the BR, which is controlled by the bank, and can change at a moment's notice. This change in interest rates could either cause an increase or decrease in your monthly installments.
A civil servant or GLC loan features below market interest rates or profit rates and provides financing for public sector income levels. Most government loans auto-deduct the monthly repayments from the employee's monthly salaries. Since this is not a loan for private sector employees, additional verification may be needed including a letter from your employer confirming that you are a public sector employee, or that you work with a GLC.

Most banks will require you to be a Malaysia Citizen or Permanent Resident, is a government servant and selected employees of government-linked companies (GKCs), at the age of 18 and above (but not over 60), with a monthly gross income of RM1,000 or more. Proof of identification, income, and residence must also be submitted to be approved for a personal loan. lets you compare Fast Approval Loans, Islamic Loans, and Civil Servant/GLC Employee loans from various Malaysian banks and lenders.

You will usually need to produce your CPF statements or pay slips dating back three months (or six months if you are self-employed).

Banks will also look at your credit rating before approving or rejecting your loan application.

Many Malaysian banks and lenders provide loans from RM10,000 up to RM200,000, depending on the borrower's credit history or rating.

Most banks and lenders set an upper limit on how much applicants can borrow, which can range from 6 to 10 times the amount of their current salary, or a fixed amount. Whichever amount is lower will be the highest amount the borrower can have.

Your personal loan's processing time depends on the bank or lender. Some banks send an approval-in-principle as quickly as an hour, but it can take up to 5 business days. Depending on the lender, the loans may be disbursed as soon as a day after approval.

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