RHB Personal Loan

RHB Bank Berhad is the fourth largest fully integrated financial services group in Malaysia.

Established in 1997 from the merger of two banks to create Malaysia's third largest financial services group. RHB Bank Berhad now has 210 branches in Malaysia with 196 RHB conventional bank branches and 14 RHB Islamic branches. RHB also has 19 branches overseas in countries such as Singapore, Indonesia and Brunei. RHB offers customers various banking services such as credit cards, personal loans, Islamic banking, wealth management and more.

Compare Personal Loans by RHB Malaysia

About the loan



  • Flexible repayment tenure from 1 to 7 years
  • Flexible financing amount from RM2,000 to RM150,000
  • Affordable repayments
  • Easy application process

Financing Amount & Interest Rates

  • Tier 1: RM2,000 to RM10,000 at 13.45% p.a (5 years)
  • Tier 1: RM11,000 to RM15,000 at 13.45% p.a. (7 years)
  • Tier 2: RM16,000 to RM50,000 at 11.66% p.a. (7 years)
  • Tier 3: RM51,000 to RM99,000 at 9.91% p.a. (7 years)
  • Tier 4: RM100,000 to RM150,000 at 8.18% p.a. (7 years)

Effective Interest Rates (EIR):

  • Tier 1: 24% p.a.
  • Tier 2: 21% p.a.
  • Tier 3: 18% p.a.
  • Tier 4: 15% p.a.

Fees and Charges

  • Stamp Duties
  • Late Payment Fee: 1% p.a. calculated on daily basis
  • Early Settlement Fee: RM100 or 1% of total loan approved (whichever higher)

Benefits and Features

  • Loan repayment tenure of up to 10 years
  • Flat profit rate of 5.25% p.a.
  • Minimum financing amount: RM5,000
  • Maximum financing amount: RM100,00
  • No guarantor required

Fees and Charges

  • RM30 brokerage fee
  • Stamp Duties
  • Late Payment Fee
  • Early Settlement Fee


  • Aged 40 years and above
  • Have a minimum gross pension payment of RM750

Benefits & Features

  • Flat profit rate: 4.50% p.a.
  • Maximum financing amount of RM200,000
  • Loan repayment tenure of up to 10 years
  • Salary-deduction repayment
  • No guarantor required

Fees and Charges

  • Stamp Duties
  • Late Payment Fee
  • Early Settlement Fee


  • Must be Malaysian
  • Minimum age of 18 years to maximum age of 58 years (at end of financing tenure)
  • Minimum income of RM2,000 (inclusive of allowances)

RHB’s ASB/ASB2 Financing is a loan that lets you take out a loan to purchase ASB units for your future wealth.

Benefits & Features

  • High margin of financing
  • Flexible financing tenure
  • Consistent dividend returns
  • Affordable repayment schemes
  • Insurance coverage (optional)

Financing Amount & Interest Rates

Financing Amount:

  • Minimum RM20,000 up to RM200,000 or the maximum investment limit determined by ASNB/PNB

Interest Rates:

  • First 4 years: Base Rate + 1.55%
  • Subsequent years: Base Rate + 1.15%

Financing Tenure:

  • Minimum tenure: 5 years
  • Up to 30 years or up to the age of 65

Fees and Charges

  • Endorsement Fee: RM50
  • Overdraft against ASB/ASW 22020: RM100 per certificate
  • Offer Letter: RM10
  • Commitment Fee: 1% p.a. on unutilized portion of overdraft facility for amounts above RM250,000
  • Exit Fee: When full repayment of the outstanding financing is made within first 2 years from date of loan disbursement

RHB Bank is a Malaysian bank and is one of the largest integrated financial services group in Malaysia. It was founded in 1997 as a result of a merger between DCB Bank and Kwong Yik Bank. They offer a variety of products through its many subsidiaries such as RHB Bank Berhad, RHB Investment Bank Berhad, and RHB Islamic International Asset Management Berhad.

They were the first local banking and finance group in Malaysia to establish an Islamic banking subsidiary: RHB Islamic Bank Berhad. They also acquired OSK Investment Bank Berhad in November 2012, making them the largest investment bank in the country (by assets). They provide financial services to Malaysia, Singapore, Thailand, Vietnam, Brunei, Cambodia, Laos, Indonesia, and Hong Kong.

RHB Personal Loans are available in several different plans that offer you a variety of options and choices for your financing needs. Be it you are looking to fund your wedding, buy a car, renovate your house, or even to go on a holiday, their competitive rates and excellent services can provide.

You must be a Malaysian and must be employed for at least 6 months, as you will need to provide your latest 6-month EPF statement. If you are self-employed, you will also need to have the latest 6-month bank statement of your business.

No, you will not require a guarantor or collaterals for RHB personal loans.

Yes, you can. However, it must be done after the lock-in period (depending on which personal loan you apply for). There will be an early settlement fee.

Yes, there is. It will be calculated with a flat interest rate and charged based on the amount approved. It is calculated as such:

[n(n+1)/t(t+1)] x P

n: Number of monthly instalments remaining

t: Financing tenure in months

P: Total interest payable over entire tenure

Total settlement after rebate calculation = (Total repayments – rebate) + [early exit fee+late payment charges (if any)]