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United Overseas Bank (UOB) Personal Loan

United Overseas Bank Malaysia or UOB Malaysia is a subsidiary of United Overseas Bank Limited and was incorporated in 1993 with an aim to be a leader in consumer and commercial banking services in the region.

Compare Personal Loans by UOB Malaysia

UOB is a multinational bank with 40+ Branches. They offer 9 different Credit Cards, 1 Personal Loan and 3 Mortgages.

About the loan




interest rates9.99% p.a. - 11.99% p.a. flat
(based on eligibility)
effective interest rate
17.96% p.a. - 21.57% p.a.
(based on flat interest rate & tenure)
minimum loan amountRM 5,000
maximum loan amountRM 100,000
(salaried applicants)
maximum loan amountRM 50,000
(self-employed applicants)
minimum loan tenure12 months
(1 year)
maximum loan tenure60 months
(5 years)


  • enjoy low interest rate as low as 0.83%* per month
  • flexible loan amount up to RM 100,000
  • flexible repayment tenure of up to 5 years
  • low monthly instalment
  • no processing fee, no guarantor and no collateral
  • hassle-free, express application


  • 21 to 55 years old
  • minimum annual income - RM 24,000 p.a. (salaried employee)
  • minimum annual income - RM 36,000 p.a. (if self-employed)
  • Malaysian citizen or permanent resident

Fees & Charges

  • late payment charges - 1% on the amount in arrears
  • early settlement fee - 3% on total balance outstanding (principal + interest) or minimum RM300, whichever is higher
Monthly Income (RM)
SalariedSelf-employedInterest Rate
2,000-3,9993,000-5,99911.99% p.a.
4,000-6,9996,000-7,99910.99% p.a.
7,000 & more 8,000 & more9.99% p.a.

Example monthly instalment amount for UOB Personal Loan

Monthly (RM) Instalment at 9.99% p.a. Interest Rate
Sum Borrowed / TenureRM 5,000RM 25,000RM 50,000RM 75,000RM 100,000
12 months4602,3004,5906,8809,170
24 months2501,2502,5003,7505,000
36 months 1819031,8102,7103,620
48 months 1467301,4602,1902,920
60 months 1256301,2501,8802,500
Monthly (RM) Instalment at 10.99% p.a. Interest Rate
Sum Borrowed / TenureRM 5,000RM 25,000RM 50,000RM 75,000RM 100,000
12 months4702,3204,6306,9409,250
24 months2601,2802,5503,8205,090
36 months 1859301,8502,7803,700
48 months 1507501,5002,2503,000
60 months 1306501,3001,9402,590
Monthly (RM) Instalment at 11.99% p.a. Interest Rate
Sum Borrowed / TenureRM 5,000RM 25,000RM 50,000RM 75,000RM 100,000
12 months4702,3404,6707,0009,340
24 months2601,3002,5903,8805,170
36 months 1909501,8902,8403,780
48 months 1557801,5502,3203,090
60 months 1346701,3402,0002,670

Documents Required

CategoryDocuments to prepare
Salaried Malaysians
with income documents


  • photocopy of IC (front & back), or passport
  • latest 3 months' pay slip

any of the following where necessary

  • latest Form B/BE with tax payment receipt
  • latest 3 months' bank statements showing salary credit transaction
  • your EPF statements of the last 12 months
Self-employed Malaysians
with income documents


  • a copy of your IC (front and back), or passport
  • latest Form B/BE with tax payment receipt
  • latest 3 months' bank statement that shows salary credit transaction
  • business registration certificate Form 9, Form 24, Form 49
  • minimum 2 years in the same business
with other banks'
credit or charge cards

compulsory for all

  • principal cardmember must have been holding the card for more than 1 year
  • said card must be issued in Malaysia
  • a copy of your IC (front and back) or passport

salaried applicants

  • 1-month payslip
  • latest Form BE
  • latest EPF form
  • bank statement of your salary crediting account
self-employed applicants
  • Form B and tax receipt
  • bank statement
  • audited P&L account


    [last updated: 07 Nov 2019]

    • UOB offers a variety of products and services, and maintains high global standards for customer service and innovation. 
    • Under personal banking, customers can choose from a selection of loans, deposits, cards, and investments. 
    • Business entities can take advantage of its cash management, custody services, merchant, and other global services. 
    • The bank is well recognized in the industry. In 2014, it received 11 awards from AsiaMoney and the Most Admired ASEAN Enterprise for ASEAN Centricity from ASEAN Business Advisory Council.