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  4. Bank Muamalat Cash-i SMART
Bank Muamalat Cash-i SMART

RM 10,000 - RM 250,000

Loan amount

24 - 84

Monthly financing tenure

5.99 %

Annual profit rate

Calculate your monthly payment

RM

Your monthly payment:

Product details

Features Eligibility Fees & Charges Document required to apply
Features
Fast and seamless online application via Bank Muamalat’s Mobile Application Platform (MAP)
Easy application without processing fees or collateral/ guarantor
Competitive profit rates from as low as 5.99% p.a., with instalments starting from just RM 211
High financing amount of up to RM 250,000
Flexible financing tenures up to 7 years
Optional Takaful coverage (but highly recommended!)
Minimum financing amount RM 10,000
Maximum financing amount RM 250,000
Minimum duration of the financing 24
Maximum duration of the financing 84
Eligibility
Minimum Age 18
Maximum Age 60
Who Can Apply Malaysians only
Minimum Monthly Income 2,000
Employment Type Salaried employees of Public Listed Companies (PLCs), Private Limited Companies (Sdn. Bhd.), GLCs, Government and MNCs
Others Applicants with a bad payment history or adverse CTOS records are not eligible to apply
Fees & Charges
Late payment Fee 1%
Refer to the Product Disclosure Sheet for more details
Early payment Fee None
Stamp duty 0.5% of the whole amount, as per the Stamp Act 1949 (Revised 1989)
Document required to apply

  • - Copy of your IC (front and back)
  • - Copy of the latest 1-month salary slip
  • - Copy of the latest 1-month bank statement showing salary crediting
  • - Copy of the latest EPF statement

Product review by CompareHero.my

Bank Muamalat Cash-i SMART: A Shariah-Compliant Financing

Smart finance solutions that provide peace of mind and comfort. It is seamless, effortless and hassle-free.

What You Need to Know about Cash-i SMART

At its core, Cash-i SMART is a solution to your financial needs. Whether you need extra money for a rainy day or an opportunity that can’t wait, we have the solution for you.

Why Bank Muamalat Cash-i SMART Stands Out

The key benefits that make Cash-i SMART an excellent choice for your financing needs are as follows:

  • Fast and easy digital application: Apply effortlessly from anywhere using Bank Muamalat’s Mobile Application Platform (MAP).


  • Absolutely no processing fees: Your application won’t incur any hidden charges.


  • No collateral or guarantor needed: Access the financing you require without the burden of pledging assets or securing a guarantor.


  • Flexible payment plans: Tailor your payment period to fit your budget, choosing terms from 2 up to 7 years. This flexibility helps keep your monthly payments comfortable and manageable.


  • Profit rates: Benefit from transparent and attractive Shariah-compliant profit rates starting from as low as 5.99% p.a., ensuring you understand your financial commitments upfront.


  • Takaful protection: For an added layer of security, you have the option to include Takaful coverage, providing valuable peace of mind by protecting your financing against unforeseen circumstances.


Who's Eligible for Bank Muamalat Cash-i SMART?

The criteria are as follows:

  • Malaysian Citizen.


  • Between 18 and 60 years old.


  • Minimum gross monthly income of RM2,000.


  • Salaried employees


What Do You Get from this Personal Financing?

With Bank Muamalat Cash-i SMART, you will get the following:

  • Financing amount: You can apply for financing up to RM250,000. Your exact eligible amount will be determined based on your income and Bank Muamalat’s credit assessment.


  • Profit rate: 5.99% p.a. to 10.99% p.a.


  • Processing fees: As mentioned, there are no processing fees for your application.


  • Late payment charges (Ta'widh): Refer to the Product Disclosure Sheet for more details.


For a comprehensive breakdown of all potential fees and charges related to financing products, it's advisable to consult Bank Muamalat's official fee schedule.

Ready to Proceed with Cash-i SMART?

Bank Muamalat Cash-i SMART personal financing offers a clear and principled path to achieving your financial aspirations. As a personal financing solution in Malaysia that is convenient, competitive, and aligned with your values, it could be the ideal choice for you!

Need more details? Check out the following documents.
Terms and Conditions
Product Disclosure Sheet

Financing payment table

(RM)
Financing amount
5,000 233 176 142 121 115 105
10,000 467 353 283 242 230 211
15,000 700 529 425 362 346 316
20,000 933 705 567 483 461 421
25,000 1,166 882 708 604 576 527
30,000 1,400 1,058 850 725 691 632
35,000 1,633 1,234 991 846 807 737
40,000 1,866 1,411 1,133 966 922 843
45,000 2,100 1,587 1,275 1,087 1,037 948
50,000 2,333 1,763 1,416 1,208 1,152 1,053
55,000 2,566 1,940 1,558 1,329 1,268 1,158
60,000 2,800 2,116 1,700 1,450 1,383 1,264
65,000 3,033 2,293 1,841 1,570 1,498 1,369
70,000 3,266 2,469 1,983 1,691 1,613 1,474
75,000 3,499 2,645 2,124 1,812 1,729 1,580
80,000 3,733 2,822 2,266 1,933 1,844 1,685
85,000 3,966 2,998 2,408 2,053 1,959 1,790
90,000 4,199 3,174 2,549 2,174 2,074 1,896
95,000 4,433 3,351 2,691 2,295 2,189 2,001
100,000 4,666 3,527 2,833 2,416 2,305 2,106
105,000 4,899 3,703 2,974 2,537 2,420 2,212
110,000 5,132 3,880 3,116 2,657 2,535 2,317
115,000 5,366 4,056 3,257 2,778 2,650 2,422
120,000 5,599 4,232 3,399 2,899 2,766 2,528
125,000 5,832 4,409 3,541 3,020 2,881 2,633
130,000 6,066 4,585 3,682 3,141 2,996 2,738
135,000 6,299 4,761 3,824 3,261 3,111 2,844
140,000 6,532 4,938 3,966 3,382 3,227 2,949
145,000 6,765 5,114 4,107 3,503 3,342 3,054
150,000 6,999 5,290 4,249 3,624 3,457 3,159
155,000 7,232 5,467 4,390 3,745 3,572 3,265
160,000 7,465 5,643 4,532 3,865 3,688 3,370
165,000 7,699 5,819 4,674 3,986 3,803 3,475
170,000 7,932 5,996 4,815 4,107 3,918 3,581
175,000 8,165 6,172 4,957 4,228 4,033 3,686
180,000 8,399 6,349 5,099 4,349 4,149 3,791
185,000 8,632 6,525 5,240 4,469 4,264 3,897
190,000 8,865 6,701 5,382 4,590 4,379 4,002
195,000 9,098 6,878 5,523 4,711 4,494 4,107
200,000 9,332 7,054 5,665 4,832 4,609 4,213
205,000 9,565 7,230 5,807 4,952 4,725 4,318
210,000 9,798 7,407 5,948 5,073 4,840 4,423
215,000 10,032 7,583 6,090 5,194 4,955 4,529
220,000 10,265 7,759 6,232 5,315 5,070 4,634
225,000 10,498 7,936 6,373 5,436 5,186 4,739
230,000 10,731 8,112 6,515 5,556 5,301 4,845
235,000 10,965 8,288 6,656 5,677 5,416 4,950
240,000 11,198 8,465 6,798 5,798 5,531 5,055
245,000 11,431 8,641 6,940 5,919 5,647 5,160
250,000 11,665 8,817 7,081 6,040 5,762 5,266
(RM)
(RM) Monthly repayment
Financing amount 24 36 48 60 72 84
5,000 233 164 129 108 94 84
10,000 467 328 258 217 189 169
15,000 700 492 387 325 283 253
20,000 933 655 517 433 378 338
25,000 1,166 819 646 541 472 422
30,000 1,400 983 775 650 566 507
35,000 1,633 1,147 904 758 661 591
40,000 1,866 1,311 1,033 866 755 676
45,000 2,100 1,475 1,162 975 850 760
50,000 2,333 1,638 1,291 1,083 944 845
55,000 2,566 1,802 1,420 1,191 1,038 929
60,000 2,800 1,966 1,550 1,300 1,133 1,014
65,000 3,033 2,130 1,679 1,408 1,227 1,098
70,000 3,266 2,294 1,808 1,516 1,322 1,183
75,000 3,499 2,458 1,937 1,624 1,416 1,267
80,000 3,733 2,622 2,066 1,733 1,510 1,352
85,000 3,966 2,785 2,195 1,841 1,605 1,436
90,000 4,199 2,949 2,324 1,949 1,699 1,521
95,000 4,433 3,113 2,453 2,058 1,794 1,605
100,000 4,666 3,277 2,583 2,166 1,888 1,690
105,000 4,899 3,441 2,712 2,274 1,982 1,774
110,000 5,132 3,605 2,841 2,382 2,077 1,859
115,000 5,366 3,768 2,970 2,491 2,171 1,943
120,000 5,599 3,932 3,099 2,599 2,266 2,028
125,000 5,832 4,096 3,228 2,707 2,360 2,112
130,000 6,066 4,260 3,357 2,816 2,454 2,197
135,000 6,299 4,424 3,486 2,924 2,549 2,281
140,000 6,532 4,588 3,616 3,032 2,643 2,366
145,000 6,765 4,752 3,745 3,140 2,738 2,450
150,000 6,999 4,915 3,874 3,249 2,832 2,534
155,000 7,232 5,079 4,003 3,357 2,926 2,619
160,000 7,465 5,243 4,132 3,465 3,021 2,703
165,000 7,699 5,407 4,261 3,574 3,115 2,788
170,000 7,932 5,571 4,390 3,682 3,210 2,872
175,000 8,165 5,735 4,519 3,790 3,304 2,957
180,000 8,399 5,899 4,649 3,899 3,399 3,041
185,000 8,632 6,062 4,778 4,007 3,493 3,126
190,000 8,865 6,226 4,907 4,115 3,587 3,210
195,000 9,098 6,390 5,036 4,223 3,682 3,295
200,000 9,332 6,554 5,165 4,332 3,776 3,379
205,000 9,565 6,718 5,294 4,440 3,871 3,464
210,000 9,798 6,882 5,423 4,548 3,965 3,548
215,000 10,032 7,045 5,552 4,657 4,059 3,633
220,000 10,265 7,209 5,682 4,765 4,154 3,717
225,000 10,498 7,373 5,811 4,873 4,248 3,802
230,000 10,731 7,537 5,940 4,981 4,343 3,886
235,000 10,965 7,701 6,069 5,090 4,437 3,971
240,000 11,198 7,865 6,198 5,198 4,531 4,055
245,000 11,431 8,029 6,327 5,306 4,626 4,140
250,000 11,665 8,192 6,456 5,415 4,720 4,224
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