RHB will introduce updated Terms and Conditions for its Personal Financing and Personal Financing-i products [PDF] on 25 December 2025. The revisions are designed to give customers clearer information on how their financing is handled, particularly in situations involving repayment issues, compliance checks, or specialised facilities such as solar-panel financing.

Clearer Rules for How Financing Works

The updated documents refine key parts of the financing framework to make the bank’s processes easier to understand. While the changes do not alter how customers make their monthly repayments, they offer clearer explanations of how RHB reviews applications, monitors accounts, and manages certain requirements throughout the life of the facility. This gives customers a more transparent view of what happens behind the scenes.

What Customers Should Understand About the Updates

For the conventional Personal Financing product, the revised Terms and Conditions provide clearer detail on when a financing account may fall into default. The updated text explains that a default can occur when scheduled monthly payments are not made after they become due, even without a formal demand from the bank. It also clarifies that a facility may be reviewed or placed on hold if information supplied during the application is inaccurate or if an event arises that affects the customer’s ability to meet repayment obligations. 

The documents also expand on circumstances related to anti-money laundering requirements, outlining situations where the bank may need to pause or cancel a facility if a transaction triggers compliance concerns or requires further regulatory checks.

For Personal Financing-i, the revisions focus on solar-financing disbursement. The updated terms specify that funds can only be released once the bank receives the necessary documentation and confirmation from the solar service provider. If an installation is unsuccessful or does not take place after funds have been released, the bank may adjust any special profit rate back to the prevailing rate, with advance notice to the customer. This gives borrowers a clearer understanding of what must be completed before disbursement and how installation issues may affect their financing costs.

With these refinements, customers gain a more detailed picture of how their financing is assessed, what the bank may require at different stages, and how issues such as missed payments, compliance reviews, or project delays are handled.

Why the Timing Is Important for Borrowers

The updates are being introduced ahead of the new year, giving customers time to review the clarified terms before planning their 2026 financial commitments. Whether someone is managing an existing facility or considering a new application, clearer expectations help support more confident decision-making and reduce uncertainty.

More Time for In-Branch Banking

Meanwhile, RHB will extend operating hours at its branches and premier locations nationwide beginning 1 January 2026. In most states, branches will operate from 9.15 a.m. to 5.00 p.m. from Monday to Thursday, while Friday hours remain at 9.15 a.m. to 4.15 p.m. This marks a 45-minute extension from the current 4.15 p.m. closing time observed across branches on regular working days.

In Kelantan and Terengganu, branches will operate from 9.15 a.m. to 5.00 p.m. between Sunday and Wednesday, with Thursday continuing at 9.15 a.m. to 4.15 p.m. Branches located in shopping malls will follow the respective mall schedules.

RHB says the extended hours aim to make banking more convenient for customers who need additional time outside their usual workday. The longer operating window gives customers more flexibility to visit a branch for financing enquiries and repayment arrangements.

If you are considering a personal loan, you can check and compare what is available online.

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