Hong Leong Bank and Hong Leong Islamic Bank are running the Personal Loan/Personal Financing-i: Fund Your Dreams Promotion from 1 July 2025 until 30 September 2025. This campaign offers eligible customers lower repayment rates and the option to consolidate multiple debts into one fixed monthly instalment.

Enjoy Lower Rates with Pay-On-Time Rewards

Customers with a verified monthly income of RM8,000 and above can enjoy a flat interest/profit rate of 8.50% p.a. with a 65% Pay-On-Time Rebate, reducing the effective rate to as low as 2.975% p.a. 

For those earning between RM2,000 and RM7,999, the rebate is 20%, resulting in an effective rate of 6.80% p.a. These reduced rates apply only if all payments are made on time for the entire loan tenure.

Choose a Tenure That Fits Your Budget

The financing tenure can range from two to five years, with a consistent and predictable repayment schedule. For example, a customer taking a RM100,000 facility over five years at a flat rate of 8.50% p.a. will pay higher instalments in the first year, enjoy reduced payments during the rebate period, and return to the original amount in the final months.

Period	Months	Monthly Instalment
Normal Period	1 – 13	RM2,375
Rebate Period	14 – 55	RM1,718
Normal Period	56 – 60	RM2,375

This means that for the first 13 months, the monthly instalment is RM2,375. From month 14 to month 55, the rebate reduces the payment to RM1,718. In the last five months, the instalment reverts to RM2,375.

The promotion allows customers to combine multiple existing payments into one fixed monthly instalment. This can help reduce total interest/profit payable and make personal finances easier to manage. Both standard loans and debt consolidation facilities are available under this campaign.

Check If You Meet the Eligibility Criteria

Applicants must be Malaysian citizens aged 21 to 60 years who are employed or self-employed, with a minimum annual income of RM24,000. The minimum financing amount is RM5,000, and the maximum is RM250,000 for Personal Loans or RM150,000 for Personal Financing-i.

Submit Your Application Before the Deadline

To qualify for the promotional rates and rebates, applications must be approved and disbursed by 31 October 2025. Missing payments, early settlement, or breaching other terms could result in the loss of rebate eligibility. 

You can also compare this promotion with RinggitPlus’s best personal loan offers to find the most competitive rates currently available in Malaysia.

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• TAGS:
• Fund Your Dreams Promotion
• Hong Leong Bank
• Hong Leong Islamic Bank
• Personal Financing-i
• Personal Loan