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Start your personalised loan search here
Not sure which type of personal loan is right for you? Browse our loan categories below to discover which financing option best matches your needs.
Skip the wait, get results within 24 hours. Perfect when you need money urgently.
Good For:
- Emergency expenses like medical bills
- Urgent home repairs or car fixes
- Time-sensitive opportunities
- When you can't wait for normal approval times
Find the cheapest loans with rates from 4.99% per year. Best if you have good credit and want to pay less.
Good For:
- Combining debts to save money
- Big purchases like home repairs
- When you need money but want low cost
- Long-term loans where low rates matter most
Loan options for people who don't earn a lot. These loans have easier terms and payments borrowers can afford.
Good For:
- People earning under RM3,000 per month
- First-time loan applicants
- Those with limited credit history
- When you need smaller loan amounts
Special deals for government workers with better rates and terms.
Good For:
- Civil servants and government workers
- GLC company employees
- Those with stable government jobs
- People wanting salary deduction options
Shariah-compliant financing with clear terms and profit rates
Good For:
- Muslim borrowers seeking Shariah-compliant financing
- Those who prefer ethical banking
- People wanting transparent fee structures
- Borrowers seeking Islamic takaful options
Easy application with guided support
Start your loan search with RinggitPlus. We’ve made it easy for borrowers to narrow down overwhelming options with our loan recommendation service on WhatsApp.
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Simply answer a few questions to get your application going | Receive follow-up support from our loan experts
Receive follow-up support from our loan experts | You’re all set! The banks will reach out to you
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Frequently asked questions (FAQs) about personal loans
Get answers to the most common questions about personal loans in Malaysia, including eligibility requirements, interest rates, application processes, and repayment terms.
How do I know if I can get a personal loan?
To qualify for a personal loan in Malaysia, you need a steady job for at least 6 months, monthly income of RM2,000-RM3,000 or more, and a good payment record on your existing bills and loans. You must also be a Malaysian aged 21-65 with proper income documents. Each bank has slightly different requirements, so RinggitPlus can check which banks are most likely to approve you before you apply.
Can I apply for a personal loan without a bank account?
Most banks require you to have a bank account to apply for a personal loan. However, some banks may also allow applications without a specific bank account. Check with your chosen bank for details.
How can RinggitPlus help with my personal loan application?
By applying through RinggitPlus, you don't need to go through the hassle of visiting bank branches to make personal loan applications. Moreover, we can also help you check eligibility and recommend loans that suit your profile.
When is the best time for me to apply for a personal loan?
The best time for you to make a personal loan application is when you want to make large purchases or urgently need money for emergencies. Additionally, another suitable time is when you have a stable income, a strong credit score, and a low Debt-Service-Ratio (DSR).
Can I pay off my personal loan early, or do I have to wait a certain amount of time?
Most banks require you to make payments for a certain period before you can pay off the loan early. This is usually 6-12 months, but it varies by bank. Check your loan agreement or ask your bank directly about their "lock-in period" or "early settlement" rules.