Affin Islamic Personal Financing-i

Fulfil your dream affordably with Islamic personal financing that offers competitive profit rates, a high margin of financing and flexible tenures of up to ten years.

Affin Islamic Personal Financing-iCompetitive Profit Rate!
Profit Rate
From 3.5% p.a.
up to RM250k
up to 10 years
Loan Type
Unsecured Islamic Financing
Min. Income

Loan calculator

Profit rates

Based on your loan amount & loan period, the profit rates are as low as the following

Financing ValueFinancing periodYour IncomeProfit Rate
RM2,500 - RM250,00024 to 120 monthsmin. RM18,0003.5% p.a. - 5.3% p.a.

Fees & Charges

Profit Rate / APR
As low as 3.5% p.a.,depending on financing amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
and be rewarded with rebate (ibra') which is equivalent to the deferred profit at the point of settlement.
Late Penalty Fee
 1%  from current outstanding amount
Mode of Payment
You must pay your financing installment by salary deduction


Minimum Annual Income
Minimum Age
  • 21 to 58 years old
Who can apply
  • Malaysians
  • Confirmed and Permanent Staff
  • Government employee
  • GLC employee

More Information

Tell me about this Islamic personal loan by Affin Islamic Bank.

This is a clean and unsecured Islamic personal financing based on the Tawarruq contract offered to eligible borrowers for personal consumption and not for luxurious purposes. 

Affin Islamic Bank requires you to disclose the purpose of financing in the application form.

Who can apply for this Islamic personal loan?

The minimum age eligible to apply for this Islamic financing is 21 years old, with the maximum age capped at 58 years old.

Affin Islamic Personal Financing-i is open to 1) Pensioners and 2) Confirmed fixed income government and GLC employees. Salaried staff including Special Financing Programme is eligible to apply as well.

What do I get from Affin Islamic Personal Financing-i?

You can borrow any amount between RM2,500 to RM250,000 from 2 years up to 10 years with Affin Islamic Personal Financing-i. 

Besides, you will also be charged competitive profit rates from as low as 3.50% up to 5.30% per annum for the whole tenure.

Do click on the payment table here for your reference.

How do I repay this Islamic personal loan?

You will have three options to choose to repay your monthly instalment to Affin Islamic Bank, such as by salary deduction, auto-debit for monthly instalments (for employees whose salary is credited to Affin Islamic Bank account), or Standing Instruction.

Do I need a guarantor or collateral for this loan application?

There is no need to standby a guarantor or collateral when applying for Affin Islamic Personal Financing-i. However, you will be asked to make 1-month advance payment and 2-months instalment amounts as a security deposit. 

This amount will be deducted from your approved financing limit upon facility disbursement.

What are the fees and charges I have to pay?

You need to pay the statutory Stamp Duty fee, which is calculated at 0.5% of the financing amount, in addition to an Agency fee. Affin Islamic Bank does not charge a processing fee or early termination fees.

Am I qualified to apply for Affin Islamic Personal Financing-i if I'm blacklisted?

Depending on your credit history with other financial institutions because all this information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS/ CTOS (a system that collects credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course would be to break the habit and start making your payments on time to avoid future hurdles.

Affin Islamic Bank is more likely to approve your personal loan application if you can show that you are managing your personal finances, rather than accumulating more debt.

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