Al Rajhi Bank

Al-Rajhi Personal Financing-i

You can afford to borrow within your budget with Al Rajhi Islamic personal loans.

    • Financing up to RM150k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
    • Takaful insurance required
    • 48 hours approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

Apply online now for Al-Rajhi Personal Financing-i

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Interest Rates

How much the bank charges you based on your loan amount & loan period

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM5000 - RM15000012 to 120 monthsmin. RM600008.99% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 8.99% p.a., depending on financing amount and period
Processing Fee
No Fee
Late Payment Charge
You must take takaful insurance with this financing.


Are you eligible for this personal financing?

Minimum annual income
Minimum age
25 years old
Maximum age
60 years old
Who can Apply
  • Malaysians

Frequently Asked Questions about Al-Rajhi Personal Financing-i

Things you might want to know

How to apply for Al Rajhi Bank Personal Financing-i

How much money can I borrow?

Al Rajhi Bank Personal Financing-i allows you to borrow up to RM150,000, or 5x your monthly salary, whichever is lower. Repayment terms run for between one and five years. No guarantor or extra security is required.

How much does an Al Rajhi Bank Personal Financing-i loan cost?

The Personal Financing-i product from Al Rajhi Bank has no processing fees and there are no hidden charges. You will need to pay Government Stamp Duty, which is 0.50% of the amount you borrow, and you must take a Takaful insurance package with your loan.

What do I need to apply for Personal Financing-i from Al Rajhi Bank?

As this is an unsecured personal loan you will not need to provide a guarantor or down payment with your application. When applying you will be asked to provide supporting documents such as:

Salaried Employee

  • Copy of MyKad (front and back).
  • Last three month’s payment slip, or EPF statements, or Reference Letter from your Employer.
  • Last three month’s bank savings account passbook or current/savings account statement.


  • Copy of MyKad (front and back).
  • Business Registration Certificate (must be at least two years old) and Articles of Association.
  • Last six months bank statements.
  • Most recent Form B from the Inland Revenue Board.
  • Latest 3 years audited or unaudited or management draft accounts.
  • Memorandum and articles of association.

How do I get my hands on the money?

Al Rajhi Bank loan applications are usually processed within 24 hours. As soon as your application is approved the borrowed money will be transferred to the account of your choice.

How do I pay the money back?

Your loan repayments schedule will be fixed as and when you make your application. Payments need to be made every month until the total amount of the loan is repaid.

Al Rajhi Bank does not demand standing instructions or salary deductions as means of repayment.

Can I pay my Al Rajhi Bank personal loan off early?

You can finish your loan by paying the total amount owing at any time.

Is the Al Rajhi Bank Personal Financing-i Loan product Syariah compliant?

Yes, the product is based on Al Rajhi Bank’s own Syariah standard.

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