Al Rajhi Bank

Al Rajhi Personal Financing-i

Enjoy more financing up to RM150,000 with a shariah-compliant facility with no hidden fees or guarantor required! Choice of repayment up to 8 years and option to settle in full anytime.

    • Financing up to RM150k
    • Up to 8 years tenure
    • Unsecured Islamic Financing
    • Takaful insurance required
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

The Ideal Financing Solution for You

Enjoy 6.99% p.a. Low Profit Rates with Al Rajhi Personal Financing-i

Apply online now for Al Rajhi Personal Financing-i

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Profit rates

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

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM10000 - RM15000024 to 96 monthsmin. RM600006.99% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 6.99% p.a., depending on financing amount and period
Processing Fee
No Fee
Stamp Duty
0.5% of total amount borrowed
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 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. Choice of repayment terms from 2 to 8 years. No guarantor or extra security is required.

What are the fees and charges for Al Rajhi Bank Personal Financing-i?

This 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.

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

As this is an unsecured personal financing facility, you are not required 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).
  • Latest 3 month’s payment slip with Reference Letter from your Employer.
  • Latest 3 month’s bank account statements.


  • 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 un-audited or management draft accounts.
  • Memorandum and articles of association.

How do I get my hands on the money?

First you will be required to have either a current or savings account with Al Rajhi Bank. The financing applications are usually processed within 24 hours, after which you will get to access your money via your Al Rajhi Bank Account.

How do I pay the money back?

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

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

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

You can settle the outstanding balance by paying the total amount owed at any time.

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

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

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