Alliance Bank CashFirst Personal Loan

CashFirst is your go-to personal loan for achieving your goals or debt consolidation. Borrow for up to 7 years at flat interest rates and get approved quickly.

Alliance Bank CashFirst Personal LoanFrom 3.99% p.a.
Interest Rate
from 3.99% p.a.
up to RM200k
up to 7 years
Loan Type
Unsecured Loan
Min. Income

Loan calculator

Interest rates

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

You borrowLoan periodYour incomeInterest Rate
RM5,000 - RM200,00012 monthsmin. RM36,0003.99% p.a.
RM5,000 - RM200,00024 to 36 monthsmin. RM36,0004.99% p.a.
RM5,000 - RM200,00048 monthsmin. RM36,0005.99% p.a.
RM5,000 - RM200,00060 monthsmin. RM36,0006.99% p.a.
RM5,000 - RM200,00072 to 84 monthsmin. RM36,0008.38% p.a.

Fees & Charges

Interest Rate / APR
As low as 3.99% p.a., depending on loan amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount


Minimum Annual Income
Minimum Age
  • 21 to 60 years old
Who can apply
  • Malaysians

More Information

What can I do with Alliance Bank CashFirst Personal Loan?

If you are at your wit's end over your piling outstanding credit cards and/or personal loan debts with other financial institutions, Alliance Bank CashFirst Personal Loan can be used for debt consolidation purposes - make sure you let the bank know your intention to refinance.

Other than that, you can also apply for this Alliance Bank personal loan to fulfill your personal needs such as for home improvement, purchasing a new vehicle, getting married, or starting a new business - as long as it is reasonable enough for the bank to consider.

How much money can I borrow from this personal loan?

Alliance Bank CashFirst Personal Loan offers a competitive flat interest rate and flexible repayment terms. 

The maximum borrowing amount and loan tenure may be subject to Alliance Bank's due diligence and approval.

How fast can I get my money?

Alliance Bank takes between 2 to 3 working days to process your personal loan application, once you have submitted the completed documents to the branch.

Depending on which branches you have selected, you could potentially get your Alliance personal loan application approved and disbursed on the same day, subject to Alliance Bank's approving criteria.

Under its Same Day Cash feature, you need to bring your application form and supporting documents to perform a biometric scan and print out your EPF statement at Alliance Bank's designated branches:

  • Midvalley
  • Bandar Puteri Puchong
  • Subang Jaya (SS15)
  • Jalan Ipoh
  • Taman Connaught
  • Permas Jaya
  • Batu Pahat
  • Holiday Plaza
  • Air Itam
  • Butterworth
  • Sinsuran
  • Jalan Gaya
  • Laksamana
  • Taman Eng An
  • Puchong Jaya

If you wish to disburse the approved money into another bank account of your choice, it will be subjected to IBG transfer time and charges.

Are there fees and charges I need to pay?

The advantage of Alliance Bank CashFirst Personal Loan is that there is no processing fee and early exit fee. 

As for the latter, you only need to give the bank 3 months' written notice or interest rates.

The only fees you are required to pay for is the Stamp Duty of 0.5%, which will be deducted from your total borrowed amount.

Who can apply for Alliance Bank CashFirst Personal Loan?

All Malaysians that are working and residing in Malaysia aged between 21 and 60 years can apply for this personal loan. 

For example, if you are 58 years old at the time of this Personal Loan application, you can only borrow for a maximum of 2 years as your loan tenure will cease upon reaching the maximum age of 60 years old.

To make an application you must provide supporting documents:

Salaried Employee:

  • Copy of MyKad (front and back)
  • Copy of Disbursement Account statement/passbook (first page)
  • Latest 3-months salary slip
  • Latest 6-months EPF statement; OR
  • Latest BE form with tax payment receipt
  • Latest 6-months commission statement (for commission earners)


  • Copy of MyKad (front and back)
  • Copy of Disbursement Account statement / passbook(first page)
  • Latest 6-months salary slip OR company's bank statement
  • Latest 6-months EPF statement
  • Latest B Form with tax payment receipt

Am I qualified to apply for Alliance Bank personal loan 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 of action would be to break the habit and start making your payments on time to avoid future hurdles.

Alliance 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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