AmBank AmMoneyLine

AmBank personal loan charges zero processing fee and competitive interest rate with higher financing limit and flexible repayment. 5% rebate for prompt paymaster!

    • Financing up to RM100k
    • Up to 5 years tenure
    • Unsecured Loan
    • 48 hours approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Apply online now for AmBank AmMoneyLine

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for AmBank AmMoneyLine

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to AmBank website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

View product disclosure sheet.

Not the personal loan you're looking for? Did you know you can compare all the personal loan in Malaysia?

Interest rates

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

You BorrowLoan PeriodYour IncomeInterest Rate
RM2000 - RM2000012 to 60 monthsmin. RM360009.99% p.a.
RM21000 - RM5000012 to 60 monthsmin. RM360008.5% p.a.
RM51000 - RM10000012 to 60 monthsmin. RM360008% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
from 8% p.a. to 9.99% 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


Are you eligible for this personal loan?

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

Frequently Asked Questions about AmBank AmMoneyLine

Things you might want to know

Why should I get AmBank AmMoneyLine personal loan?

Whether you want to elevate your lifestyle or in need of cash to cover the unexpected expenses, AmMoneyLine personal loan is your credit lifeline to fill in the necessary gap. This unsecured personal loan charges zero processing fee upon approval and no penalty for early settlement.

Interestingly, you can get a 5% rebate if you consistently make prompt payment on your monthly instalment every year; that means you could be saving up to 25% for a 5 year-worth of borrowing!

How much money can I borrow?

You can borrow from RM2,000 to a maximum of RM100,000 with AmMoneyLine personal loan, subject to credit check and AmBank's approval. The repayment terms is flexible between 1 to 5 years.

The total cost of obtaining this personal loan includes a statutory Stamp Duty charges, which is calculated as 0.50% of the total amount you borrow.

What is the interest rate for AmBank AmMoneyLine personal loan?

The interest rate chargeable on AmMoneyLine personal loan is based on a flat rate and tiered according to your type of employment and borrowing amount. 

For salaried employees, you will be charged between 8% to 9.99% p.a.; whereas self-employed and commission earners, the personal loan interest rate will be as follows:

Type of Employment
Loan AmountInterest Rate
Self Employed and Commission EarnersRM2,000 - RM100,00011.99% (flat)

Your monthly instalment amount, whether fixed or variable income, is fixed throughout the tenure. 

Do I need an insurance cover?

The insurance policy, known as Reducing Term Assurance (RTA), to cover the personal loan unpaid outstanding balance is optional.

How do I pay AmBank personal loan monthly instalment?

Once you have received the money, your personal loan repayment will begin from the start of the following month. You must commit to service your monthly instalment payment every month until the total outstanding balance of the loan is fully repaid.

Payment can be made by cheque or cash as AmBank does not demand standing instructions or salary deductions. Should you fail to make your payment on time, AmBank will charge you a 1% late payment fee, which will be compounded if left unchecked!

You can pay your personal loan off before the end of tenure anytime, but AmBank requires you give a 1-month notice, in writing, before you make your final payment.

What documents I need to apply for AmMoneyLine personal loan?

As this is an unsecured personal loan, you don't need to standby a guarantor or collateral. Together with the application form, you will be asked to provide following supporting documents:

Salaried Employee:

  • Copy of MyKad (front and back)
  • Latest 1-months salary slips; OR
  • Latest EPF statement; OR
  • Latest BE Form with tax payment receipt; OR
  • Latest EA Form.


  • Copy of MyKad (front and back)
  • Business Registration Certificate (must be at least two years old);
  • Latest 6-months personal or Company's bank statement;
  • Latest B Form from the Inland Revenue Board ( LHDN);
  • Latest EPF statement.

Commission earner:

  • Copy of MyKad (front and back)
  • Latest 6-months salary slip (for salary employee with commission);
  • Latest 3-month salary slip (for salary employee with variable income);
  • Latest 6-month commission statement;
  • Latest EPF statement;
  • Latest 6-month bank statement where commission (and salary, if any) is credited;
  • Latest B / BE Form with tax payment receipt;
  • Latest EA Form.

Am I qualified to apply for AmBank personal loan if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect 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.

AmBank 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.

Read More