AmBank AmMoneyLine

Personal loans made easy with zero processing fees and low monthly repayments. Cash disbursed in 24 hours.

    • 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.: -%

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Interest rates

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

You BorrowLoan PeriodYour IncomeInterest Rate
RM2000 - RM10000012 to 60 monthsmin. RM240008% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
As low as 8% p.a., depending on loan amount and period
Stamp Duty
0.5% of total amount borrowed
Early Termination Fee
No charges
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

How much money can I borrow?

AmMoneyLine personal loans range from RM2,000 to RM100,000 with repayment terms between one (1) to five (5) years. The interest rate you are offered will be subject to your application credit check.

How much does an AmBank AmMoneyLine Personal Loan cost?

AmMoneyLine does not charge any loan processing fees. You will need to pay Government Stamp Duty which is calculated as 0.5% of the total amount you borrow.

What do I need to apply for AmMoneyLine Personal Loan?

As this is an unsecured personal loan you will not need to provide a guarantor or down payment. To make an application you will be asked to provide supporting documents:

Salaried Employee

  • Copy of MyKad (front and back)
  • Last three month’s payment slips or EPF statements.
  • Last three month’s bank savings account passbook or current/savings account statement.


  • Business Registration Certificate (must be at least two years old).
  • Last six month’s bank statements
  • Most recent Form B from the Inland Revenue Board
  • Latest EPF form.

How do I get my hands on the money?

An AmMoneyLine personal loan application is usually processed within 48 hours. Once your application is approved the borrowed money will be transferred to the account of your choice.

How do I pay the money back?

Loan repayments start the first day of the month after you’ve received the money you are borrowing. Payments need to be made every month until the total amount of the loan is repaid. 

You can make your loan payments by cheque or cash, AmBank does not demand standing instructions or salary deductions though you can set those up if you want to. If you make your payments on time each month you will be entitled to a 5% rebate on the interest charged every 13th month.

Although AmMoneyLine is a flat rate personal loan, if you do not make your payments on time the Interest on missed payments will be compounded and added to the total amount outstanding, together with a 1% late payment fee.

Can I pay my AmMoneyline loan off early?

You can pay off your loan in full whenever you like but you will need to give one months notice, in writing, before you make your final payment. There are no penalty fees for early repayment.

What should I do if I am blacklisted on CCRIS?

Contrary to popular belief, CCRIS is not a ‘blacklist’ but a centralised database maintained by BNM with records of your entire credit history. It you start repaying your current debts and make regular monthly payments for all your bills, this will improve your credit rating.

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

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