Bank Islam

Bank Islam Personal Cash Line-i

A personal loan secured against a Bank Islam Fixed Deposit account, Structured Investment, or Unit Trust. Excellent rate with no fees and fast approval.

    • Financing up to RM200k
    • Up to 5 years tenure
    • Secured Islamic Financing
    • 48 hours approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

Apply online now for Bank Islam Personal Cash Line-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 - RM20000012 to 60 monthsmin. RM180007.6% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 7.6% p.a., depending on financing amount and period
Processing Fee
No Fee
Stamp Duty
0.5% of total amount borrowed
Early Termination Fee
No Fee
Late Payment Charge
1% from current outstanding amount


Are you eligible for this personal financing?

Minimum annual income
Minimum age
18 years old
Maximum age
65 years old
Who can Apply
  • Malaysians
  • Salaried employee
  • Self-employed

Frequently Asked Questions about Bank Islam Personal Cash Line-i

Things you might want to know

How much money can I borrow?

Bank Islam's Cash Line-i allows you to borrow between RM5,000 and RM200,000 over period of one (1) year to five (5) years, secured against a Bank Islam Fixed Deposit account, Unit Trust, or Structured Investment.

How is Cash Line-i secured against my Fixed Deposit, Unit Trust or Structured Investment?

Very simply the amount of money that you can borrow is linked to the funds available, deposited, or invested.

  • Borrow up to 100% of the value of your account if secured against Fixed Deposit.
  • Borrow up to 80% of the value invested if secured against Structured Investment.
  • Borrow up to 60% of the value invested if secured against Unit Trust.

In addition, the Fixed Deposit, Structured Investment, or Unit Trust acts as security against your Cash Line-i loan.

How much does this personal loan cost?

Bank Islam charges a one off ‘Wakalah’ agency fee of RM50. That’s it. There are no hidden charges or fees.

You will need to pay Government Stamp Duty on the amount you borrow, which is calculated at 0.50% of the total amount loaned.

What do I need to apply for this personal loan?

There is no requirement to pay make a deposit or advance payment when you apply for Bank Islam Cash Line-i. In order to process your application you will be asked to provide some supporting documentation:

Salaried Employee

  • Copy of MyKad (front and back).
  • Last 3-months bank statements
  • Latest salary slip


  • Copy of MyKad (front and back).
  • Business Registration Certificate or Operating License.
  • Last 6-months bank statements.

How do I pay the money back?

Loan repayments begin on the first day of the month following the date you received the money you’ve borrowed. Payments can be made via Standing Instruction from current account linked to Personal Cash Line-i until the total amount of the loan is repaid.

Can I pay this Personal Loan off early?

Of course you can. If you find you have extra cash and want to clear your loan before the it is due you can finish before time by paying the full outstanding amount. There are no penalty fees for early repayment.

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