CIMB Cash Plus Personal Loan

Offering 100% cash disbursement, competitive interest rates and flexible repayments options - fulfill your dream with CIMB personal loan.

CIMB Cash Plus Personal LoanFast Approval
Interest Rate
from 6.88% p.a.
up to RM100k
up to 5 years
Loan Type
Unsecured Loan
Min. Income

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Cashback Giveaway From CIMB
worth RM1000
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Loan calculator

Interest rates

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

You borrowLoan periodYour incomeInterest Rate
RM2,000 - RM100,00024 to 60 monthsmin. RM24,0006.88% p.a.* - 14.88% p.a.*

Fees & Charges

Interest Rate / APR
As low as 6.88% p.a.*,  subject to the Bank's approving criteria
Processing Fee
Stamp Duty
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount, p.a. on the instalment amount in arrears from the overdue date


Minimum Annual Income
Minimum Age
  • 21 to 58 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed

More Information

What purpose can CIMB Cash Plus Personal Loan be used for?

In this day and age, money is important, and to some extent, brings happiness. 

Believe it or not, your dream can be financed with a personal loan; be it a new business venture, home improvement and renovation, capital for personal investment or your child's education pursuit. 

CIMB Cash Plus Personal Loan makes it nearly possible for you to achieve any of those, and even more - as long as it is reasonable for the bank to consider, as much as it is manageable for you too.

How much money can I borrow from CIMB Cash Plus Personal Loan?

You can borrow up to RM100,000 with this unsecured CIMB personal loan, with the minimum amount you can apply is from RM2,000. 

For existing CIMB customers with a monthly gross income of RM30,000, you may apply for up to RM300,000, subject to eligibility criteria.

The interest rate offered by CIMB Cash Plus Personal Loan is fixed, ranging from as low as 6.88% p.a. to 14.88% p.a., which is equivalent to effective interest rates of 12.31% p.a. to 24.51% p.a., with repayment terms of up to 5 years.

It is important to keep in mind that the interest rate assigned and loan approval is subject to the bank's approving criteria.

What are my monthly obligations for this CIMB Cash Plus Personal Loan?

Your monthly instalment payment will begin one month after you have made a full disbursement of your loan. 

You must make your monthly instalment through deduction from your CIMB Current / Savings Account via Standing Instruction.

There will be a late penalty fee of 1% p.a. on the unpaid balance if you are late on your payment.

Can I fully settle my CIMB personal loan early?

Absolutely. As a matter of fact, you can pay your CIMB Cash Plus Personal Loan off before the end of the financing tenure at zero cost. 

All you need to do is inform CIMB of your intention in writing one (1) month prior to the early settlement.

Why should I get CIMB Cash Plus Personal Loan again?

If you want to reach your goals sooner than you have planned, CIMB can help expedite your dream via its hassle-free application process. 

Once you have submitted all required documents, CIMB may take a few business days to process your application, approve and transfer the money into your CIMB bank account.

Plus point: you will receive a 100% disbursement, meaning there is no processing fee on this personal loan. 

What documents do I need to prepare for this CIMB Cash Plus Personal Loan application?

First, you need to be at least 21 years old and have a minimum monthly income of RM2,000 to qualify for this CIMB personal loan. 

On application, you will be asked to provide supporting documents:

Salaried Employee (fixed and variable income):

Employer Fixed Income Variable Income (Basic + Allowances)
  • Latest 1 month payslip, OR
  • Latest EPF statement with minimum 6 months contributions
  • Latest 3 months payslip, OR
  • Latest EPF statement with minimum 6 months contribution
  • Latest 3 months payslip, AND
  • Latest 3 months salary crediting bank statement, OR
  • Latest EPF statement with minimum 6 months contributions


Type of self employmentIncome documents
Sole Proprietor
Private Listed Company (Sdn Bhd)
  • Latest 6 months company bank statements, AND
  • Business Registration Document

Am I qualified to apply for CIMB 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.

CIMB 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.