CIMB Xpress Cash Financing-i

Borrow up to 8x your monthly salary for a maximum of 5 years with CIMB Islamic personal loan. Receive instant approval, 100% cash disbursement and rebate for early settlement.

CIMB Xpress Cash Financing-iInstant Approval & No Guarantor
Profit Rate
From 18% p.a.
up to RM50k
up to 5 years
Loan Type
Unsecured Islamic Financing
Min. Income

Loan calculator

Profit rates

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

Financing ValueFinancing periodYour IncomeProfit Rate
RM3,000 - RM50,0006 to 60 monthsmin. RM9,60018% p.a. - 24% p.a.

Fees & Charges

Profit Rate / APR
As low as 18% p.a.,depending on financing amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Rebate (Ibra’) will be provided to you if you fully settle the financing before its maturity.
Late Penalty Fee
 1%  from current outstanding amount, per annum


Minimum Annual Income
Minimum Age
  • 21 to 60 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed

More Information

What can I do with CIMB Xpress Cash Financing-i?

Finance your dream with unsecured personal financing from CIMB; whether to see your child pursuing higher education with flying colours, starting a business, or renovating your home, or multiplying your wealth through investments in unit trusts or property. 

CIMB Xpress Cash Financing-i 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 Islamic?

With CIMB Xpress Cash Financing-i, you can borrow between RM3,000 and RM50,000 over flexible repayment terms from 6 months to 60 months. 

In most cases, you will not be allowed to borrow more than 8x your monthly gross salary.

As per standard, CIMB Islamic will run a credit check using your personal details you before assigning the final borrowing amount and profit rate. 

Once approved, you will receive your cash in few working days.

What are my monthly obligations for CIMB Xpress Cash Financing-i?

Following a full withdrawal of your CIMB Islamic personal financing, you are required to start paying your installment in amortization.

Based on your CIMB Islamic instalment table, your repayments commence every first day of the month until the total outstanding principal amount is repaid.

You must make your monthly installment payment via Standing Instruction. 

Should you late on your repayment, CIMB Islamic will charge you a compensation fee of 1% on the instalment amount in arrears.

Can I fully settle my CIMB Islamic personal loan early?

You can end your Islamic personal loan contract anytime during the tenure by writing to CIMB Islamic a one (1) month notice before you make your final payment. 

There is no penalty for early settlement; however, an Ibra’ (rebate) on the profit charged for the total personal financing will be granted to you.

Why should I get CIMB Xpress Cash Financing-i again?

If you want to reach your goals sooner than you have planned, CIMB Islamic can help expedite your dream with its Shariah-compliant personal loan via a hassle-free application process.

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

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

The only statutory fee you need to pay is the government Stamp Duty on the amount you borrow.

What documents do I need to prepare for this CIMB Islamic personal loan application?

First, you need to be at least 21 years old and have a minimum monthly income RM800 to qualify for this CIMB Xpress Cash Financing-i. 

On application you will be asked to provide supporting documents:

Salaried Employee of MNCs, PLCs or GLCs (fixed and variable income):

  • Copy of MyKad (front and back); AND
  • Latest 3-months salary slips; OR
  • Latest EPF statement with minimum 6 months contributions; OR
  • Latest 3-months salary crediting bank statements


  • Copy of MyKad (front and back); AND
  • Business Registration Certificate; AND
  • Latest 6-months Company's bank statements

Am I qualified to apply for CIMB Xpress Cash Financing-i 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 CIMB Xpress Cash Financing-i application if you can show that you are managing your personal finances, rather than accumulating more debt.

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