CIMB Xpress Cash Financing-i

An Islamic personal loan with 24-hour turnaround fast approval and cash disbursement. Borrow up to a maximum of 10x your salary.

    • Financing up to RM50k
    • Up to 5 years tenure
    • Unsecured Islamic Financing
    • Takaful insurance required
    • 24 hours approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

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Profit rates

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

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM3000 - RM500006 to 60 monthsmin. RM960024% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
As low as 24% 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
You must take takaful insurance with this financing.


Are you eligible for this personal financing?

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

Frequently Asked Questions about CIMB Xpress Cash Financing-i

Things you might want to know

How much money can I borrow?

The CIMB Xpress Cash Financing-i personal loan allows you to borrow between RM3,000 and RM50,000 over repayment terms of sixth months to five years. As you apply CIMB will run a credit check using your personal details. In most cases, you will not be allowed to borrow more than 10x your monthly gross salary.

CIMB promises 24 hour approval and cash disbursement when you've completed your application and AKAD.

How much does CIMB Xpress Cash Financing-i cost?

There are no processing fees or hidden charges. You will be required to pay Government Stamp Duty, which is calculated at 0.50% of the total amount you borrow.

You may also be required to take Takaful insurance cover for the period of your loan.

What do I need to apply for this CIMB loan?

As this is an unsecured personal loan you will not need to provide a deposit or down payment. You will need to supply a guarantor if your loan is greater than RM5,000. In order to make an application you may be asked to provide supporting documents:

Salaried Employee

  • Copy of MyKad (front and back).
  • Last three month’s payment slip, EPF statement, or letter from your Employer.


  • Business Registration Certificate.
  • Last three month’s bank statements.
  • Last BE form with income tax receipt.

How do I get my hands on the money?

CIMB promises to turnaround your application within 24 hours. As soon as your loan is approved the money you are borrowing will be transferred into a CIMB bank account.

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 need to be made every month until the total amount of the loan is repaid.

CIMB states that repayments must be made by automatic Standing Instruction.

Can I pay my CIMB Xpress Financing-i loan off early?

You can end your loan by paying the total amount owing whenever you want to 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 and you should receive an Ibra’ (rebate) on the Interest charged for the total loan should the remaining period be six months or more.

Is the CIMB Xpress loan Syariah compliant?

Yes, the facility is based on CIMB’s Syariah standards.

Is this the most expensive personal loan offered by a bank in Malaysia?

Yes, yes it is.

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