Hong Leong Personal Loan

An unsecured personal loan from Hong Leong Bank with flexible tenure, low repayments and no guarantor or collateral required! Get your loan approved within 48 hours.

Hong Leong Personal Loan20% cashback on interest paid
Interest Rate
from 9% p.a.
up to RM250k
up to 5 years
Loan Type
Unsecured Loan
Min. Income

Loan calculator

Interest rates

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

You borrowLoan periodYour incomeInterest Rate
RM5,000 - RM250,00024 to 60 monthsmin. RM24,0009% p.a. - 12.5% p.a.

Fees & Charges

Interest Rate / APR
As low as 9% p.a., depending on loan amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
No charges/fees provided 3 months prior written notice is given to the bank, or 3 months interest payment
Late Penalty Fee
 1%  from current outstanding amount


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

More Information

Apply online & enjoy promo rates as low as 6% p.a.

For a limited time only, don’t miss the chance to benefit from lower interest/profit rates when you apply online for either Hong Leong Personal Loan or Hong Leong Islamic Personal Financing-i.

Valid from 16 July 2022 until 30 September 2022, enjoy flat interest/profit rates as low as 6% p.a. to 8% p.a. over financing tenures from 2 to 5 years with an online application via Hong Leong’s website or Hong Leong Connect Online Banking.

For Hong Leong Personal Loan, you can apply for financing up to RM250,000, while the minimum loan amount would be RM5,000. The maximum loan amount for Hong Leong Islamic Personal Financing-i, on the other hand, would be RM150,000 and the minimum financing amount would be the same.

Courtesy of Hong Leong Bank, check out the table below for a better understanding of the promo interest/profit rates and the monthly income eligibility. We also would like to highlight that 0.50% of the approved financing amount will be deducted upon disbursement for stamp duty payable.

Online application via Hong Leong’s website

Verified Monthly IncomePromo Flat Interest/Profit RateTenureLoan/Financing Amount
RM2,000 - RM7,9998.00% p.a.2 - 5 yearsMinimum: RM5,000

Maximum: RM250,000 (Conventional) RM150,000 (Islamic)
RM8,000 & above6.00% p.a.2 - 5 yearsMinimum: RM5,000

Maximum: RM250,000 (Conventional) RM150,000 (Islamic)

Online application via Hong Leong Connect Online Banking

Verified Monthly IncomePromo Flat Interest/Profit RateTenureLoan/Financing Amount
RM2,000 & above6.00% p.a.2 - 5 yearsMinimum: RM5,000

Maximum: RM250,000 (Conventional) RM150,000 (Islamic)


  • Only Malaysians aged between 21 to 60 years old
  • Minimum annual income of RM24,000
  • Minimum loan/financing amount is RM5,000
  • Maximum loan/financing amount is RM250,000 (Conventional) and RM150,000 (Islamic)
  • Exclusively only for online application via Hong Leong’s website or Hong Leong Bank’s Connect Online Banking
  • For applications via Connect Online Banking, eligible applicants must hold at least one (1) valid & active individual HLB Current/Savings Account or HLB Islamic Current/Savings Account-i (joint & corporate accounts are not eligible)

Should you have any questions on the promo interest/profit rate, do check out HLB’s webpage or drop by the nearest branch. And don’t forget to read over the terms and conditions of the campaign below too.

1. Promo Interest/Profit Rate Terms & Conditions (Conventional)

2. Promo Interest/Profit Rate Terms & Conditions (Islamic)

Why should I apply for Hong Leong Personal Loan? 

There are several contributing factors you might want to consider with Hong Leong Personal Loan, such as:

  • Higher financing limits up to RM250,000;
  • Longer and flexible repayment tenure up to 5 years;
  • No guarantor and collateral required;
  • 20% cashback on interests paid on your loan. To qualify for this cashback offer, you must pay every instalment of your personal loan on or before the due date. (Rebate is not applicable with the current campaign)

How fast can I get my money?

Hong Leong Bank ensures a fast turnaround time for this personal loan.

You could get your personal loan application approved within 48 hours, once you have submitted the application form and all relevant documents.

You can access to your money via a bank account maintained with Hong Leong Bank or other banks of your choice. However for the latter, it will be subjected to IBG transfer time and charges.

How do I make my monthly instalment payments?

Your personal loan repayments begin on the first day of the month following the date you have received the money and shall continue every month until the total amount of the loan is fully repaid.

There are many channels you can choose to make your personal loan instalment payment, such as:

  • Standing Instructions from your Current Account or Savings Account
  • Internet banking via Hong Leong Connect or other banks
  • Cash payment at MEPS or via Interbank Giro
  • Over-the-counter at branches or via cash deposit machine

Can I pay my Hong Leong Personal Loan off early?

Absolutely. But, you need to inform Hong Leong Bank with a 3-month written notice or 3-month interest payments on the amount redeemed before you fully terminating it. 

Also, there is no penalty for early settlement.

What documents do I need to prepare for this Hong Leong Personal Loan application?

In order to process your personal loan application, you will be asked to provide some supporting documents before making your way to the nearest branch:

Salaried Employee

  • Copy of MyKad (front and back)
  • Latest 3-months salary slips OR
  • Latest EPF statement with at least 12 months' contribution OR
  • Latest 2-years BE form with tax payment receipt
  • Letter of employment
  • Optional documents (rental income, proof of bonuses paid, fixed deposit or mutual funds, etc.)


  • Copy of MyKad (front and back)
  • Business registration document
  • Latest 1-year B form with tax payment receipt OR
  • Latest 6-months bank statements/savings passbook OR
  • Latest 2-years EPF statements 21/22
  • Optional documents (latest 6-months salary slips / 6-months commission slips with crediting proof, rental income, etc.)

Am I qualified to apply for Hong Leong Bank 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.

Hong Leong Bank 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.

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