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. Apply online on HLB website and get 5% p.a. promo financing rate!

Hong Leong Personal LoanPromo 5% p.a.!
Interest Rate
from 5% p.a.
up to RM250k
up to 5 years
Loan Type
Unsecured Loan
Min. Income

Loan calculator

Interest rates

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

You borrowLoan periodYour incomeInterest Rate
RM5,000 - RM250,00024 to 60 monthsmin. RM24,0007% p.a.
RM5,000 - RM250,00024 to 60 monthsmin. RM60,0005% p.a.

Fees & Charges

Interest Rate / APR
As low as 5% 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 via HLB website and enjoy 5% per annum promo financing rate!

Yes, you read it correctly. There is a financing rate promotion going on which starts from 1 December 2021 and valid until 30 June 2022.

Depending on your monthly income, you may get to enjoy these promo rates below for a loan tenure of 2 to 5 years when you apply online via Hong Leong Bank's website.

Monthly IncomePromo Financing Rate (Flat)
RM2,000 - RM4,9997.00% p.a.
RM5,000 and above5.00% p.a.

Other than that, you can also apply for this personal loan via Hong Leong Connect Online Banking apps and enjoy a promo rate of 5.00% p.a. over 2 to 5 years loan tenure as well.

Monthly IncomePromo Financing Rate (Flat)
RM2,000 and above5.00% p.a.

Note: For applications via Hong Leong Connect Online Banking, applicant must hold at least 1 valid and active individual Hong Leong Bank Current/Savings Account or Hong Leong Islamic Bank Current/Savings Account-i (joint and corporate accounts are not eligible).

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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