OCBC Al-Amin Cash Financing-i

Finance up to RM250,000 with this unsecured Islamic financing. Whatever your needs, OCBC Al-Amin can have it tailor made just for you!

    • Financing up to RM250k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
  • 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
RM6000 - RM25000024 to 120 monthsmin. RM600008.99% p.a.
RM6000 - RM25000024 to 120 monthsmin. RM1200007.99% p.a.
RM6000 - RM25000024 to 120 monthsmin. RM1800006.99% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 6.99% p.a. to 8.99% p.a. , depending on financing amount and period
Early Termination Fee
RM150 2.5% of remaining amount
Late Payment Charge
1% from current outstanding amount


Are you eligible for this personal financing?

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

Frequently Asked Questions about OCBC Al-Amin Cash Financing-i

Things you might want to know

How much money can I finance?

OCBC Al-Amin Cash Financing-i offers personal financing from as low RM6000 with repayment terms from two to maximum ten years.

How much does this personal financing cost?

OCBC Al-Amin does not charge any processing fee!

What do I need to apply for this personal financing?

OCBC Al-Amin Cash Financing-i is an unsecured financing therefore you do not need a guarantor or deposit as collateral in case you are unable to pay back your financing.

You will need to provide supporting documents with your application

  • Copy of MyKad (front and back).
  • 1-month salary slip.
  • 1-year EPF statement.

How do I get my hands on the money?

Your financing facility approval takes a few business days to process. The bank will call you if your application is successful. 

The approved funds will be transferred to the account of your choice as stated in the application form.

How do I pay the money back?

You will start repaying your financing instalment on the date stated in the Bank’s payment schedule, which is usually a month following the date you received the cash.

Instalments must be paid monthly as per the schedule until the financing is fully repaid. Failure to pay on time will cost you 1% p.a. of the amount in arrears.

What if I pay more than the monthly instalment?

The additional money will be treated as an advance payment to your next financing instalment. It will not reduce your financing principal and you cannot withdraw the money.

Can I pay my OCBC Cash Financing-i off early?

Sure you can! You may settle your financing at any time you wish. If you settle your financing in the first half of its tenure, you will be charged an early termination fee of RM150 or 2.5% of the total amount financed, whichever is more.

If you settle your financing in second half of its tenure, the bank will grant you a rebate - that means you actually will be rewarded for being early.

Is OCBC Cash Financing-i Syariah compliant?

Yes, OCBC Cash Financing-i is compliant with the Bai Al-Inah Syariah standard.

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