Easy by RHB

RHB Easy-Pinjaman Ekspres

A personal loan with low repayments, flexible tenure up to 5 years, no hidden fees or charges, plus on the spot approval. Everything's a breeze when you're banking with RHB Easy!

    • Financing up to RM150k
    • Up to 5 years tenure
    • Unsecured Loan
    • Fast Approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

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Interest rates

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

You BorrowLoan PeriodYour IncomeInterest Rate
RM2000 - RM1000012 to 60 monthsmin. RM1800013.47% p.a.
RM11000 - RM1500012 to 84 monthsmin. RM1800013.47% p.a.
RM16000 - RM5000012 to 84 monthsmin. RM1800011.74% p.a.
RM51000 - RM9900012 to 84 monthsmin. RM1800010.02% p.a.
RM100000 - RM15000012 to 84 monthsmin. RM180008.31% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
from 8.31% p.a. to 13.47% p.a. , depending on loan amount and period
Processing Fee
Stamp Duty
0.5% of the whole amount
Early Termination Fee
RM100 or 1% of remaining amount, whichever is higher with lock-in period of first 6 months
Late Penalty Fee
1% from current outstanding amount


Are you eligible for this personal loan?

Minimum annual income
Minimum age
21 years old
Maximum age
55 years old
Who can Apply
  • Any nationality
  • Private Sector Employee Only

RHB Easy Branch Locator

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Frequently Asked Questions about RHB Easy-Pinjaman Ekspres

Things you might want to know

How much money can I borrow from RHB Easy?

This RHB Easy personal loan really is an express loan, you can be approved immediately for borrowing between RM2,000 and RM150,000. You can choose loan repayment terms up to 7 years.

How much does this personal loan cost?

There are no processing fees and no hidden charges with RHB Easy-Pinjaman Ekspres. You will need to pay Government Stamp Duty on the amount you borrow, this is calculated at 0.50% of the total amount loaned.

What do I need to apply for this RHB Easy loan?

First of all, RHB Easy-Pinjaman Ekspres is open to those working in the private sector only. All you need to bring along with you to the bank branch is your MyKad. With biometric verification, all your income data needed will be auto-filled electronically by RHB Easy. No documents or forms to fill!

However, to be on the safe side, do bring along the following documents with you as well!

If you are a salaried employee, please prepare the following:

  • Latest payment slip
  • Latest 6 months EPF statement
  • Latest bank saving account passbook or current/savings account statement

If you are self-employed, please prepare the following:

  • Business Registration Certificate (business must be at least 2 years old)
  • Latest 6 months bank statement
  • Most recent Form B/BE from LHDN

How do I get my hands on the money?

Apply at your selected RHB Easy branch and if you meet all the requirements your loan will be approved on the spot. The cash will be deposited into your savings or current account.

How do I pay the money back?

Your repayment schedule will be detailed in your application approval document. In most cases payments begin the month following the date you receive your loan and continue every month until the loan has been completely repaid. 

If you're late on your repayments, you will be charged 1%p.a. on the outstanding balance, resulting in a higher loan amount!

Can I pay my Easy-Pinjaman Ekspres off early?

You can settle your loan whenever you want. If you’d like to repay in full before the full loan term is up, you will need to pay an early termination fee of RM100 or 1% of your total loan approved amount (whichever is higher). 

Do note that there is a lock-in period of 6 months from the date of your offer letter.

Do I need insurance for this RHB Easy loan?

Personal Smart Shield (PSS) and Easy-Insurans Kasih Income Aid (EIKIA) are optional insurance policies that you can sign-up for when you apply for Easy-Pinjaman Ekspres.

Is there anything else I should know about personal loans?

Please note that this is a ‘reducing balance’ loan. Your loan installments are fixed each month but the amount of interest you pay gets less and less with each passing month

How do I clear my name if I have been ‘blacklisted’ by CCRIS?

Your entire credit history is recorded in CCRIS. To improve your credit rating with the bank, you’ll want to settle all outstanding payments and loans. Make sure that you settle all your monthly payments regularly thereafter.

Need help to manage your debt and get back on track? Get in touch with APKP - their experienced counsellors can point you in the right direction with AKPK's Financial Counselling and Debt Management programme. 

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