RHB Personal Financing

Previously known as RHB Easy-Pinjaman Ekspres, this loan is a fast approval personal loan with a borrowing amount of up to RM150,000. Everything's a breeze when you're banking with RHB!

RHB Personal FinancingOn-the-spot Approval
Interest Rate
from 8.59% p.a.
up to RM150k
up to 7 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
RM2,000 - RM15,00012 to 84 monthsmin. RM18,00013.76% p.a.
RM16,000 - RM50,00012 to 84 monthsmin. RM18,00012.02% p.a.
RM51,000 - RM99,00012 to 84 monthsmin. RM18,00010.3% p.a.
RM100,000 - RM150,00012 to 84 monthsmin. RM18,0008.59% p.a.

Fees & Charges

Interest Rate / APR
As low as 8.59% 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


Minimum Annual Income
Minimum Age
  • 21 to 55 years old
Who can apply
  • Any nationality
  • Private Sector Employee Only
  • Salaried employee

More Information

RHB Personal Financing Product Features

Approval Duration Min. Loan Amount Max. Loan Amount

Within 24 hours

RM 2,000

RM 150,000

Other Product Features

Interest Rate

Min. Loan Tenure

Max. Loan Tenure

Debt Consolidation

Fixed rate of 8.59% – 13.76% per annum 1 year 7 years Yes

About RHB Personal Financing

The RHB Group is committed to a high level of innovation and forward-thinking which makes it a local favourite among the people of Malaysia and a preferred financial service provider across Asia. 

RHB, in Malaysia, caters to a wide variety of customers through banking and financial services like asset management, premier banking, investment banking, loans, credit cards and Islamic banking.

How much money can I borrow from RHB Personal Financing?

Previously known as RHB Easy-Pinjaman Ekspres, this RHB personal loan really is an express loan, you can be approved immediately for borrowing between RM2,000 and RM150,000. 

You can even choose loan repayment terms for up to 7 years.

How much does this personal financing cost?

There are no processing fees and no hidden charges with RHB Personal Financing. 

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 bring to apply for this RHB loan?

First of all, this RHB Personal Financing 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. 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 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 RHB 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 RHB Personal Financing 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.

Is there anything else I should know about this personal loan?

Please note that this is a ‘reducing balance’ loan. 

Your RHB Personal Financing instalments 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 program. 

Do I need insurance for this RHB 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 personal financing from RHB.

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