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 FinancingGet approval within 24 hours
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
  • Malaysians
  • 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 Malaysians working in the private sector only. 

Once your loan is conditionally approved, all you need to bring along with you to the bank branch is your IC.

With biometric verification, all your income data needed will be auto-filled electronically by RHB. No documents or forms to fill out!

However, you will need to prepare the following documents upon the bank’s request.

Salaried Employee:

  • A copy of your IC (both sides)

And the following extra documents upon the bank’s request:

  • Latest 3-months salary slips
  • Latest 12-months EPF statement
  • Letter of Employment (mandatory for employment below 6 months)


  • A copy of your IC (both sides)

And the following extra documents upon the bank’s request:

  • Business Registration Certificate (business must be at least 2 years old)
  • Latest 6-months bank statement
  • Latest Form B/BE with an official tax receipt
  • A copy of Forms 9, 24 and 49
  • Latest Notice of Assessment & latest tax payment receipt (for those working in Singapore)

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 type of 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 managing your debt and getting back on track? 

Get in touch with AKPK - 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.

How do I apply for RHB Personal Financing?

It’s easy to apply and you can do so online with our chatbot on WhatsApp. The steps are:

Step 1:

  • Click on the Apply Now button
  • You will then be directed to our WhatsApp chatbot
  • Start your application by answering the questions asked by our chatbot to check your eligibility
  • Your answers will be submitted to RHB bank to be processed as an application

Step 2:

  • Within 24 hours, RHB bank will send you an SMS to notify your loan application status

Step 3:

  • Once you have received the SMS approval, visit the RHB branch that you have selected in the chatbot within 7 working days and remember to bring your IC
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