Fast approved Islamic personal financing payable via Biro Perkhidmatan Angkasa deduction for civil servants. Enjoy higher financing limit, lower tiered profit rates and UkhwahCare membership entry!

    • Financing up to RM250k
    • Up to 10 years tenure
    • Unsecured Islamic Financing
    • 5 days approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

Apply online now for UKHWAH Cash-i

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Profit rates

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

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM2000 - RM25000024 to 120 monthsmin. RM180004.35 - 4.99% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 4.35% p.a. to 4.99% p.a. , depending on financing amount and period
Processing Fee
Stamp Duty
0.5% of the whole amount
Early Termination Fee
Mode of Payment
You must pay your financing installment by salary deduction.


Are you eligible for this personal financing?

Minimum annual income
Minimum age
19 years old
Maximum age
56 years old
Who can Apply
  • Malaysians
  • Government employee
  • GLC employee
  • Statutory Body employee
  • DBKL employee

Frequently Asked Questions about UKHWAH Cash-i

Things you might want to know

Tell me about UKHWAH Cash-i.

UKHWAH Cash-i is an Islamic personal loan which follows the guideline of Shariah law. UKHWAH Cash-i is not a common personal loan product you can find in the mainstream market for several reasons:

First off, it is offered via Koperasi UKHWAH Malaysia Berhad (Ukhwah), a licensed cooperative under Akta 502 (Akta Koperasi 1993) Malaysia. Unlike banks, cooperative tends to be more lenient when assessing their applicant, as long as you meet the minimum requirements. 

Then, it offers a higher financing limit, longer repayment tenures and charges fixed profit rates - very much like what banks do but without the occasional base rate revision.

How much can I borrow from UKHWAH Cash-i?

You can borrow any amount between RM2,000 to RM250,000, and repay them over flexible tenures, from 2 years to 10 years. Once your UKHWAH Cash-i personal financing has been approved, you will receive up to 90% of the total amount applied, less all relevant charges upfront.

How do I repay my UKHWAH Cash-i personal financing?

Ukhwah requires you to setup Biro Perkhidmatan Angkasa (BPA) deduction for the payment of UKHWAH Cash-i monthly instalments. It is also worth noting that you must not exceed 60% of your gross income for this deduction.

Who is eligible to apply for UKHWAH Cash-i personal financing?

UKHWAH Cash-i opens to all government servants, employees of government-linked companies, statutory bodies and DBKL only. You will also need to meet the requirements as follows:

  • Malaysians, Malaysian Residents or PR;
  • Must be at least 19 years old and not more than 56 years old;
  • Must earn a minimum monthly income of RM1,500;
  • Must be employed in the civil sector for a minimum of 6 months.

For CTOS / CCRIS blacklisted, you can still try your luck applying for UKHWAH Cash-i, and will be bound to terms and agreements. 

Why should I apply for UKHWAH Cash-i personal financing?

There are many reasons which keeping you awake at night, and debts could be one of them. Therefore, UKHWAH Cash-i can be used for debt consolidation from other financial institutions, among other financial needs. Plus, no guarantor is required!

That's not all, you can also enjoy the benefits of UkhwahCare memberships, ranging from hospitality services, financial assistance, Takaful products, will writing etc should you wish to join at small monthly fees.

Where can I apply for UKHWAH Cash-i personal financing?

You can apply for UKHWAH Cash-i personal financing here at RinggitPlus by clicking the APPLY NOW button and expect a call from Ukhwah within 5 working days to complete your application. In the meantime, you can prepare the following supporting documents:

  • 3 copies of MyKad (front and back);
  • Letter of Employment;
  • Latest 3-months validated salary slips;
  • 1 copy of Bank Rakyat or Maybank passbook / account statement;
  • Statement of Outstanding Completion (if any).


  1. 5 copies of Allotment Form for applicants from Sabah and Sarawak
  2. DBKL employee must obtain Emolument Form from Salary Department
  3. Retiree Form (Surat Opsyen Bersara) for applicants 50 years and above

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