UOB Personal Loan

Buying a new home or starting a business venture? Get the right personal loan to kick start your dreams with UOB - fast approved, no guarantor, no hidden fees, low monthly instalment!

    • Financing up to RM100k
    • Up to 5 years tenure
    • Unsecured Loan
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Apply online now for UOB Personal Loan

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Interest rates

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

You BorrowLoan PeriodYour IncomeInterest Rate
RM5000 - RM10000012 to 60 monthsRM24000 and above11.99% p.a.
RM5000 - RM10000012 to 60 monthsRM48000 and above10.99% p.a.
RM5000 - RM10000012 to 60 monthsRM84000 and above9.99% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
from 9.99% p.a. to 11.99% p.a. , depending on monthly income
Processing Fee
Stamp Duty
0.5% of the whole amount
Early Termination Fee
RM300 or 3% of remaining amount, whichever is higher
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
  • Salaried employee
  • Self-employed

Frequently Asked Questions about UOB Personal Loan

Things you might want to know

Whether you want to start a small business, or putting down deposit for your new home or renovating your current house, or see your child enrolling into a major league college, UOB has the solution for you.

What benefits can I get from UOB Personal Loan?

So you want to make your dreams come true? UOB can help part finance your dream for as low as RM125 per month with its personal loan. You may get some of these perks should you sign up for UOB Personal Loan:

  • Loan amount of up to 6x your monthly income
  • Fast approval loan process
  • No processing fee, no guarantor and no collateral
  • Flexible repayment tenures up to 5 years

Who can apply for UOB Personal Loan?

Any individuals, aged between 21 to 55 years, residing in Malaysia can apply for UOB Personal Loan. The minimum income requirement to apply for this personal loan is based on your employment nature.

If you get paid a salary, you'll need need to earn RM2,000 per month to be eligible; whereas self-employer needs to make a minimum of RM3,000 per month. 

How much money can I borrow?

UOB Personal Loan offers financing amount starting from RM5,000 to a maximum of RM100,000, with repayment period between 1 to 5 years. The interest chargeable on this personal loan is calculated on a flat and fixed rate basis and varies according to your income, see below:

SalariedSelf-EmployedInterest Rate
RM2,000 < RM4,000RM3,000 < RM6,00011.99% p.a.
RM4,000 < RM7,000RM6,000< RM8,00010.99% p.a.
RM7,000 and aboveRM8,000 and above9.99% p.a.

How do I pay for my monthly instalment?

The loan repayment table will be detailed in your application approval document. Usually, your personal loan payments begin the month after the date you have received your money and continue at monthly intervals until the personal loan has been completely repaid.

You can make your monthly payments at any UOB branch using the cash or cheque deposit machines, IBG cash transfers, or internet banking.

Can I settle my UOB Personal Loan earlier?

Yes, you can pay off your personal loan in full at any time. Mind you the lock-in period for this personal loan is equivalent to your contracted loan tenure. 

That said, you are subject to a one time Early Settlement Fee of 3% of the total borrowed amount or RM300 (whichever is higher).

What documents are required to apply for UOB Personal Loan?

You will need to prepare some personal documents before making your way to your nearest UOB branch.

Salaried Employee:

  • Copy of NRIC (front and back);
  • Latest 3-months salary slips;
  • Latest B / BE form with copy of tax payment receipt; OR
  • Latest 3-months bank statement from salary crediting account; OR
  • EPF statement for the last 12 months.


  • Copy of NRIC (front and back);
  • Latest B / BE form with copy of tax payment receipt;
  • Latest 3-months bank statement from salary crediting account;
  • Form 9, 24 & 49 or Company and/or Business Registration.

Am I qualified to apply for UOB personal loan if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect credit information on borrowers, not blacklisting them).

Assuming you have poor credit standing due to irregular payments, the best course of action would be to break the habit and start making your payments on time to avoid future hurdles.

UOB is more likely to approve your personal loan application if you can show that you are managing your personal finances, rather than accumulating more debt.

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