UOB Personal Loan

Get the freedom to do more with this unsecured personal loan from UOB. You can apply no matter if you're self-employed or a salaried employee.

    • 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

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our terms & conditions. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for UOB Personal Loan

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to UOB website

If you have any questions let us know at can@ringgitplus.com, we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Not the personal loan you're looking for? Did you know you can compare all the personal loan in Malaysia?

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
No Fee
Stamp Duty
0.5% of total amount borrowed
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

How much money can I borrow?

Need cash to pay off your home renovation work, children's college fees, or family getaway? UOB Personal Loan offers lending from RM5,000 to RM100,000 (RM50,000 for those self-employed) which you can repay over one to five years.

There's no need to appoint a guarantor or collateral to secure your UOB Personal Loan - just submit your application form with supporting documents and the bank will do the rest without all the fuss.

Can I apply for this UOB Personal Loan?

The minimum income requirement to apply for this loan will depend if you're a salaried employee or self-employed.

If you get paid a salary, you'll need need to earn RM2,000 to be eligible for this UOB loan. If you're self-employed, that means if you're working as a freelancer or own your own business, you'll have to earn at least RM3,000.

The higher your monthly income, the lower your interest payments will be!

How much does this personal loan cost?

There's good news - UOB does not charge any application or processing fees for a personal loan.

How do I get my hands on the money?

Your UOB personal loan application will be processed within a few business days. Once approved, funds will be transferred to the bank account you have selected in your loan agreement.

How do I pay the money back?

The loan repayment schedule will be detailed in your application approval document. Usually payments begin the month following the date you receive your loan and continue at monthly intervals until the 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 loan in full at any time. UOB will charge you a one-off fee of 3% of the total borrowed amount or RM300 (whichever is greater) as an Early Termination fee.

What do I need to apply for this personal loan?

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

If you're a salaried Employee:

  • Copy of NRIC (front and back)
  • Latest salary slips
  • Latest EPT statement
  • Latest B/BE form with copy of tax payment receipt
  • Latest bank statements

If you're self-employed:

  • Copy of NRIC (front and back).
  • Latest B/BE form with copy of tax payment receipt.
  • Previous 6 month’s bank statements.
  • Form 9, 24 & 49 or Company and/or Business Registration

Read More