UOB Personal Loan

Buying a new home or starting a business venture? Sign up for UOB Personal loan with interests as low as 5.99% p.a., no guarantor, no hidden fees, fast approval and hassle-free!

UOB Personal LoanFast Approval Loan
Interest Rate
from 5.99% p.a.
up to RM100k
up to 5 years
Loan Type
Unsecured Loan
Min. Income

Get a FREE
Philips SmartPro Easy Vacuum Cleaner
worth RM699
when you apply through RinggitPlus3

Philips SmartPro Easy Vacuum Cleaner

Loan calculator

Interest rates

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

You borrowLoan periodYour incomeInterest Rate
RM50,000 - RM100,00012 to 60 monthsmin. RM84,0005.99% p.a. - 8.88% p.a.
RM5,000 - RM100,00012 to 60 monthsmin. RM84,0009.99% p.a.
RM5,000 - RM100,00012 to 60 monthsRM48,000 to RM83,98810.99% p.a.
RM5,000 - RM100,00012 to 60 monthsRM24,000 to RM47,98811.99% p.a.

Fees & Charges

Interest Rate / APR
As low as 5.99% 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


Minimum Annual Income
Minimum Age
  • 21 to 55 years old
Who can apply
  • Malaysians
  • Permanent Residents
  • Salaried employee
  • Self-employed

More Information

For a limited time until 31st December 2019, you can borrow UOB Personal Loan with interest rates as low as 5.99% p.a. flat, and you could be bringing home a Philips Robotic Vacuum when your personal loan is approved!

Tell me more about this campaign!

This Personal Loan Bonanza Campaign by UOB is giving you the opportunity to pursue your dream with the help of a personal loan at interest rates starting from 5.99% p.a. flat! See the table below for what you are about to get when applying for UOB Personal Loan:

Income Range Min Tenure
1 & 2 years
Min Tenure
3 years
Min Tenure
4 years
Min Tenure
5 years
RM7,000 - RM9,999 9.99% p.a. 8.88% p.a. 8.88% p.a. 8.88% p.a.
RM10,000 & above 9.99% p.a. 7.99% p.a. 7.99% p.a. 5.99% p.a.

This campaign is offered to salaried employees only with a minimum income of RM7,000 per month. If you want to qualify for both a lowest interest rate and a free gift upon approval, you just need to apply a minimum of RM80,000 for 5 years. 

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

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:

Salaried Self-Employed Interest Rate
RM2,000 < RM4,000 RM3,000 < RM6,000 11.99% p.a.
RM4,000 < RM7,000 RM6,000< RM8,000 10.99% p.a.
RM7,000 and above RM8,000 and above 9.99% 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).

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.

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 6-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.