UOB Personal Loan

With interests as low as 9.99% p.a., buying a new home or starting a business is hassle-free with UOB Personal Loan. No guarantor and no hidden fees required too!

UOB Personal LoanNo processing fee, guarantor or collateral
Interest Rate
From 9.99% p.a.
up to RM100k
up to 5 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
RM5,000 - RM100,00012 to 60 monthsmin. RM84,0009.99% p.a.
RM5,000 - RM100,00012 to 60 monthsRM48,000to RM83,98810.99% p.a.
RM5,000 - RM100,00012 to 60 monthsRM24,000to RM47,98811.99% p.a.

Fees & Charges

Interest Rate / APR
As low as 9.99% 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
Late Penalty Fee
 1%  from current outstanding amount


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

More Information

What benefits can I get from the 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 of up to 5 years

How much money can I borrow?

UOB Personal Loan offers financing amounts starting from RM5,000 to a maximum of RM100,000, with a 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 installment?

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 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 this Personal Loan?

Any Malaysian, aged between 21 to 55 years can apply for a UOB Personal Loan. 

The minimum income requirement to apply for this personal loan is RM3,000 for both salaried employees and self-employed individuals.

What documents are required to apply for a UOB Personal Loan?

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

Salaried Employee:

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


  • Copy of MyKad / NRIC (front and back) or Passport;
  • Latest B/BE form with copy of tax payment receipt;
  • Latest 3-months bank statements from the salary crediting account;
  • Form 9, 24 & 49 or Company and/or Business Registration (2 years in the same business).

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

Depending on your credit history with other financial institutions, all this information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collects 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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