Best Low Income Personal Loans in Malaysia

If you’re a low to middle income earner, or self-employed, and need money to meet day-to-day expenses, look no further than these personal loans with easy income requirements. Apply now to lighten the load of daily life and get a little leverage on your monthly earning.

I would like to borrow RM over

My annual income is RM as a as a

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Bank logoPersonal loan name and reviewInterest RateBorrowed AmountMonthly RepaymentApply Online
Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar

Bank Rakyat Pembiayaan Peribadi-i Rakan Pintar

Floating rate personal financing for low income earner in the public sector with competitive profit rate, higher financing limit and longer repayment tenure

Profit Rate
3.26% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM443.83
Read moreApply now
Bank Rakyat Personal Financing-i Public

Bank Rakyat Personal Financing-i Public

For those working in the public sector, GLC companies and its subsidiaries, borrow up to RM200,000 for maximum 10 years and choose to repay over competitive fixed or floating profit rate.

Profit Rate
3.7% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM447.50
Read moreApply now
AmBank Islamic Personal Financing-i

AmBank Islamic Personal Financing-i

An unsecured Islamic personal loan designed especially for government sector workers - start your repayments after the third month

Profit Rate
4.3% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM452.50
Read moreApply now
UKHWAH Cash-i

UKHWAH Cash-i

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!

Profit Rate
4.35% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM452.92
Read moreApply now
BSN SKAN

BSN SKAN

Exclusive BSN personal loan for State Government Department employees with low interest rates, low income requirement, optional insurance coverage and no lock-in period!

Interest Rate
4.5% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM454.17
Read moreApply now
BSN SKAP

BSN SKAP

Exclusive BSN personal loan for Federal Government servants with low interest rates, low income requirement, optional insurance coverage and no lock-in period!

Interest Rate
4.5% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM454.17
Read moreApply now
Bank Rakyat Personal Financing-i for Pensioner

Bank Rakyat Personal Financing-i for Pensioner

A flat rate unsecured Islamic personal loan for Senior Citizens with low income requirement to realize your retirement goals. No guarantor is required!

Profit Rate
4.63% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM455.25
Read moreApply now
Public Bank BAE Personal Financing-i

Public Bank BAE Personal Financing-i

An unsecured, flat rate Bai Al-Einah personal financing for Government sector workers. Enjoy higher financing limit with longer repayment tenures!

Profit Rate
4.88% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM457.33
Read moreApply now
Agrobank AgroCash-i

Agrobank AgroCash-i

Open to government employees and GLC staff, borrow for up to 10 years at competitive rates and start pursuing your agricultural dreams with Agrobank

Profit Rate
6.45% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM470.42
Read moreApply now
RHB Pensioner Personal Financing-i

RHB Pensioner Personal Financing-i

Exclusively for pensioners of Malaysian government servant, achieve your retirement goals with a flat rate Islamic personal financing - no guarantor is required!

Profit Rate
15% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM
Read moreApply now
AEON iCASH Personal Financing

AEON iCASH Personal Financing

This is a simple AEON Personal Financing with express approval and flexible repayments. Pay at low monthly profit rates for up to 7 years!

Profit Rate
18% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM566.67
Read moreApply now
CIMB Xpress Cash Financing-i

CIMB Xpress Cash Financing-i

Borrow up to 8x your monthly salary for maximum 5 years with CIMB Islamic personal loan. Receive instant approval, 100% cash disbursement and rebate for early settlement.

Profit Rate
24% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM616.67
Read moreApply now
Doctor Ringgit Loan

Doctor Ringgit Loan

Easy approval with shortest processing time loan that will help you ride out the storm for the month. Still pinching for cash? Get a reloan up to RM5,000!

Get a Free RM20 Touch 'n Go Card - Only at RinggitPlus!

Interest Rate
% p.a.
Borrowing
RM10000
over 2 years
Monthly Repayment
RM
Read moreApply now

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