Personal Loan/Financing

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Personal loan/financing with interest/profit rates as low as 4.99%* per annum.

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Personal Loan/Financing
Your hassle-free, instant disbursement Personal Loan/Financing
Apply online today and receive your funds within 24 hours* of approval. No processing fees, collateral or guarantor required.

Features

Personal Loan/Financing with Interest/Profit Rate As Low As 4.99% p.a.*
Interest / Profit Rates Tenure
4.99% flat p.a. 1 year
5.99% flat p.a. 2 years
8.70% flat p.a. 3–4 years
Board Rates
9.78% – 15.28% flat p.a.
5–7 years

Details

  • Get approved in 10 minutes** for initial loan/financing
    From RM5,000 to RM200,000 in personal loans/financing
    Disbursement takes place within 24 hours* once approved
    Apply online wherever and whenever you want
    No processing fees
    No collateral required
    No guarantor required
    Up to 7-year tenure for personal loans/financing

**10 minutes begin from submitting basic information up to receiving the initial loan/financing offer. This is an indicated approval; the final status is subject to the bank's decision.

How To Apply

 

Eligibility

Quick Personal Loan/Financing Eligibility Check
  • You are a Malaysian citizen with the latest MyKad (dual image).
  • You are a Malaysian working and residing in Malaysia.
  • Your age is between 21 to 60 years old (upon maturity of Facility).
  • You have a minimum gross monthly income of RM3,000 or RM36,000 per year.

FAQs about Alliance Digital Personal Loan/Financing

You will get one of the best features for a low interest/profit rate personal loan/financing with Alliance Bank Malaysia’s Digital Personal Loan/Financing, be it for its quick approval and disbursement, quantum and rate of loan/financing and fuss-free. Here are the features:
  • Interest/profit rate as low as 4.99% p.a. plus 20% cashback on interest/profit*
  • Approval in as fast as 10 minutes**
  • Disbursement within 24 hours upon approval*
  • Online application anywhere and anytime
  • No processing fees
  • No collateral required
  • No guarantor required
  • Personal loan/financing tenure up to 7 years
*Terms and conditions apply.
Stamp duty (0.5%) on total approved personal loan/financing amount, to be deducted from personal loan/financing amount.

Unless otherwise specified herein, our charges exclude any current taxes and future taxes that may be imposed (including the Sales and Services Tax (“SST”), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, we will be entitled to recover such taxes from you.
Yes, you can! Click here to apply for one of the best-featured, low interest / profit rate personal loan/financing with Alliance Bank Malaysia’s Digital Personal Loan/Financing.
Yes, to apply for this personal loan/financing, your minimum monthly gross income must be RM3,000 and your age must be between 21 to 60 years old in order to be eligible to apply.
The approval for initial loan/financing for Alliance Bank Malaysia’s Digital Personal Loan/Financing can be as fast as 10 minutes**, beginning from the submission of basic information up to the receiving of the initial loan/financing offer. This is an indicated approval, final status will be subjected to the bank's decision.
The disbursement of funds for the Digital Personal Loan/Financing after approval can be as quick as within 24 hours* after approval (terms and conditions apply).
To check your personal loan/financing application’s status, you may call our Customer Service at 03-5516 9988. We are open daily from 8am to 10pm.

Be assured that we will be contacting you as soon as we obtained the status of your application for the personal loan/financing.
The personal loan/financing’s interest/profit rate on Alliance Bank Malaysia’s Digital Personal Loan/Financing starts from as low as 4.99%* flat per annum. Depending on the number of years of loan/financing tenure that you are applying for (up to 7 years), the interest/profit rate will vary according to the years of loan/financing tenure.

Below is an example of the calculation for the interest/profit rate and total interest/profit:

Interest/Profit Rate

Approximately 4.99%* per annum to 15.28% per annum (flat rate).

Effective Interest/Profit Rate: Approximately 9.14% per annum to 25.08% per annum based on 5 Years Financing tenure).

The Interest/Profit Rate quoted and/or prescribed by the Bank hereunder is subject to the Bank's right to vary the same at any time and from time to time with prior notice to you.

Total Interest/Profit

Financing Amount (RM) × Interest/Profit Rate (%) × Tenure (Years).

Example: Financing Amount: RM20,000, Interest/Profit Rate: 10.68% p.a., Tenure: 5 Years.

Therefore Total Interest/Profit = RM20,000 × 10.68% p.a. × 5 Years = RM10,680.
 
You can have as many personal loans/financings as you want with Alliance Bank Malaysia/Alliance Islamic Bank as long as your credit record fulfills the bank’s credit requirement or criteria.
RM200,000 is the maximum amount that you can apply in a single application for Alliance Bank Malaysia’s Digital Personal Loan/Financing.
There is no processing fee incurred for the application of Alliance Bank Malaysia’s Digital Personal Loan/Financing.
Click here to log on to Alliance Bank Malaysia’s Digital Personal Loan/Financing and apply online. We will check and assess for you and if you are qualified, we will recommend the best amount and tenure of loan/financing (in years) that you are eligible to apply for. Alternatively, if you have enquiries, you may call our Customer Service at 03-5516 9988. We are open daily from 8am to 10pm.
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Customer Service: 03-5516 9988
Operating Hours: 8am to 10pm
(Monday to Sunday)

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