Usually the higher of your salary, the lower interest rate bank will offer..some bank have some hidden costs when the interest rate is low

From their site lowest is 9.99%... I guess it must be for selected customers but no harm giving it a shot. Thanks!

Hi all sifus... im just wondering, just got a call from BI, said that my loan rejected due to im been hit for "scoring", then i ask them, what is that. They unable to tell me the reason behind it, only able to say that rejected.

Anyone mind to enlighten me that what this "scoring" is?

Common factor for reject under scoring code, late payment or total credit limit oustanding more than 70%. This 2 are the most common factor

You can try HLB, 0.5%/month for 6 month period. 0.75%/month for 9 months.
But the interest will based on your outstanding balance.

Hmmm that's actually not too bad. Will give them a call then. Thanks!

Guys, I'm currently looking for a loan of 20k. Expected payment method around 5-6 years. So far I only found the interest rate is at 9.99%. Is that all there is? Oh yes, working in a gov related company. But don't want to use Biro Angkasa for payment.

easy rhb use a computer automated system rather than human to process loan application. by the way, ur chance of approval depends on ur EPF. this what my friends told me, he work at rhb easy. yeah just few minute approved already despite i just come out from cris,ctos n akpk.less than a month plak tu

Hi all, I need a 10k loan - very urgent. Which bank offers best interest rate and is quick and easy? Thanks!

urgent help needed.
i need around rm150k for my business purpose
reported income LHDN RM150k for 2011
monthly turnover arnd rm400k
monthly commitment : house rm5k(ccris 9 mths), car rm1.4k (ccris 4 yrs), personal loan rm1.3k (ccris 6mths). all promptly paid.
hsbc and ocbc rejected as they say my commitment too high.
which bank shd i apply now? any banker that can help?

This post has been edited by mhelmi: Nov 26 2012, 04:45 PM

i need a rm40k loan...
no monthly commitment...

any bank is ?

Hi sifus,

Need 5k cash. 2-3 yrs repayment.
Which bank offers the lowest interest rate?

Thanks,
Joseph

EDIT

This post has been edited by mieza: Feb 5 2013, 10:14 AM

Hi All,

I'm stuck here from looking and searching for all type of loan offered. Anyway, I tried Al-Rajhi, but sadly being informed that for Contract workers need 2 years.

I worked at IBM but contract by Manpower (1 year plus+ already)

I'm looking for personal loan around 15-20k,
Commitment only 2nd hand car 380 monthly (7 years)

Need help. appreciate any assistance.

Bcoz there are several bank offer lower rate compare to maybank. that's why no 1 mention

i need a personal loan at aroun 3k-5k..

i just try to apply from Easy-RHB.. at first the guy say i can get the loan, at least 4k after he see my EPF statement.. but suddenly after i came back next day to give the document he wanted, he straight away say i cannot loan any money because my EPF record not so good..

it ok.. then i try to go at Aeon credit, same happen to me.. the girl say according to my record , i can have the loan at maximum of 5k. then yet again my loan only approved 1.5k. then i just straight away reject it as i need more..

third i try apply from CIMB - Xpress Cash-i.. again.. the officer see my record, then he say can loan, maximum only 5k as i dun want any guarantor. after all docuument submitted, my loan was rejected again..


if there any other way i can get personal loan? i just need 4k for personal reason.. if anyone can help, just PM me..

i provided a bit about my detail as reference if got anyone can help. (i want legal, dun care either bank or credit service)

Basic Pay - 1300 (not included allowance and OT)
work more then 1 year already, but only past 4month as permanent staff (before was not permanent)- i can provide payslip since my first month work until now together with EPF statement..
if can pay back less then 200 is great!

i think third party personal loan is very high interest la bro .. But since you dont have a permanent job / income for the last 6 months its no wonder you cannot get any loan . I dont get what you mean by pay back less than rm200 but if you mean u borrow rm5000 but pay back rm5200 then i dont think any other third party loan company will offer such low interest its like 4% .. Another way is to sell off your valuable belonging , that away at least its not liability anymore

This post has been edited by jie88: Dec 9 2012, 12:57 AM

try MBF..if MBF also rejected i doubt you can apply loan in any banks..

Sell your phone and ipad. Im sure they can help u abit.

i mean less than or around 200 per month...

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Added on December 9, 2012, 8:37 amThat was my last choice, same if i have to sell my motorbike..

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Added on December 9, 2012, 8:39 amMBF? i thought MBF only do credit card? i search from google, nothing on loan but since u said that, than i can head to MBF branch to enquire.. btw, thanks

This post has been edited by zrin14: Dec 9 2012, 08:39 AM