Most bank will only offer max 5x gross salary. Some bank will even ask for min of rm2,000 basic salary. Unless he's working in government sector, I doubt he can even borrow rm10,000.

Hi thanks for the reply

He's working under sub company of Felda. Let say he only able to get rm10k from one bank. Can he apply another 10k from another bank? TQ

The best is Al-Rajhi, 7.5% p.a. , the officer told me next year the interest will revised to higher rate; so please rush if you planning to take PL

working in private sector can apply?working in sg

7.5% with t&c, processing I heard was 3 weeks above ? @@ jz my 2ceny=p

I wana apply for RHB easy loan for 10k. need it immediately within 48 hours.

worked at private for 1 year.
degree graduate
basic 2600
have all documents for proof of income
cc frm UOB with good track record
ptptn blacklist bcuz start paying late.

can get or not? please advice. and do they approve within 10 minutes as advertised?

Well, that's what RHB advertise. You can always walk in to any of their branches. They seem to be everywhere.

yeah. but at kelantan only kota baru hv a branch. too far for me. wanna find out b4 going there.

How about CIMB? says within 24 hours. but the intrest rate is kaw kaw high.

Hi cruel_boy, i am a banker from Alliance bank.

Your situation might need to be review by the under writer. Al rahji do offer one of the best rate in town.

But however there is a stamping fee of 0.5% of the loan amount you applied and so on.

How urgent do you need the cash?

If you can wait for 1 week~ 2 week i would like to propose you to take up then loan from my side.

I can key into a pre-approval system to check are you eligible for the loan and what amount are you entitle to.

If you are interested to know more, please PM me your contact number.

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Added on December 20, 2011, 6:26 pmIf you do have a house, you may consider Refinancing with cash out option as a part of your capital to start up your coffee shop.

Cheers~

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Added on December 20, 2011, 6:42 pmHi, i am from alliance bank as well.

The email is good. no issue on that.

This post has been edited by hidekoywk: Dec 20 2011, 06:42 PM

Try Bank Persatuan, it offer good % interest

I noticed not many people ask about Maybank Personal Loan. How is Maybank PL?

how bout new standchart cash one PL? any review??

Their interest rate range from 9% to 11% base on the amount.

Comes with stamping fee if i am not mistaken 0.05%.

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Added on December 21, 2011, 5:32 pmI only know about quick cash edge~

the interest rate is 0.88% per month. so you multiply it by 12 for per annum.

and there is a stamping fee of 0.05% of the loan amount approved.

This post has been edited by hidekoywk: Dec 21 2011, 05:32 PM

So far for my case, I've applied for the HLB P.Loan and it took me approx. 2 weeks time to be able to have the funds appeared in my account.

hello..

i worked with small company (with staff less than 15 person) and gross income more than RM2k.
i was ineligible to apply Bank Rakyat and MBSB.

i just want to get RM15k or less. any suggestion which bank i should go with interest rate nearly as low as bank rakyat? :|

it is any different using cc and pay slip to apply for pl?which will get higher chances for approval

which bank offer lowest interest rate for non gov staff? fyi my company also has no panel bank.
looking for loan around rm10k. my gross income rm2.1k.
thanks.

Do you have credit card or any loan records more than 1 year?

ineligible might due to other reason.

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Added on December 27, 2011, 7:11 pmDifference will be base on which one will give you higher income.

If basic salary if RM2,000.00 but if your credit card limit is RM15k, definitely credit card will give you higher income after a "income derive formula" by the bank side.

Chances for approval, will be base on your payment records, Total Loan Repayment Ratio and etc.

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Added on December 27, 2011, 7:12 pmsame question:

do you have credit card, or any loan records more than 1 year?

that is the basic requirement to apply for personal loan.

if you do, i think my bank can offer you one of the best rate in town.

This post has been edited by hidekoywk: Dec 27 2011, 07:12 PM

hire purchase (rm502/month) with cimb since august 2010 with good payment. never sangkut
using credit card for around 6 months only with 1.3k outstanding. paying rm150 every month.
which bank?

[quote=hidekoywk,Dec 27 2011, 07:08 PM]
Do you have credit card or any loan records more than 1 year?

ineligible might due to other reason.

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Added on December 27, 2011, 7:11 pm

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i was ineligible because my company doesnt have "sistem gaji" and staff is less than 15 persons - that is what been said to me by bank rakyat setapak.

i don't have any loan records and i just apply credit card - still waiting for approval.
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any suggestion which bank i should go?

so far as i know : cimb 9.8%, maybank 11%