i have a question here, is there any personal loan for student@diploma? i mean easy loan approval. i dont have salary slip and such that. i wanna loan 10k to buy used car because i have 15k in hand. i pretty sure can pay them monthly without any problem. so is there any bank that has easy approval? doesnt matter if the interest is high around 3-5k. i know this is such a stupid question, but i just wanna know. hehe have a nice day

3.8% is for government servant or GLC only, if im not mistaken.

Hye guys,

Need some advice regarding PL application and requirements..

Im working at a Legal Firm in KL and it is my first job since i graduated. Ive been confirmed as a permanent employee there just after 2months probation and have been working there for 5months. Meaning that I got latest 3months salary slip, Letter of Offer for Employment, Letter of Confirmation on Permanent Employment, statement of bank's account where i bank-in my salary and also EPF statement of account.

So, in my mind, i believed that i've all the documents and are in order for me to apply for PL and so I'd tried AmBank, Standard Chartered, UOB, RHB and HSBC. All rejected except for one, AmBank. They did called my office and talked to my boss for confirmation, but unfortunately after a week, my application also got rejected by them.

The rejection is because my name is not in the CCRIS since i have no loan (car, housing, PL etc) under my name. So then I applied for CC (Public Bank CC and Credit Limit is RM8000), which i received on May. .

So mid-June, I'd received the CC statement which states my usage is RM900+ and Ive made payment (RM500) which is more than the minimum limit (RM100), before the due date, 21st of June..

My question is, is it possible for me to apply for PL again even after just a month Ive used it AND even Ive not settled all RM900+??? or do i need to wait for another several more months? Im in kind of need the loan urgently and im going for the maximum loan amount that i can get.

Any suggestion which bank is suitable for me to apply with my current condition as stated above?. As long as the interest rate is 10% and below, Im ready to apply.
Thank you.

Last month was trying to get personal loan, so i tried at Ambank, Standard charted, Alliance, Hong Leong & AEON

- Ambank = Rejected (No reason)
- Standard Charted = Rejected (No reason)
- Alliance = Rejected (ccris below 1 year)
- Hong Leong = Rejected (No reason)

already give up after all rejected, than i was googling for personal loan, accidentally clicked Hong Leong Mach Personal loan Application, than after few days received call from Ms.Karen Personal loan dept, than i informed her that Hong Leong already rejected my PL so i dowan to waste my time again, she checked at system and inform me that previous application that i apply is not submitted by the Hong Leong PL officer (name classified), at 1st i didnt believe it, but she ask me give a try again, so i just send everything as listed to her but with new application called Mach application , within 5 days my application approved and 7th day i received my money. No signature at branch needed, no guarantee, no document submitted at hand or branch, no credit card, simply easy even loan amount small (10k), tout want to make a complaint on the Hong Leong PL officer (name classified) but its okay, maybe he valuate the chances of my loan to approve himself and sms me its rejected... lol ....all is well.....

Documents
- IC
- Pay Slips (3 months)
- EPF (complete set)
- Bank Statement (3 months)
- Utility Bill (water or electricity)

Application
- Make sure all information correct and get advise & Tips from PL officer before submit it.

hello guys, which bank offer the best personal loan and kinda easy to approve? currently I wanna make personal loan, but using my sis name since she worked already while I still study.
I wanna borrow 20K to buy second hand car. so my sis salary around 2.5K per month, not work from goverment, from software company.
so it is easy to approve? what kind of document she need to ready?

thanks and really appreciate

yeah I know that, but i heard car loan interest only can do below than 10 years? is it true?

Hi,

I would like to enquire a few things. I have a few credit cards with max limit already. Total credit limit is about 110k. So i had my credit card restructured into some sort of a EPP term loan so that my commitment and repayment wont be that high. The problem is I want to apply for a PL (50k) to knock off some debts and another PL that i have. When I try applying the PL from banks, every time sure will get rejected. So i asked the bank why and they say because i have previously apply for past few loan and the application got rejected so thats why they also reject.

Is there such thing?

Which bank they dun see one year ccriss for personal loan application ?

Just got the CCRIS report from Bank Negara

Just want to ask about my personal loan early settlement.
My loan amount was 13,000 @ 5 years/9% per year /315 per month
Plan to my full early settlement.

Date of application : 15/11/2010 till Dec 2015
Outstanding balance at CCRIS report : RM8009 , Date of balance updated 30/6/2013. July made another installment at 315

Early settlement inquiry at branch : RM 8046.04

Outstanding as at today : RM9084.97

So, the question is , how CCRIS report calculated the outstanding balance ? And why early settlement is higher than CCRIS report?

Thanks

Is it advisable to take out cash from CC to pay debts?

Sorry to ask but cash on call is like how? 

So any other alternative? Is that true that AEON didn't see your CCRIS report?

Dear all the sifu

I just got a housing loan for my new launched property which is expected to be finished at 2016. So means that starting from 2016 only I would start the commitment for the housing loan. While the mean time, i would like to take a personal loan and wish to clear this loan by 2016.

So would the installment amount of my housing loan consider as part of my commitment during my personal loan processing from now to 2016?

Bank Islam package personal loan, 3.25%

Something wrong as it is far below market interest rate?

i tried easy rhb pl but no success... so sad..

which bank can consider to approve pl if have ccris outstanding 2-3 months..
i have only car loan 

is it hard to apply aeon credit?. My ccris is bad for month Jan-April. After that i have cleared my due. Currently everything on track already but i need to make loan(approx 30k) to improve my business to the next level.

but my motorcycle loan got approved by aeon credit ...so curious how come they still approve my appication.. 

let say.. I was declined for a personal loan from 1 bank,  How long should I wait to re-apply again or can i try other bank?

wah wait for 3 month...  cannot straight apply other bank??

Hi,

I'm thinking of borrowing RM30k to invest in my sister's new boutique. Should I take a personal loan or is there another type of loan (business loan?) that I can easily apply for.

My CCRIS is perfect and I already have a home loan (2 yrs) and a car loan (3 yrs). My nett salary is 6.7K per month.

Please advise. Thanks.