I tried getting PL from RHB & CIMB, during conversation with the consultant, he, said my case is very hard since I'm going for 10K loan with only RM1.5K salary without CCRIS (also cannot do 10k since loan is 5x basic salary). This will be my 1st loan of any kind.

so he suggest me do ASB loan of RM30K minimum to establish good CCRIS, then try apply PL after few month, > 6 month if possible. he also said if within same bank, 2-3 month CCRIS can be considered already but no chance if different bank, need at least 6 month CCRIS.

does he speak truth? is there any other way? it's unlucky coz I never heard of CTOS, CCRIS and all these before. now that I need money urgently...so many obstacles.

If I know must have CCRIS, I would've done ASB loan last year

it's for personal use..there's no other way already. PL is the only way now...sigh

btw, where can I find the interest rate for BSN promo you post above?

Hi
Not sure if this is the correct thread to post this Q in but here goes..

can i take up personal loan to pay for my car downpayment..mebbe just need to top-up like RM 5000...

it seem you in good hand n kinda have valid reason for getting car.

have you consider motorcycle?

why dont u use ur saving?

if ur PL for 5K, how long you intend to pay the repayments?
sometimes it is good to let others know how much u earn so they could really grab ur situation.

hehe...i might consider motorbike but...

1) i'm a girl lah   
2) yeah yeah, girl can ride motorbike too BUT i don't even know how to ride a bicycle..

hhmmm..since most u guys say not worth to take PL, then i'll have to re-consider and find other options
time to makan rumput to save up for that car 

Hi All,

are there any small loans scheme around 5k? .... sometimes just want to borrow small amount and clear things rather than borrow money from friends n relatives (they give u sh!t and non-stop claimed u owed them favours for life)

guys, what do you think of AEON i-cash?

it is 0.84% p.m..means 10.08% p.a.

compared to CIMB:

AEON i-Cash, 0.84 p.m. @ 10.08% p.a.
CIMB Xpress Cash, 2% p.m. @ 24% p.a.
much cheaper than CIMB no?

both are cheap, but...their rules quite strict since need >2K monthly. those I post for >800 income peoples

I, myself, earn RM1.5K a month...so, bank islam n alliance is no no, unless they could lower down the requirement, then I'm all in. tbh, i've seen all kinds of repayment table from all bank and financing institution, do some calculations, only RHB & CIMB left as choice. AEON is because I ask certain agent to look for me, and he give me AEON i-Cash. I talk to him thru phone today afternoon, and ask him to send repayment table, forms, and rules

tbh, i despise personal loan, but this time is an exception since i really need money urgently before next year. the only loan i would do, ASB loan. maybe i would do PL in future if i could find a way to multiply the loaned $$ exceed that of PL made. or maybe an overlap. its all depends.

to get this PL i did so much research to the extend maybe if a bank need new hire, that would be me..that's just me, research to the max till i muntah & having PL monthers chasing me in my wet dream

anyone get call from OCBC call for cash facility>

i'd rather take AEON than CIMB. is AEON CC a must?

ya telemarketing but is quite a good deal for those who needs cash urgently

Is there any personal loan in kl that can use car as collateral. I'm a foreigner, and my car is the only thing that i can probably use for it.

yup, credit card. non-cc holder interest is 0.84 p.m....cc holder got 0.8 p.m...not much different tho

Hye..sy nk tanya sikit..saya ada buat personal loan b.rakyat rm35k..start bayar pd mac 2012..selama 8 tahun..sekarang,sy nk buat p.loan lagi sebanyak rm50k..sy ingat nk buat overlapp utk setelkn loan lama..soalannya,adakah sy kene bayar rm35k utk setelment atau kene bayar rm48k++(termasuk kadar faedah selama 8 tahun bayaran)?

have personal loan look like aeon i- cash
but no the bank ??

normally personal loan can loan for how long?

Hi All,

I'm Malaysian and I've been working in Singapore for the past 1 year or so.

Have a car loan, some credit cards and personal loan back home. My question is, am i still able to get personal loan even if i'm working in Singapore and has no EPF contribution for the past 1 year?

Am thinking Easy by RHB as it is the fastest. Other recommendations can consider too. Getting married soon so need more moooolah.

Thanks All!

Working in Gov, want to apply 10k.. which bank offer the lowest interest?

I came across this redicredit loan 0% interest for 6/12 mths, up front 3.5% interest charged. Borrowing 5k monthly 416. Is this good?

Hey, I'm still studying so I don't have any pay slip,
Is there a bank that lend a personal loan without pay slip?

hi all, currently i believe bsn is the best ...just 3.95% interest can up until 200k for 20 years tenure ... you may refer here http://www.mybsn.com.my/content.xhtml?contentId=364

Recently I have applied Maybank Credit Card.

Would like to ask which bank has better benefits compared to Maybank ?

Thanks

currently i working abroad and didn't pay EPF can i still apply personal loan??