Just to share...
I know this month cimb & citibank are having very attractive personal loan packages, but the loan amount is taken off firectly from your credit card limit.
Their telemarketers called me up last week.

For citibank, it is 2.66% for 18-mth.
Say if the loan taken is rm10k, total interest is rm399 only.
So mthly pymt is rm578/mth for 18 mths.
Early settlement is 5% of the outstanding if not mistaken.

For cimb - it is 6.99%, 5.99% and 4.99% for 1-yr, 2-yr and 3-yr loan respectively.
And it can be settled earlier without any penalty.