Yup, I taken the Kuwait Finance, in my case I got 3.12 for 9 years. The process is pretty easy and straitghforward. It takes about 3 days for the bank to process. Then they will call you for a simple interview (just to make sure the info you give them is true). According to my perodua SA, Kuwait is now one of the popular choices since its rate is the lowest compare to other bank. But the problem is it doesn't have much branch in every state. So if you the type of guy who pay manually at atm its gonna be a bit problematic. I just use the online banking.