I think they are not from bank as they are marketing company that help those Licensed Money Lender to get potential customer. Maybe you can get their actual company name (not LPS) that offering the service and then check from internet about their background.

I just asked around. Hong Leong loan package is not too bad. And my agent is quite helpful, service quite good.
I think min RM10k interest around 10-12% plus cashback not included. If you guys need, I can give you the contact.

Hl after cash back can get 9.6%.

Heard standarc chartered can offer 8.5%

CIMB also 8.8% only. check their ws

Citibank 8.56...

erm, citibank 8.56 ? that's quite low... but duno y got different rates

there's this citibank officer that calls me, saying the interest is 9.8% and can be approved within 3 days

fr citibank ws

Terms and conditions apply. Citibank reserves the right to request for additional documentation where deemed necessary. Loan approval is subject to credit review. For a limited time only. Calculation is based RM5,000 loan amount. Effective Interest Rate is 14.95%** p.a. (5-year tenure). **Flat interest rate is 8.52% p.a. Interest rate is subject to credit review.

citibank offer me 5.88% (3 years) max 14k.
more than that 9.8% also.

Dear Banker/Loan Agent,

I am looking best interest rate for RM150k personal loan, repayment 5 years.
Please offer and PM me for details.

I don't think there is personal loan of 150k for employee of private company. You may get up to 200k (high salary) if you are government servant.

This post has been edited by almeizer: Oct 4 2010, 12:18 AM

i also dont understand citibank

i ask them for the loan they say interest 14%

like granpa co ...diff ppl diff interest

no interest to deal with them anymore


i think hong leong is the better choice.....

personal loan is up to 5 time salary...
if ur salary is rm30k , then u get can it

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Added on October 6, 2010, 2:52 pmnice info
thanks for sharing


This post has been edited by Encik012: Oct 6 2010, 02:52 PM

which bank can approve personal loan the fastest and how fast can the loan be released?

darkmage,

usually it takes 2-3 days. For those loans @ quick cash is more like cash advance from your credit card which only takes 24 hrs or so.

I'm from Standard Chart, doing personal loan. If you're interested kindly PM me.

the bank determine the rate based on ur risk level.. eventho they advertise the min rate..

if anyone wants to apply personal loan with standard chartered do pm me

Max 150k
21 years above
Credit card min 1 year
no guarantor
tenure 3-5 years .
very fast approve, 2-3 days
within 4 hrs will get status of the application
free PA insurance
no processing fee

This post has been edited by benjamin_haykael: Oct 8 2010, 10:46 PM

wta about hl personal loan

the salesgal say will meet me up to sign the forms

why cannot just fax?

somemore she say will auto open savings account for me in hl

wont HL first give an offer letter and give us some time to accept or reject?


if i reject, then how the account open in hl?

Hi everyone..
Im looking for a runner to do personal loan about RM100k or maybe a person that can kaw team..i need it urgent..commission we can discuss..plz pm me..*~*

here is something about HL personal loan

http://smartconsumerbanking.com/2009/04/12...ue/#comment-420


now i feel, its better to just pay the 13.5% reducing balance rate compared to taking personal loan

hurm.. usually i just fax/email the form... only if the cust wants to meet, then i go out.

and in stand chart, we give 30 days after the loan approved, if u don want, u can decline the loan. if u accept, onli then they open an account.

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Added on October 8, 2010, 10:20 pmi guess tats the min la.. not exactly everyone goin to get the same exact interest ... they will check the risk based on ur credit record..like ur payment etc and once the loan approved only u will find out the actual interest..

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Added on October 8, 2010, 10:30 pmu didnt include the interest rate ... for the loans ~

for stand chart = Rm 10000 *2*8.5% = 1700

1700+10000 = 11700 / 24 = Rm 487.50 << around tis ..

the interest rate is based on ur credit record ... so ur calculation and my calculation might change based on the interest rate being offered.
anyway, u always have 30 days to consider after the bank approved ur loan. if u're not satisfied, u may cancel.

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Added on October 8, 2010, 10:36 pmby the way, for standard chartered personal loan, no necessarily u have to submit ur payslip, we can determine ur income thru ur credit card max limiit, ur housing loan, insurance payment. << more easier, and can apply more higher amount, like rm 75k - 100 k .... housing loan shuld be more than 100k ..more is better .. credit card limit Rm 30k > is better .

using tis, wat u need to submit = i/c photocopy and application form , very easy . within 4 hrs submission can get the status, by 2-3 working days can get money,,

This post has been edited by benjamin_haykael: Oct 8 2010, 10:36 PM

To apply personal loans,what documents we usually need ? Since I don't have credit card,would banks approved my loans ?

alrajhi give you flat 8% interest...

usually they ask for ur payslip la... min 21 yrs old
depends on the bank la.. like std chart, we see which one is higher, can use ur credit card highest limit also without having to submit payslip. i/c alone will do with application form

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Added on October 9, 2010, 8:35 pminterest p/mth from 0.67%
i wuld like to clarify something again and again bout tis interest, basically tats the lowest we r offering, but it depends on ur credit record . it could go higher a bit, all depends on credit report once the system generates based on ur other loans, eg : pmt behavior and etc

max loan rm150k
tenure 3-5 years
min age 21
credit card min 1 year with any bank
approval status within 4 hrs.
Free PA insurance
NO processing fees.

alternatively u may use ur highest credit limit from ur credit card, housing loan (min Rm 100k), or ur insurance pmt for income source ,
lets say u have housing loan rm 350k, u may apply Rm100k, u only need to submit photocopy i/c and the form, no need payslip

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Added on October 9, 2010, 8:38 pmsome ppl apply personal loan for biz , investment atleast can earn some money to pay the interest

sum ppl apply loan, for shopping and vacation ??..

This post has been edited by benjamin_haykael: Oct 9 2010, 08:38 PM