If you are a Goverment servant, aside form bank loan, you can also apply personal loan through koperasi, which rates now are even lower compared to some bank loan.

If your are an employee of private sectors (including banks) and fall under certain criteria you may apply personal loan from Bank Rakyat as well. Both loan from koperasi and bank Rakyat are suited to those whose name already blacklisted in ctos.

For further info pls visit http://www.loan4ccrisctos.wordpress.com

I work in private sector.
Need a personal loan of RM100,00/-.
Which bank should I go to?
Thank you.

Quick Cash Edge Personal Loan
*Interest 7.5% Flat Rate p.a, 0.625% monthly
Cash from RM5,000 to RM150,000
Flexible Repayment Tenure from 12 - 60 months
Minimal Documents Required
No Collateral & Guarantor Required
No Processing Fee
No Early Settlement Fee
Free Insurance
(*subject to standing instruction)


For more information or any enquiries, please do not hesitate to contact me.

This post has been edited by muddie: Dec 10 2010, 02:15 PM

hi there,

which bank is offering this?

Hi Anne,

Standard Chartered. This special rate only can get through me from Employee Banking Solutions, cannot get the rate from branch or online.

ic, is this for a limited time only?

is EBS a stan chart agent?

Valid until expiry notice, EBS is a department directly under Standard Chartered. We are not outsourced like Price Solutions.

Can i have the repayment table for this scheme?

Can i have the repayment table for this scheme too ?

yeah.. i would like to review the repayment table too..

Hi, friend. Perhaps you can try this out.

- Financing rates : 5.5-12% per annum.
- Tenure year: 2-7 years.
- No hidden costs.
- No guarantor, collateral.
- FAST approval.
- REBATE if make early settlement.

dun hesitate to phone/email me for more info. cheers.

regards,
Zerro Yap
017-4515158
zerroyap@ocbc.com

May I know which bank?I need loan RM30k for house renovation.

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Added on December 10, 2010, 9:22 pmMay I know which bank?I need loan RM30k for house renovation.

This post has been edited by ysl78: Dec 10 2010, 09:25 PM

lolx......i always forgot to check hahahahaha.........no time lar bro,we always finish around 8pm....go home damn tired d

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Added on December 11, 2010, 3:45 amthat's from standard chartered bank but now the due to policies changes the lowest rate is no longer 0.625% monthly.
our lowest rate is 0.83%,doesn't require guarantor and no collateral needed with free processing fee.maximum approval is 150k with tenors from 1-5 years.
the main criteria to apply is simply where u only need to have a credit card used at least 1 year from any bank.

no restriction on how u gonna spend the loan amount of money.1st stage approval result in 4 hours upon submission and another 3 days for 2nd stage approval.which means 4-5 working days to get ur result.

can do partial payment like higher purchase loan.

lower interest rate than 8% P/A can be appealed upon loan approval when you make a call to our customer service for rate reduction(provided you have a good repayment history towards ur credit cards or loans towards other banks)

if interested please call Kevin Liew (Personal Unsecure Finance Exec,Price Solution Standard Chartered) at 012-5912993.we do take Credit Card application as well.

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Added on December 11, 2010, 3:58 amu might wanna try standard chartered.our bank is offering quick cash personal loan up to RM150K,without collateral,guarantor and processing fee.no early settlement penalty charge after 6 months.lowest interest rate at 0.83% per month (9.99% per annum[can be reduce to lower than 8% per annum if your repayment record is good]).FREE loan insurance provided throughout your tenor.

u still can consider whether to take up the loan after its approval(30 days to consider).tenure can be chosen from 12,24,36,48 or 60 months of repayment.easy application that our bank only need choose 1 type of your financial document (Credit Card, Insurance Policy, Mortgage Loan agreement or Salary slip/bank statement)

no restriction on how u gonna spend the loan amount of money.1st stage approval result in 4 hours upon submission and another 3 days for 2nd stage approval.which means 4-5 working days to get ur result.

you can do partial payment like car loan as well.

lower interest rate than 8% can be appealed upon loan approval when you make a call to our customer service for rate reduction(provided you have a good repayment history towards ur credit cards or loans towards other banks)

Main Criteria - possess a credit card from any bank for at least 1 year(to be entitle to make an application)

if interested please call Kevin Liew (Personal Unsecure Finance Exec) at 012-5912993.we do take Credit Card application as well.

This post has been edited by kev071985: Dec 11 2010, 03:58 AM

Just wanna ask, the interest of PL is calculated based on reducing balanced like mortgage loan or like hire purchase loan?

Dear Goldilock/Buckroger/Sawamura,

I don't have the repayment table in hand now. SMS me your loan amount desired, and repayment tenure and I will help you to calculate. Thanks.

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Added on December 11, 2010, 1:25 pmDear ysl86,

From Standard Chartered bank. RM30,000 for how many years repayment tenure?

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Added on December 11, 2010, 1:28 pmDear orchid2010,

You may consider through me. I'm offering 7.5% flat rate p.a. 0.625% monthly. Kindly sms me your number and we may discuss further. Thanks.

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Added on December 11, 2010, 1:30 pmDear All,

My offer for 7.5% flat rate p.a is still valid. As I mentioned before I am directly under Standard Chartered, not outsourced like Price Solutions. Thanks.



This post has been edited by muddie: Dec 11 2010, 01:30 PM

Anyone can help me regarding Personal Loan as I'm having difficulty to apply loan. Please do PM me.

PL for minimum wages rm1.3k...?????
clean..no hutang history..???

working with gov. or private sector?
do u have credit card?

Asking for a friend, she needs a personal loan of about 30k, probably 2-3 yrs repayment. Salary of 10k a month. Which is the lowest rate?

actually so many banks offering minimum interest, but how many ppl are getting the min interest ? tats just the marketing strategy, the interest rate will be either based on the loan amount, salary, risk level (depends on the particular bank) .