Hello,

I want to make a personal loan.
but i dont have any commitment yet.

i tried few bank but they rejected me coz of i dont have commitment.
my salary is 2.5k as a contract stuff in 1 IT company.
anyone can suggest me which bank should i apply?

i tried

Al-Rajhi - reject
rhb - reject
maybank - reject

and currently waiting answer from CIMB.

im planning to make a loan around 5k and 24 months installment

5k is too small of loan they wont even bothered to entertain you.
some more you dont have repayment history its hard for them to know whether you are a good loan payer or not. its the same for me. as I never apply loan and dont have credit card.

try to apply credit card first.

but i need a cash urgent. is there any solution about this?
or shoud i apply a cradit card and withdraw instant cash from cradit card?

i have found a solution to my problem...i dont have any cc.....so Maybank offered my cc as i have home loan from MBB.......i will swipe the cc at my fren shop.......he will give me cash..................problem solved

that might be good idea

any idea which cc will solve my situation?

whats d latest rate for Bank Rakyat?

where to get no hassle,less docs..for personal loan less than rm5k?

which bank offer lowest rate? looking for one

I suggest applying for a credit card then converting it to cheque-on-call. If you withdraw cash from the card the interest is very high, cheque on call is when they convert your credit card limit into cash direct to your account - interest is much lower for this.

I am offering 3 years annual fee waiver, and lower income requirement for higher card status:

Gold card: RM18,000 p.a.,
Platinum card: RM60,000 p.a.
Visa Infinite card : RM150,000 p.a.

Cash Back (*valid till end of March)

RM88 - Gold Card
RM188 - Platinum Card

If you have an existing credit card we can upgrade your card or give higher credit limit. If you are interested in Standard Chartered's Credit Card do not hesitate to contact me. Thanks.

muddie - i have yet to get your reply for the black and white to state the 7.5% with T&C.

anyone successfully applied PL through muddie can confirm the 7.5% p.a for PL?

Kindly provide your email and I shall send you the LO (black and white) stating the 7.5% fixed rate p.a.

All my customers that their personal loan is approved get 7.5% fixed rate p.a. Yes, if there is anyone of my customers here please confirm this. Thanks.

This post has been edited by muddie: Mar 17 2011, 01:47 PM

hello there. i'm looking for personal loan. i had juz working for about 3 months now in the gov sector. i want to loan about 50k. can anyone here offer their best offer?

This post has been edited by joe_jelangkung: Mar 18 2011, 02:24 AM

i prefer CIMB or Maybank loh as they are lots of channel of repayment

Hi,

Do you interested with the offer below?
Financing Rate: 6.5%-12%
Financing Amount: 6k-150k
Financing Tenure: 2-7years
No Collateral.
No Guarantor.
No Processing Fee.
Perhaps you can drop me a sms so that i can phone you and explain further to you. thanks.

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

bank rakyat = 3.3% up to 3 yrs
bimb = 3.25% up to 3 yrs
BSN = 3.15 up to 2yrs

this for gov staf & selected multinational company. if not mistaken.

got your email. thx

apply citibank cc, then apply dial for cash

For Standard Chartered, it took ages to get approved. 3 months down the road they are still calling me to do background check.. 3 months!

waiting result from citibank coz i applied last week on friday