if u're working with government, GLC or big corporate ... can go to bank islam.
otherwise can try al-rajhi

Which bank offer PL for 100k-200k at more than 15 years tenure? can someone help me please.

Edit : My salary around 2.5k, working with Government. Hope can get the longest tenure. Still dont have any loan and CC debt. So far the longest tenure I found only for 15 years..

i am looking for RM100k,10 years personal loan. strictly bank with low interest

currently working on GLC company
income 3k
no commitment at all.


i have ask;
bank islam - max 10 times salary only
agro bank - govt only



need recommendation.

try bank rakyat...

Your income is way tooooo low to qualify for 100k loan.

tht day, dun know how, the UOB bank officer or agent called n directly said she want to offer me Personal Loan.

If i don't have fix income, can i apply for personal loan?

My income is RM800 per month with no pay slips

telemarketing team...
u got uob acc.???
or u did drop ur nama card at uob bank...

ok...i changed my mind. how about 50k ?

definitely from telemarketing.. if they have database ( which can be bought from other company and check your risk is low, they will offer you, however, still subject to underwriter )

well, 3K.. max from bank islam is 10x.. you should consider.. other bank wont offer that much, most will only 5x..!

if you're in government sector - suggest u head over to Bank Rakyat, Alliance or CIMB, for cooperative loans.

If you're in the private sector - try CIMB Express or Alliance Rakan. They also focus lending towards the sub-prime segment.

This post has been edited by Phoeni_142: Jan 11 2009, 11:14 PM

I'm looking for 1k personal loan only... very urgent(preferably before CNY lor...)

Got anyone can give "personal" help? Of course, will never let you borrow me for free interest.

Please give me a PM

why dont you try out on AEON?

btw, how people can very sure that you going to pay back?

so, it is better you get the loan from your immediate family

Said jor urgent ma...
Well, I'm not really asking from someone who can't trust me to borrow also.

At least, some of the forummers here(including mod and staff) i know quite some time... and even living nearby..

Well if can help then help lor, if cannot nvm. I never paksa also..

Hi all, i need an advice. In July last year i've made a personal loan from CIMB Islamic Xpress Cash. RM4000 for 24 months. The interest is very high at 2% monthly, so it is 48% total interest.

I feel like i want to settel it with cash. I've heard this loan you can settle it and with no interest. Is it true?

Here's come the victim.
Attractive Loan, last time I tried to apply but lucky the CIMB staff(that I know for years) advise me to take CC instead of this loan.

And you're not using cash to make payment meh?
Or do you mean early settlement? Better check whether there is penalty and is it worth or not before do it.

Anyway, you loan, you pay with interest. This have been repeated non-stop - Bank are not doing charity business

I want to make early settlement

interest will stil be the same even u made early settlement...
this is islamic concept, no up no down juz like the agreement...

CIMB xpress cash is good for someone in need of a cash in short time, 24hour approval and within 2week money already bankin to acc...
for me this is the best coz many bank u need to have acc wit the bank first to take the loan...

This post has been edited by jeff_v2: Jan 14 2009, 09:04 PM

You sure about that? Because the agent said otherwise. But i'm not too sure you know. Becasue the agent looks unsure also..

the agreement u already sign stated that u had already agreed to pay a interest of 2%/month within the tenure u take the loan...
even if u wanted to made a full settelement as early as within the first month the amount will still be the same as what u need to pay for the nex 2years...
that why the bank use islamic concept...

me also already been warn by my friend not to take PL from cimb unless ur the staff or need money urgently...
u can refer to ur credit officer at cimb bank to clarify this issue...
hope the officer not misrepresent to u bout the info...