Public Bank. 4.99% for 4 years +. 3.40% for 2 & 3 years. I just made mine. About a week to get approval and the money is in.

http://www.publicislamicbank.com.my/pibb/e..._pfinancing.pdf

i think above rates is for gomen or GLC only

I received call from HLB yesterday, they offer me cash advance from my credit card, surprisingly that the interest rate is cheapest than PL. Upon withdrawal charges 3%, service charges Rm25 (one time), 3.2% interest per year. Very cheap, right? But I told him I dun need cash, I have a lot of cash

weird. that would be killing off HLB's own PL 
but i think they only offer to customers with good payment records.

i heard one of my customer with citibank creditcard, he said citibank provided him cash advance at 4%+ as well. not bad oso.
i guess they dint mention, once you default or made any late payments, the interest rate goes back to 17.5% 

cash advance is dangerous!!! dont ever touch it. unless its really for emergency and you are sure you can repay it the next day.
most cash advance profit rate is calculated on daily rest

i saw one promotion HSBC Amanah, what is "Termasuk Sumbangan Takaful" and "Tanpa Sumbangan takaful"? i know one are cheaper repayment if compare both.

neveek1

only 1 out of 50 customers will get the rate of 5.5% flat.

Obviously, you're on a risk based pricing platform

There is NO WAY u will have 5.5% flat rate as a board rate.

Your Approval Rate should also be very bad, and income survivability for you will be volatile at best.  If u have problems and want other options in your career, you PM me. 

Anson Lee

I asked which COMMERCIAL bank offers a rate lower than 13.5% effective rate.  Please know the difference between a flat and effective rate first.  Secondly, Bank Rakyat is a COOPERATIVE Bank.  NOT a COMMERCIAL Bank.  There's a HUGE difference.  And I won't bother explaining more here.  thanks.

so whats the diff between flat rate & effective rate?

i saw one promotion HSBC Amanah, what is "Termasuk Sumbangan Takaful" and "Tanpa Sumbangan takaful"? i know one are cheaper repayment if compare both.

Hi, i'm adiLee from HSBC Amanah..If anybody would like to apply for personal financing or balance transfer, may contact me,my number is 012-7624526...Hope can provide u our services..

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Added on November 4, 2009, 2:03 am

Hi,i'm adiLee working with HSBC...the different is actually depends on the financing amount...for like financing amount bout 10k,the instalment different is bout RM4-6/month...of cos without takaful is bit cheaper,but having takaful,u may get 0.5% discount on the interest rate..

Guys, need help here.. I'm getting married this December.. I really need to make a personal loan as I want to help my parents in terms of financial. My salary is 2k per month after deduct EPF, Socso ~ 1.8k monthly. Im 27, work as a project engineer at a construction company doing oil n gas stuffs. I started working on June 1st and this is my 1st job after graduated early this year. I plan to make 5k personal loan for 2 years. Really appreciate for any advice and help from u guys. 

so far there was no success with HLB and Alrajhi.