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 Personal Loan, which banks offer the best deal?

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ibnjam
post Mar 1 2009, 05:21 PM

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QUOTE(azam_halim @ Feb 28 2009, 12:47 AM)
Al Rajhi Weekend Banking

apply for personal loan with minimum documentation. only need ic and a credit card for at least one year from any banks. approval in 3 hours. approval pending your credit history (prompt payment). max amount can apply = your credit card's credit limit. (credit limit 10k=max 10k can apply). they wont check your salary. i just call them yesterday. this weekend is the last weekend. 7.99%pa flat
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Went to Al Rajhi yesterday to apply for the loan. I wanted to use my Alrajhi Charge Card for the limit, but funny they don't accept it. Gave another banks credit card which had a lower credit limit. 3 hours gone and no reply from them. Only this morning got SMS from them saying application pending due to unmet requirements. hmmmm, so much for the 3 hour approval.
ibnjam
post Mar 1 2009, 09:23 PM

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QUOTE(Icehart @ Mar 1 2009, 07:56 PM)
Hmm, so how is the progress now?  blink.gif
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they say to contact the bank on Monday. Hmm now I'm not sure I want to take the loan or not anymore cos I wanted to use the money today sweat.gif

This post has been edited by ibnjam: Mar 1 2009, 09:25 PM
ibnjam
post Mar 2 2009, 12:17 PM

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QUOTE(Icehart @ Mar 2 2009, 10:05 AM)
rclxub.gif

So you applied for the maximum amount for your personal loan based on your credit card limit?
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Ya, applied for the maximum limit. They have RM250 delivery charge, RM10 stamp duty and also some amount for insurance depending on the loan amount.
ibnjam
post Mar 2 2009, 03:32 PM

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QUOTE(Icehart @ Mar 2 2009, 02:44 PM)
Approved?
Nice  biggrin.gif
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hahaha not yet sweat.gif tried a few times to call the bank but cannot get tru

they informed me on saturday of the processing cost incurred (RM250+RM10+insurance).
ibnjam
post Mar 5 2009, 04:25 PM

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QUOTE(Icehart @ Mar 2 2009, 03:45 PM)
so now how many hours already?  sweat.gif
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Today Al-rajhi called me up to inform my application is approved rclxm9.gif
However it was for 5 years, so I've told them I wanted to take the loan for 2 years only.
Another 2-3 working days for reprocessing.

This post has been edited by ibnjam: Mar 5 2009, 04:27 PM
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