standard chartered bank personal loan is having the best offer now
0.71% per month, no guarantor, no collateral needed
furthermore they are doing offer now which is no processing fees + free insurance
i have a friend who is doing standchart personal loan
give him a call 0174802168 (Mr. Foo)

HSBC - 0.85%
HongLeong - 0.823%
Citibank - 0.9%
Alliance - 0.99%
OCBC - 1.2%

p/s : BLR have nothing to do with personal loan, unless the personal loan is not under SAADIQ (islamic loan) and the BLR now is 5.55%