Guys, due to some personal reasons, I need about 20k.
May I know which bank offers a better rate?

I checked the RinggitPlus website and found that online banks such as AEON and GX offer interest rates below 5% (if I’m not mistaken).
Other than that, Hong Leong Bank and CIMB also seem to have competitive rates.

Does anyone have experience with these online banks?
Also, could you recommend which bank offers the best or lowest interest rate?

https://www.maybank2u.com.my/maybank2u/mala...es/ezycash.page

if u MBB CC user, can use this.
0% fees for 6 month
promotion until December 2025

if you are hong leong user.., u can try hong leong cos they got offer for this year end.



or else u can try alliance as they offering cash rebate program. it means the rates are much lower.

all also depends your years of repayment.

This post has been edited by Calvin_PB: Nov 19 2025, 09:41 AM

i guess this one can only borrow based on our credit card limit Correct me if wrong

correct.
at least you get half of your cash required without interest rather than full amount with interest.

other options include HLB, UOB.
They got offers around 6% PA effective IIRC

recently called by UOB 2.88% pa, u can check with them

HLB 2.78% only

Can go bank find out more. Getting PL is nothing.

U have any credit cards? Best is by using card cash out

Many have suggested HLB.. will check it this Friday

I have 2 credit card. Both 50% credit limit used. Want to settle those as well

Convert the outstanding to installment first. Save the interest. Then cash out whatever amount u can , will be cheaper than personal loan. I think stil can cash out with 50% credit. Call their customer service for promo rates

try imoney... just submit application online...

TS can share story how u end up needing 20k personal loan?

I curious wanna know so can prepare myself

Sure will consider this as well. Thank you

You can also compare the interests and tenure for converting to installment directly from the same bank, or using bank balance transfers. I remember HL or MB got 12 months 0% bank balance transfers offer

dont get married and have kids
Don't trust your spouse/anyone will help you financially
Make sure don't move house regularly
lots of other domestic issues

Top up from previous loan. Lagi low.

Janji salary >8k or 10k I forgot.

https://www.hlb.com.my/en/personal-banking/...ecial-2025.html

This came in my hlb app newsfeed

This post has been edited by jojolicia: Nov 19 2025, 03:00 PM

"Applicant must hold at least one (1) valid and active individual Hong Leong Bank Current/Savings Account or Hong Leong Islamic Bank Current/Savings Account (joint and corporate accounts are not eligible)"

Alamak i dont have HLB account..

all the best for you bro.

you're a responsible chap .

If the PL % is favourable to you, just open the basic saving account with them.

I think for your 2 CC, do BT 0 interest, only cash you need do PL. You can save on finance cost

This post has been edited by jojolicia: Nov 20 2025, 02:00 PM