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TSCrazy07
post Nov 19 2025, 09:38 AM, updated 6d ago

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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?
TSCrazy07
post Nov 19 2025, 09:44 AM

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QUOTE(Porkycorgi5588 @ Nov 19 2025, 09:39 AM)
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
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i guess this one can only borrow based on our credit card limit Correct me if wrong
TSCrazy07
post Nov 19 2025, 09:59 AM

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QUOTE(NinG @ Nov 19 2025, 09:54 AM)
HLB 2.78% only

Can go bank find out more. Getting PL is nothing.
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Many have suggested HLB.. will check it this Friday
TSCrazy07
post Nov 19 2025, 10:00 AM

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QUOTE(pisces88 @ Nov 19 2025, 09:54 AM)
U have any credit cards? Best is by using card cash out
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I have 2 credit card. Both 50% credit limit used. Want to settle those as well
TSCrazy07
post Nov 19 2025, 10:13 AM

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QUOTE(pisces88 @ Nov 19 2025, 10:03 AM)
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
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Sure will consider this as well. Thank you
TSCrazy07
post Nov 19 2025, 01:25 PM

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From: Kuala lumpur
QUOTE(netflix2019 @ Nov 19 2025, 10:13 AM)
TS can share story how u end up needing 20k personal loan?

I curious wanna know so can prepare myself
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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
TSCrazy07
post Nov 20 2025, 12:08 PM

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From: Kuala lumpur
QUOTE(jojolicia @ Nov 19 2025, 02:59 PM)
https://www.hlb.com.my/en/personal-banking/...ecial-2025.html

This came in my hlb app newsfeed
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"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..
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