Personal Loan/Financing
For Life's Many Opportunities.
Personal loan/financing with interest/profit rates as low as 4.99%* per annum and receive 30% Cashback*** on interest/profit.
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Your hassle-free, instant disbursement Personal Loan/Financing in Malaysia.
Apply for Personal Loan/Financing online today and receive your funds within 24 hours* of approval. No processing fees, collateral or guarantor required.
Features
Personal Loan/Financing with Interest/Profit Rate As Low As 4.99% p.a.*
| Interest / Profit Rates | Tenure |
|---|---|
| 4.99% flat p.a. | 1 year |
| 5.99% flat p.a. | 2 years |
| 9.99% flat p.a. | 3–4 years |
| Board Rates 11.18% – 16.68% flat p.a. |
5–7 years |
Details
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From RM5,000 to RM200,000* in personal loans/financing
Disbursement takes place within 24 hours* once approved
Apply online wherever and whenever you want
No processing fees
No collateral required
No guarantor required
Up to 7-year tenure for personal loans/financing
* Subject to customer eligibility and bank approval.
How To Apply Online for Personal Loan/Financing
Eligibility
Quick Personal Loan/Financing Eligibility Check
- You are a Malaysian citizen with the latest MyKad (dual image).
- You are a Malaysian working and residing in Malaysia.
- Your age is between 21 to 60 years old (upon maturity of Facility).
- You have a minimum gross monthly income of RM3,000 or RM36,000 per year.
More Information
FAQs about Alliance Digital Personal Loan/Financing
Alliance Bank Malaysia’s Digital Personal Loan / Financing offers one of the most attractive low interest / profit rate packages in Malaysia, ideal for quick approvals, flexible tenures, and no-hassle applications.
Key features include:
- Interest/profit rate as low as 4.99% p.a.
- 30% cashback on interest/profit*
- Quick disbursement within 24 hours upon approval*
- Convenient online application available anytime, anywhere
- No processing fees
- No collateral or guarantor required
- Flexible loan/financing tenure of up to 7 years
When you apply for Alliance Bank Malaysia’s Digital Personal Loan/Financing, the following charges apply:
- Stamp Duty: 0.5 % of the total approved amount (deducted from disbursed personal loan/financing amount).
- Taxes: Unless otherwise specified, all rates exclude current and/or future taxes that may be imposed (including the Sales and Services Tax (“SST”), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, we will be entitled to recover such taxes from you.
Yes, you can! Click here to apply for one of the best-featured, low interest / profit rate personal loan/financing with Alliance Bank Malaysia’s Digital Personal Loan/Financing.
To apply for Alliance Bank Malaysia’s Digital Personal Loan/Financing, you must meet the following criteria:
- Minimum monthly gross income: RM3,000
- Age requirement: 21 to 60 years old
Once your Digital Personal Loan/Financing application is approved, the funds can be disbursed to you as quickly as within 24 hours.
*Terms and conditions apply.
To check your personal loan/financing application’s status, you may call our Customer Service at 03-5516 9988 (available daily, 8am to 10pm).
Be assured that we will be contacting you as soon as we obtain the status of your application for the personal loan/financing.
Alliance Bank Malaysia offers interest/profit rates starting from 4.99%* p.a. (flat rate) for our Digital Personal Loan/Financing. The rate varies depending on the loan/financing tenure, which can go up to 7 years.
| Rate Type | Range |
|---|---|
| Flat Rate (p.a.) | ~ 4.99 % – 16.68 % |
| Effective Rate (p.a.) | ~ 9.14 % – 27.05 % (based on 5-year tenure) |
Here’s an example of how the interest/profit rate and total interest/profit are calculated:
| Financing Amount (RM) | Interest/Profit Rate (% p.a.) |
Tenure (Years) | Total Interest/Profit (RM) |
|---|---|---|---|
| 100,000 | 12.68 % | 5 | RM100,000 × 12.68 % p.a. × 5 years = RM 63,400 |
*Rates are subject to change with prior notice.
Yes, you can have as many personal loans/financings as you want with Alliance Bank Malaysia/Alliance Islamic Bank as long as your credit record fulfills the bank’s credit requirement or criteria.
You can apply for up to RM 200,000 in a single application for Alliance Bank Malaysia’s Digital Personal Loan / Financing.
No, there is no processing fee for this product.
Below are the steps to check your eligibility for Alliance Bank Malaysia’s Digital Personal Loan/Financing:
- Click here to log on and apply online.
- We will assess your application.
- If you are qualified, we will recommend the best loan/financing amount and tenure (in years) that you are eligible for.
If you have enquiries, call our Customer Service at 03-5516 9988 (available daily, 8 a.m.–10 p.m.).
Yes, you may request early settlement for your personal loan/financing. Please call our customer service at 03-5516 9988 to assist.
No fees or charges for early settlement.
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