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Declaration:

Life is a journey to be experienced. The quicker you turn your dreams' into reality, the more meaningful life would be. Either by paying for your dream home, car, wedding, travel or luxury goods, Alliance CashFirst & Alliance CashVantage Personal Financing aims to bridge the gap between your dreams and reality.

Benefits

 

Alliance CashFirst Personal Loans fulfils your financial needs for personal or business use.

  • Low Interest Rate at 4.99%* p.a. (flat rate basis).
  • Consolidate Credit Cards' and/or Personal Loans' commitments into ONE single monthly repayment.
  • Low monthly instalments.

Eligibility

 
  • Malaysians and permanent residents working and residing in Malaysia only.
  • Malaysians working in Singapore, but residing in Malaysia will be considered.
  • Age requirement:
    • Aged between 21 to 60 years old (upon maturity of Facility).
  • Income requirement:
    • Minimum gross monthly income of RM3,000 or RM36,000 per annum.
REQUIRED DOCUMENTATION

A) Salaried Employee

Salaried Employee Documents Required for
MNC Non-MNC/PLC
1. Copy of NRIC (Front & Back)* AND Y  
2. Disbursement Account particulars* (refer below) AND ONE of the following documents below; Y  
3. Latest 1 month payslip (fixed)/3 months payslip (variable) Either ONE
(of item 3-6)		  
4. Latest EA Form  
5. Latest 6 months EPF statement  
6. Latest BE Form together with validated payment slip/receipt  
 
1. Copy of NRIC (Front & Back)* AND   Y
2. Disbursement Account particulars* (refer below) AND   Y
3. Latest 3 months payslip   Either ONE
(of item 3-5)
4. Latest 6 months EPF statement  
5. Latest BE Form together with validated payment slip/receipt to LHDN  

B) Self-Employed

Self-Employed Documents Required for Sole Proprietor/Partnership
1. Copy of NRIC (Front & Back)* AND Y
2. Disbursement Account particulars* (refer below) AND Y
3. Copy of current and valid Business Registration Card* (business MUST be at least 2 years) AND Y
4. Latest 6 months payslip Either ONE
(of item 4-7)
5. Latest 6 months company's principal bank statement reflecting business turnover
6. Latest 6 months EPF statement
7. Latest BE Form together with validated payment slip/receipt to LHDN

C) Commission Earner

Commission Earner Documents Required for Agent/Sales
1. Copy of NRIC (Front & Back)* AND Y
2. Disbursement Account particulars* (refer below) AND Y
3. Latest 6 months commission statement/payment voucher verified against bank statements Either ONE
(of item 3-5)
4. Latest EA Form
5. Latest BE Form together with validated payment slip/receipt to LHDN

 

Note:

Please provide copy of the Bank Statement/Passbook (first page) of Disbursement Account with Applicant's sole name.
* are mandatory documents required from the Bank.

Terms and Conditions

 
Click HERE to download the Terms and Conditions for CashFirst.
Click HERE to download the Terms and Conditions for CashVantage.

Product Disclosure Sheet

 
What do I get from this product?
  • Loan Amount: Minimum RM5,000, Maximum RM150,000.
  • Tenure: From 1 Year (12 months) to 7 Years (84 months).
  • Interest Rate: Approximately 8.38% per annum to 14.78% per annum (flat rate). (Effective Interest Rate: Approximately 14.73% per annum to 24.37% per annum based on 5 Years loan tenure). The interest rate quoted and/or prescribed by the Bank hereunder is subject to the Bank’s right to vary the same at any time and from time to time with prior notice to you.
  • Total Interest: Loan Amount (RM) x Interest Rate (%) x Tenure (Years).
  • Example: Loan Amount: RM20,000, Interest Rate: 10.68% p.a., Tenure: 5 Years. Therefore Total Interest = RM20,000 x 10.68% p.a. x 5 Years = RM10,680.
What other charges do I have to pay?
  • Stamp duty (0.5%) on total approved loan amount, to be deducted from loan amount.
  • Unless otherwise specified herein, our charges exclude any current taxes and 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.
Click HERE to download the full Product Disclosure Sheet for CashFirst.
Click HERE to download the full Product Disclosure Sheet for CashVantage.
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