CIMB Cash Plus

CIMB Bank Berhad

Financing Amount: RM2000 – RM100000
Financing Tenure: 1 to 5 Years
Interest Rate : 8.20% p.a – 14.66% p.a
Loan Features: Conventional, Fast Approval, Unsecured
Employment: GLC Employee, Government Employee, Private Sector Employee, Self Employed
Minimum Yearly Income: RM24000
Age Eligibility: 21 to 60 Years Old
Debt Consolidation: No
CIMB Cash Plus

CIMB Cash Plus is a conventional unsecured personal financing plan offered by CIMB Bank Berhad. CIMB Cash Plus comes with several attracting features, such as 100% loan disbursement, low-interest rate, and flexible financing payment. CIMB Cash Plus personal loan in one of the personal loan in Malaysia that offer 24 hours loan approval. This makes CIMB Cash Plus an attractive personal financing scheme if you are looking for a quick cash. Read on to find out more about CIMB Cash Plus personal financing and how to apply.

CIMB Cash Plus Features

Some of the attractive features of CIMB Cash Plus personal loan by CIMB Bank Berhad.

  • Flexible financing amount
    Financing amount starts from RM2,000 to RM100,000.
  • Flexible financing tenure
    Financing tenure for CIMB Cash Plus personal loan 1 year up to 5 years.
  • Variable profit rates
    Unlike CIMB Xpress Cash which offer fixed profit rate, CIMB Cash Plus offers variable profit rate from 8.20% to 14.66% p.a.
  • Instant Approval
    One of the best features of CIMB Cash Plus is instant approval upon application.
  • 100% Disbursement
    Unlike other bank’s personal loan in Malaysia, CIMB does not charge any processing fee upon loan approval. However, there is a 0.5% stamp duty fee.
  • No early settlement charges
    There are no early settlement charges if you decide to pay the full amount earlier than the agreed tenure.
  • No job restriction
    Whether you work in the private sector or are self-employed, you are welcome to apply for CIMB Cash Plus personal loan.

Requirements & Eligibility

General requirements

  • Malaysian PR
  • Age between 21 and 58 years old.
  • Minimum monthly income is RM2,000, or minimum annual income is RM24,000.
  • Not blacklisted by AEON or any other banks in Malaysia.
  • Not under Special Attention Account (SAA) – Pemerhatian Khas.
  • Not under the Debt Management Programme by AKPK.

For private employee

  • Have been working for more than 6 months with the employee.
  • Able to provide 6 months or more EPF statement.

For self-employed

  • Registered business with Suruhanjaya Syarikat Malaysia (SSM) for more than 1 year.
  • Registered bank’s current account with monthly transaction more than RM5,000.

Not eligible to apply?

If you didn't meet the requirements to apply, you can use our "Check Eligibity Form" to find the best personal financing plan for you.

Documents Needed

Since CIMB Cash Plus personal loan is open to the private employee, and self-employed – document varies according to qualifications.

Salaried Employee

  1. Copy of NRIC (front and back).
  2. Latest 3 months salary slips.
  3. Latest 3 months bank account statement (salary credited).
  4. Latest 6 months EPF(KWSP) statement.


  1. Copy of NRIC (front and back).
  2. Business Registration Certificate.
  3. Latest 6 months current account statements
  4. Latest BE Form/BE e-Form with valid tax payment receipt.

Documents required to apply for CIMB Cash Plus personal loan is standard as with other personal financings in Malaysia.

Repayment Schedule/Table

We are still updating the installment/repayment table for CIMB Cash Plus. Sorry for the inconvenience.

Charges & Fees

As have been stated earlier, CIMB does not impose any processing fee for this CIMB Cash Plus Personal Loan. However, there will be a stamp duty fee of 0.5% upon loan disbursement.

There is also a late penalty fee for any amounts in arrears, 1% p.a.

How to Apply


Before applying, make sure you have read the Requirements & Eligibility section above. There's no point in applying if you are not eligible to apply for this loan.

You can apply for CIMB Cash Plus by visiting any of CIMB Bank Berhad branch.

You can also apply online from the comfort of your home or office using RinggitPlus service. It’s free and in some cases you will get quicker result with higher approval rate. Read more below.

Apply CIMB Cash Plus with RinggitPlus

Do you know you can apply CIMB Cash Plus through RinggitPlus? The process is 100% online without you having to leave your office or home.

Just submit your name, phone number and RinggitPlus will call you within 24 hours and guide you step by step through the application process. And their service are 100% Free of Charge.

If you would like a hassle-free CIMB Cash Plus application, give RinggitPlus a try. Click APPLY NOW button and apply for CIMB Cash Plus through RinggitPlus right now.

You will be redirected to RinggitPlus website. On the website, click Apply Now to proceed with your application.

CIMB Cash Plus Personal Loan Review

CIMB Cash Plus Personal Loan is a personal financing plan from CIMB Bank Berhad. As a conventional personal loan, the interest rate will vary. One of the attractive features of CIMB Cash Plus is instant approval or results within 24 hours upon application. This makes CIMB Cash Plus the one to consider when looking for quick cash. This personal financing from CIMB also required a minimum monthly income of only RM2,000 – making it accessible to many Malaysians.

CIMB Cash Plus


  • Fast results and approval.
  • Full disbursement/no processing fee.
  • Low-interest rate.


  • Financing tenure up to only 5 years.
  • Only for private employee and self-employed.

Our Rating


Out of 5

Frequently Ask Questions on CIMB Cash Plus

Below are some of the frequently ask question regarding CIMB Cash Plus

What is CIMB Cash Plus?

CIMB Cash Plus a Conventional Personal Financing plan from CIMB Bank Berhad.

Who can apply for CIMB Cash Plus?

CIMB Cash Plus is offered to Malaysian Citizen aged between 21 and 60, working in the Public Sector, Private Sector, Self Employed with a minimum annual income of RM24000. Please refer to the “Requirements and Eligibility section” for the complete requirements.

How much can I borrow from CIMB Cash Plus?

You can borrow from RM2000 up to RM100000. However, final approval amount will depends on several factor such as your income, credit score, etc.

How long is the financing tenure?

CIMB Cash Plus offer a financing tenure from 1 to 5 years. However, maximum financing tenure will depends on CIMB Bank Berhad final decision.

How can I apply for CIMB Cash Plus?

Please refer to the “How to Apply Section” above.

How long do I have to wait for result?

Usually you will get your CIMB Cash Plus application’s result in 24 hours after you have submitted the required documents.

How much do I have to pay every month?

Please refer to the “Loan Repayment Schedule” above.

Can I apply CIMB Cash Plus for Debt Consolidation?

No, this loan is not available for debt consolidation.

Can I apply if I am blacklisted in my CTOS report?

Sorry, you can’t apply for CIMB Cash Plus if you are blacklisted in your CTOS report. However, if you are blacklisted by non-financial institution such as telecommunication companies, easy payment scheme, etc, you are eligible to apply.

Can I apply if I have a bad credit score in my CCRIS report?

Sorry, you are not eligible to apply for CIMB Cash Plus if you have outstanding credit in your CCRIS report.

Can I apply if I’m under AKPK Debt Management Programme?

Unfortunately no. You cannot apply any bank loans if you are under the AKPK Debt Management Programme.

I have other questions regarding CIMB Cash Plus

Please leave your question in the comment section below. We will reply to them as soon as possible.

Got Questions Regarding CIMB Cash Plus?

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