RHB Personal Financing

RHB Bank Berhad

Financing Amount: RM2000 – RM150000
Financing Tenure: 2 to 7 Years
Interest Rate : 8.18% p.a – 14.52% p.a
Loan Features: Conventional, Unsecured
Employment: GLC Employee, Government Employee, Pensioner, Private Sector Employee, Self Employed
Minimum Yearly Income: RM24000
Age Eligibility: 21 to 60 Years Old
Debt Consolidation: No
RHB Personal Financing

RHB Personal Financing is an unsecured conventional personal loan available for private and government sector employee, and self-employed individuals. This personal financing plan from RHB offers financing amount from RM2,000 up to RM150,000 with financing tenure from 1 year to 7 years. As with other conventional personal loans, RHB Personal Financing offers variable interest rate based on the loan amount.

RHB Personal Financing Features

Some of the attractive features of RHB Personal Financing by RHB Bank Berhad.

  • Flexible financing amount
    Financing amount starts from RM2,000 up to RM150,000.
  • Flexible financing tenure
    Financing tenure for RHB Personal Financing is 1 year to 7 years.
  • Variable profit rates
    RHB Personal Financing offers variable profit rate from 8.18% to 14.52% p.a.
  • 5 business days approval duration
    Approval duration can take up to 5 business days after submission.
  • No processing fee
    RHB Personal Financing does not have any processing fee. However, there is a 0.5% stamp duty fee deducted from the loan amount.
  • Early settlement charges
    There is RM100 or 1% of remaining amount for early termination fee.

Requirements & Eligibility

General requirements

  • Malaysian PR
  • Age between 21 and 60 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 government employee

  • Work status is permanent.

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.

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 RHB Personal Financing are offered to all – document varies according to employment.

Government Employee

  1. Original copy of NRIC.
  2. Latest 3 month’s salary slip.
  3. Latest 3 month’s salary crediting bank statement.

Private/GLC 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 RHB Personal Financing is standard as with other personal financings in Malaysia.

Repayment Schedule/Table

We are still updating the installment/repayment table for RHB Personal Financing. Sorry for the inconvenience.

Charges & Fees

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

The early termination fee is RM100 or 1% of the remaining loan amount. A late penalty fee for any amounts in arrears is 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 RHB Personal Financing by visiting any of RHB 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 RHB Personal Financing with RinggitPlus

Do you know you can apply RHB Personal Financing 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 RHB Personal Financing application, give RinggitPlus a try. Click APPLY NOW button and apply for RHB Personal Financing through RinggitPlus right now.

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

RHB Personal Financing Review

RHB Personal Financing from RHB Bank Berhad is one of the most popular conventional personal loan in Malaysia. There are some attractive features of this loan. The minimum salary requirement of only RM24,000 annually is a win in this case since most Malaysians average salary are lower than that amount. However, there are also some downside for RHB Personal Loan. For example, the early termination fee charges of RM100 or 1% of the remaining loan amount maybe a let down for some. Loan approval can take up to 5 business days when other banks are offering 24 to 48 hours loan approval.

RHB Personal Financing


  • Financing tenure up to 7 years.
  • No processing fees.
  • Low salary requirement.
  • Available to private and government employee, and self-employed individual.


  • Loan approval can take up to 5 business days.
  • Early termination fee.
  • Maximum amount is only RM150,000.

Our Rating


Out of 5

Frequently Ask Questions on RHB Personal Financing

Below are some of the frequently ask question regarding RHB Personal Financing

What is RHB Personal Financing?

RHB Personal Financing a Conventional Personal Financing plan from RHB Bank Berhad.

Who can apply for RHB Personal Financing?

RHB Personal Financing is offered to Malaysian Citizen aged between 21 and 60, working in the Public Sector, Private Sector, Self Employed, Pensioner 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 RHB Personal Financing?

You can borrow from RM2000 up to RM150000. However, final approval amount will depends on several factor such as your income, credit score, etc.

How long is the financing tenure?

RHB Personal Financing offer a financing tenure from 2 to 7 years. However, maximum financing tenure will depends on RHB Bank Berhad final decision.

How can I apply for RHB Personal Financing?

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

How long do I have to wait for result?

Usually you will get your RHB Personal Financing application’s result in 3 working days 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 RHB Personal Financing 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 RHB Personal Financing 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 RHB Personal Financing 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 RHB Personal Financing

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

Got Questions Regarding RHB Personal Financing?

Ask away in the comment section below. We will try to reply to them as soon as possible, we promise!