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Instant approval with rates from as low as 4.38% p.a.*

*Only applicable to selected segments. Subject to the Bank's final approval

CIMB CASH PLUS PERSONAL LOAN

Benefits & Privileges

Low Rates
Low Rates
Zero Fees
Loan Tenure
Loan Amount
Facility Disbursement Options

Cash Plus Personal Loan Rate - As low as 4.38%* per annum

Fixed interest rates from as low as 4.38%* to 19.88% fixed per annum which is equivalent to Effective Interest Rates of 8.08%* to 31.42% per annum.

Please refer to the Interest Rates table below for details.

 

Note: *Rate is applicable to CIMB Preferred only and subject to bank’s final approval

Eligibility

  • Individuals aged 21 to 58 years old¹
  • Malaysian citizen
  • Minimum monthly gross income of RM2,000
  • In employment for more than 6 consecutive months
  • For self-employed, business to be active for more than 24 months

¹Maximum 60 years old upon maturity of loan tenure.

Income Document Requirement

Employer Fixed Income Earner (Basic only) Variable Income Earner (Basic + Allowances)

Multi National Company
 

Public Listed Company
 

Government Linked Company

Minimum latest 1 month payslip OR latest EPF statement with minimum 6 months contribution Minimum latest 3 months payslip OR latest EPF statement with minimum 6 months contribution
Others Minimum latest 3 months payslip AND latest 3 months salary crediting bank statement OR latest EPF statement with minimum 6 months contribution
Self Employed Income Documents

Sole Proprietor
 

Partnership
 

Private Listed Company (Sdn Bhd)

Business Registration Document²  AND

 

a) Minimum latest 6 months company bank statement OR

 

b) Latest  Form B/BE AND LHDN payment receipt OR

 

c) Latest e-Form B/BE AND latest e-filing acknowledgement receipt

²Business Registration Document refers to: Trading Licence/Company Search/Partnership Agreement/Professional Practicing Certificate

Interest Rates

  Lowest Pricing Highest Pricing
 Loan Tenure   Fixed Interest Rate  

Equivalent to Effective

Interest Rate****

  Fixed Interest Rate  

Equivalent to Effective

Interest Rate****

 2 to 5 Years 4.38% p.a.** 8.08% p.a.** 12.88% p.a. 21.61% p.a.
5.88% p.a.*** 10.65% p.a.*** 14.88% p.a. 24.51% p.a.
7.88% p.a. 13.93% p.a. 19.88% p.a. 31.42% p.a.

Note:

1) ****Effective Interest Rate = Fixed interest rate based on daily resting reducing balance. Subject to customer remaining until end of tenure.

2) **Rate is applicable to CIMB Preferred only and subject to bank’s final approval.

3) ***Rate is applicable to selected CIMB@Work  customers only and subject to bank’s final approval.

4) Please note the final approved Fixed Interest Rate and Effective Interest Rate are subject to the Bank’s approving criteria.

5) *“Instant Approval and no documents required” is only applicable to selected segments of CIMB@Work Customers who have more than three (3) months of consistent payroll crediting to their CIMB account. Subject to the Bank’s final approval and decision.