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CIMB CASH PLUS PERSONAL LOAN

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

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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 old*
  • 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

*Maximum 60 years old upon maturity of loan tenure.

Fees & Charges

CIMB Cash Plus Personal Loan

 

Please note that for home renovations or business purposes, you may consider alternative financing products such as renovation financing or micro-financing that are more suited for these purposes, as personal financing may incur higher borrowing costs.

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 Document**  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

**Business 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 Rate4

   Fixed Interest Rate  

Equivalent to Effective

Interest Rate4
 2 to 5 Years 4.38% p.a.² 8.08% p.a.² 12.88% p.a. 21.61% p.a.
5.88%p.a.3 10.65%p.a.3 14.88% p.a. 24.51% p.a.
7.88% p.a. 13.93% p.a. 19.88% p.a. 31.42% p.a.
Table Fixed Rate of 4.38% p.a. (Effective Interest Rate 8.08% p.a.)
Table Fixed Rate of 5.88% p.a. (Effective Interest Rate 10.65% p.a.)
Table Fixed Rate of 7.88% p.a. (Effective Interest Rate 13.93% p.a.)
Table Fixed Rate of 12.88% p.a. (Effective Interest Rate 21.61% p.a.)
Table Fixed Rate of 14.88% p.a. (Effective Interest Rate 24.51% p.a.)
Table Fixed Rate of 19.88% p.a. (Effective Interest Rate 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.

6 "Instant Disbursement/ Quick Funds" is only applicable for loan disbursement into active CIMB Current/Savings Account/-i. Subject to the Bank's final approval.

Terms and Conditions

CIMB Cash Plus Personal Loan Terms and Conditions

Product Disclosure Sheet

CIMB Cash Plus Personal Loan Product Disclosure Sheet