Cash Plus Personal Loan

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CIMB CASH PLUS PERSONAL LOAN

12.12 is here! Get the loan you need for the things you want.

Apply now and turn your festive wish list into reality, from rates as low as 4.38% p.a.*

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

Apply Now

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.

Fees & Charges

CIMB Cash Plus Personal Loan

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

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

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.

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.

Terms and Conditions

CIMB Cash Plus Personal Loan Terms and Conditions

Product Disclosure Sheet

CIMB Cash Plus Personal Loan Product Disclosure Sheet

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CASH PLUS PERSONAL LOAN