Interest Rates

How much the bank charges you based on your loan amount & loan period

You Borrow	Loan Period	Your Income	Interest Rate
RM5,000 – RM200,000	12 months	min RM36,000	4.99% flat p.a
RM5,000 – RM200,000	24 months	min RM36,000	5.99% flat p.a
RM5,000 – RM200,000	36-48 months	min RM36,000	9.99% flat p.a
RM5,000 – RM200,000	60-84 months	min RM36,000	Board Rates 11.18%-16.688% flat p.a

Fees and Charges

Interest Rate/APR	As low as 4.99% p.a., depending on loan amount and period
Processing Rate	None
Stamp Duty	0.5% of total loan amount
Early Termination Fee	None
Late Penalty Fee	1% on the outstanding amount

Requirements

Minimum Annual Income	RM36,000
Minimum Age	21 to 60 years old
Who can apply	Malaysians only

Frequently Asked Questions

What can I do with Alliance Bank CashFirst Personal Loan?

You can apply for CashFirst personal loan to fulfill your personal needs such as for home improvement, purchasing a new vehicle, getting married, or starting a new business – as long as it is reasonable enough for the bank to consider.

How much money can I borrow from this personal loan?

CashFirst Personal Loan offers a competitive flat interest rate and flexible repayment terms. The maximum borrowing amount and loan tenure may be subject to Alliance Bank’s due diligence and approval.

For example, if you are 58 years old at the time of CashFirst Personal Loan application, you can only borrow for a maximum of 2 years as your loan tenure will cease upon reaching the maximum age of 60 years old.

How fast can I get my money?

Alliance Bank takes between 2 to 3 working days to process your personal loan application, once you have submitted the completed documents to the branch.
Depending on which branches you have selected, you could potentially get your CashFirst Personal Loan application approved and disbursed on the same day, subject to Alliance Bank’s approving criteria.

Are there fees and charges I need to pay?

The advantage of CashFirst Personal Loan is that there is no processing fee and early exit fee. As for the latter, you only need to give the bank 3 months’ written notice or interest rates.

The only fees you are required to pay for is the Stamp Duty of 0.5%, which will be deducted from your total borrowed amount.

Am I qualified to apply for Alliance Bank personal loan if I’m blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collects credit information on borrowers, not blacklisting them).

Terms and Conditions

Please click here to view the Terms and Conditions for Personal Financing (Conventional)

Please click here to view the Terms and Conditions for Personal Financing (Islamic).

Please click here to view **Terms & Conditions for 30% Cashback on interest/profit rate.

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