Cash Plus Personal Loan

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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

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

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

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:

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

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

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

⁴Please 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

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CASH PLUS PERSONAL LOAN

Need help with your application?

Benefits & Privileges

Benefits & Privileges

Eligibility

Fees & Charges

Income Document Requirement

Interest Rates

Terms and Conditions

Product Disclosure Sheet

CASH PLUS PERSONAL LOAN

Need help with your application?

Benefits & Privileges

Benefits & Privileges

Eligibility

Fees & Charges

Income Document Requirement

Interest Rates

Terms and Conditions

Product Disclosure Sheet

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