Cash Plus Personal Loan

Instant approval and disbursement, with rates from as low as 4.38%p.a.*. Unlock financial flexibility with CIMB Cash Plus Personal Loan. Bank personal loan with low interest rate for loan up to RM100,000. 5 years tenure, no collaterals and guarantors required.

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Unlock Financial Flexibility with Cash Plus Personal Loan

Enjoy

Low Rates

from 4.38% p.a.²

Get

Instant Approval and Disbursement

with zero fees and no documents required!^{5, 6}

Apply

For Up to RM100,000

in just 10 minutes via online, with payment period up to 5 years

Benefits & Privileges

Cash Plus Personal Loan Rate - as Low as 4.38% per annum²

Fixed interest rates from as low as 4.38%² to 19.88% fixed per annum which is equivalent to Effective Interest Rates of 8.08%² to 31.42% per annum.
Please refer to the Interest Rates table below for details.

More Information ²
No Additional Fees
- No processing fees
- No early settlement fees
- No lock-in period
- No stamp duty
Late Payment Penalty

1.0% per annum on the instalment amount in arrears from the overdue date.
Loan Tenure of Up to 5 Years

Flexible payment period from 2 years and up to 5 years.
Loan Amount Up to RM100,000

Loan amount offered from a minimum of RM2,000 to a maximum of RM100,000.
Facility Disbursement Options
- CIMB Current Account/-i or Savings Account/-i OR;
- Other Bank’s account in Malaysia via Interbank GIRO (IBG)⁶.
More Information ⁶

Eligibility & Requirements

Loan up to RM100,000 | 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.

Required Income Documents

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.

Terms & Conditions

CIMB Cash Plus Personal Loan Terms and Conditions

Product Disclosure Sheet

CIMB Cash Plus Personal Loan Product Disclosure Sheet

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.

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