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Benefits & Privileges

Digital Experience Flexible Amount Flexible Tenure Instant Disbursement Min Income
Digital Experience
Flexible Amount
Flexible Tenure
Instant Disbursement
Min Income

Eligibility

  • Individuals aged 21 to 63 years old
  • Malaysian citizen
  • Touch 'n Go eWallet user
  • Minimum monthly gross income of RM800 (including variables, e.g. overtime and allowances)
  • At least 3 (three) months of employment or business establishment

Income Document Requirement

  Income Documents
Employed & Self Employed

(a) Minimum latest 1 month payslip*; OR

 

(b) Latest 3 months payslip (to include variable income) ; OR

 

(c) Latest EPF statement with minimum 3 months’ contribution** ; OR

 

(d) Latest Form B/BE e-filing acknowledgement receipt (Summary Receipt Only)

Notes:

* Not applicable for full time commission earner and only recognize fixed income.

** Only recognize fixed income.

Interest Rates

Interest rate chargeable is on Risk Based Pricing. The Flat Interest Rate ranging from 8% to 36% per annum (equivalent to an Effective Interest Rate ranging from 8% to 60.99% per annum depending on loan tenure), varies for each customer. Various factors are taken into consideration to determine the final interest rate chargeable example: credit records, repayment behavior, loan tenure etc. 

 

Example 1: Customer with rich credit records, good repayment behavior may have lower interest rate chargeable.

Example 2 : Returning customers with good credit and repayment history will enjoy more competitive rates.

 

CIMB e-Zi Tunai distributed via GOpinjam, is a flexible product that allows customers to borrow based on a needs basis which includes small loan amounts and shorter loan tenures. This makes e-Zi Tunai more affordable in terms of total interest payable for a similar loan amount.

 

Below is an example of the interest rate chargeable for CIMB e-Zi Tunai in comparison to “A Credit” Personal Financing whereby a user decides to take a RM1,000 loan for 3 weeks at 36% will only be charged RM21 in interest compared to “A Credit” Personal Financing where there are no options for shorter tenure:

 

  CIMB e-Zi Tunai "A Credit" Personal Financing
Loan Amount RM1,000 RM1,000
Tenure

3 weeks

(borrow based on need basis)

6 months

(minimum tenure is 6 months)

Interest Rate (Flat)

36% per annum

(assume highest rate)

18% per annum

(assume highest rate)

Total Interest / Profit Charged RM21 RM90
Processing Fee No Fee RM20 (2%)
Stamp Duty Waive RM5 (0.5%)
You Paid Total Fees & Charges RM21 RM115

Note: The calculation is for simulation purpose only. Please refer to final approved loan details during loan acceptance stage.

 

The disclosure of interest rate and terms of the loan, is accessible by customer at any point of time and at all stages of application.

 

Applicant Stage Communication
Application

Customer reads CIMB e-Zi Tunai document terms in CIMB product page website, and assess personal suitability for the product:

(a) Product Disclosure Sheet (PDS)

(b) Product Terms and Conditions

Pre-acceptance

Upon approval of the loan, customer will need to expressly accept the terms of the loan before the loan is effective.

 

Prior to accepting the loan, customer reads the final approved CIMB e-Zi Tunai loan details. Customer has the option to cancel the loan if customer is not keen to proceed with the approved loan terms.

Post acceptance A copy of Product Disclosure Sheet (PDS) and Disbursement Notice, with full loan details, will be emailed to customer.
Loan Management

Customer may view loan interest rate via:

(a) TNG eWallet app in the loan details page

(b) CIMB CLICKS mobile app

(c) CIMB emailed Product Disclosure Sheet (PDS) and Disbursement Notice

 

Customers having difficulties in making repayments, should contact CIMB as early as possible to discuss repayment alternatives.

CIMB Bank Berhad – Customer Resolution Unit

Address: P.P Box 10338 GPO Kuala Lumpur 50710 Wilayah Persekutuan

Telephone: +603 6204 7788

E-mail: cru@cimb.com

 

Alternatively, customers may seek the services of Agensi Kaunseling dan Pengurusan Kredit (AKPK), an agency established by Bank Negara Malaysia to provide free services on money management, credit counselling,  financial education and debt restructuring for individuals. You can contact AKPK at:

Address: Level 5 & 6, Menara Bumiputra Commerce, 11 Jalan Raja Laut, 50350 Kuala Lumpur

General Line: 03 2616 7766

Fax Number: 03 2616 7601

Website: www.akpk.org.my

Note: The loan assessment and decision conform to the regulatory guidelines such as Responsible Financing Guideline and Guidelines on Product Transparency and Disclosure.