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Seamless Digital Experience
Enjoy end-to-end digital experience from loan application until repayment via our digital channels and partners.
The current available digital channel to apply:
(1) Touch ‘n Go eWallet
Flexible Loan Amount
Enjoy installment amount as low as RM17.33 per installment.
Borrow as low as RM100 and up to RM10,000.
Flexible Tenure
Disbursement Via Various Methods
Enjoy disbursement options of your choice, into either CIMB Current Account or Savings Account, or Touch ‘n Go eWallet
Low minimum income
Minimum monthly gross income of RM800 (including variables, eg:. Overtime and allowances)
| 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) |
| 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 |
| 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 |