e-Zi Tunai 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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Instant Disbursement with Flexible & Seamless Digital Cash Financing

Flexible Amount

From RM17.33 per Instalment

borrow as low as RM100 and up to RM100,000²

Flexible Tenure

From 1 week to 7 years³

Disbursement Method

Instant Disbursement⁴

get disbursement options: CIMB, TNG eWallet, or other Malaysian banks

²Please note the final approved amount is subject to the Bank's approving criteria. Only selected segment of customers are eligible up to RM100,000 loan amount.

³Please note the final approved tenure is subject to the Bank's approving criteria. Only selected segment of customers are eligible up to 7 years tenure.

⁴Instant disbursement only applicable for CIMB or TNG eWallet disbursement method.

Benefits & Privileges

Samsung X CIMB Bank e-Zi Tunai Personal Loan Device Financing Campaign

Upgrade Your Samsung Experience with CIMB Bank e-Zi Tunai Personal Loan – And Get Paid for It!

Purchase selected Samsung Galaxy devices or wearables, and enjoy cash rebate when you apply CIMB Bank’s e-zi Tunai.

Important Note

Campaign Period: 1 June 2025 and ends on 30 September 2025.

For more information on the campaign Terms & Condition, click HERE.
Instant Disbursement

Enjoy disbursement options of your choice, into either CIMB Current Account or Savings Account, Touch ‘n Go eWallet or other bank’s account in Malaysia via Interbank GIRO (IBG).
Low Minimum Income

Minimum monthly gross income of RM1,400 (including variables, e.g.: Overtime and allowances).
Flexible Amount

Borrow as low as RM100 and up to RM100,000².

More Information ²
Flexible Repayment Period

From 1 week to 7 years³.

More Information ³
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

Eligibility & Requirements

Individuals aged 21 to 60 years old¹

Malaysian citizen.
Touch 'n Go eWallet user.
Minimum monthly gross income of RM1,400 (including variables, e.g. overtime and allowances).
At least 3 (three) months of employment or business establishment.

¹Maximum 60 years old upon maturity of loan tenure.

Fees & Charges

For full list of Fees & Charges, click here.

Data Clause

CIMB e-Zi Tunai Personal Financing Data Clause

Declaration

CIMB e-Zi Tunai Personal Loan Declaration

Required Income Documents

	Income Documents
Employed	(a) Minimum latest 3 month payslip; AND* (b) Latest EPF statement with minimum 3 months’ contribution.
Self-employed	(a) Document evidencing business establishment; AND (b) Latest Form B e-filing acknowledgement receipt (Summary Receipt Only) and with tax payment receipt

Income Documents

Employed

(a) Minimum latest 3 month payslip*; AND

(b) Latest EPF statement with minimum 3 months’ contribution.

Self-employed

(a) Document evidencing business establishment; AND

(b) Latest Form B e-filing acknowledgement receipt (Summary Receipt Only) and with tax payment receipt

Notes:

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

Product Disclosure Sheet

CIMB e-Zi Tunai Personal Financing Product Disclosure Sheet

Terms & Conditions

CIMB e-Zi Tunai Personal Loan Terms and Conditions

Interest Rates

Interest rate chargeable is on Risk Based Pricing. The Flat Interest Rate ranging from 6.88% to 24% per annum (equivalent to an Effective Interest Rate ranging from 6.88% to 41.70% 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 CashLoan, 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 24% per annum will only be charged RM14 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)	24% per annum (assume highest rate)	18% per annum (assume highest rate)
Total Interest / Profit Charged	RM14	RM90
Processing Fee	No Fee	RM20 (2%)
Stamp Duty	Waive	RM5 (0.5%)
You Paid Total Fees & Charges	RM14	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 OCTO 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: contactus@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.

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