Flat rate from3.78% p.a.EIR 6.45%
Minimum incomeRM 1,500Other conditions still apply
A credit limit of up to RM150,000, not an amount you must borrow. A GXBank account is required. Your rate and limit depend on the bank’s assessment.
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Your monthly repayment
Illustrative estimateRM
%
Estimated monthly instalment
RM 208.33/month
Total interestRM 2,500.00
Total repaymentRM 12,500.00
Based on the rate you entered. This is not an offer or an approval decision.
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Advertised rate from4.38% p.a.EIR 8.08%–31.42%
Minimum incomeRM 2,000Other conditions still apply
The 4.38% rate is for CIMB Preferred customers only, subject to approval. Employment must exceed six consecutive months; self-employed businesses must be active for over 24 months.
Flat rate from6.88% p.a.EIR 6.88%–41.70%
Minimum incomeRM 1,400Other conditions still apply
TNG CashLoan is the channel; CIMB is the lender for this product. Terms range from one week to seven years; maximum amounts and terms apply to selected segments.
Sources checked: 5 November 2026. A selected list, not the whole market. Actual offers depend on provider assessment.
Different circumstances. Different conditions.
Minimum income is only the start. Employment history, documents and existing commitments also matter.
Explore options by conditionsHow rate comparisons are changing
Parts of BNM’s personal financing rules take effect on 1 January 2027. Understand flat rates, effective rates and the scope.
Understand the changesRead before you borrow
Practical answers for your next step.
No payslip?
Understand alternative income documents before applying for a personal loan.
Read guideCCRIS and CTOS
Understand credit record differences and how to check your information.
Read guidePersonal financing in 2027
The dates and scope of changes to flat rates, Rule of 78 and effective-rate disclosures.
Read guideIf your loan is declined
Review documents, product conditions and commitments before another application.
Read guideHow to calculate DSR for a personal loan
DSR formula, a RM3,000 net income example and the effect of a new instalment.
Read guideFlat rate vs effective rate for personal loans
Compare how interest is calculated and see a worked RM10,000 instalment example.
Read guideCommon questions
Does KiraPinjam provide loans?
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Why might my actual rate differ?
Advertised rates may apply only to selected segments. Providers assess income, documents, credit records and other conditions before making an offer.