If you are searching for a reliable bank loan, UOB Personal Loan combines competitive interest rates, flexible loan amounts, and a simple application process backed by one of Asia’s leading banking groups.
UOB Personal Loan: best loan for home renovation, education and personal expenses
Whether you are planning home improvements, funding your education, or covering important life expenses, UOB Personal Loan offers a practical personal loan with financing from RM5,000 up to RM150,000.
Another advantage is the attractive pricing. With low interest personal loans starting from 3.99% per annum, qualified borrowers can enjoy a cost-effective financing solution without paying processing fees or providing collateral or a guarantor.
Should I get a personal loan from UOB?
United Overseas Bank (Malaysia) Berhad is part of the UOB Group, one of the largest banking groups in Southeast Asia. Its long-standing reputation, comprehensive banking services, and commitment to customer experience make it a reliable choice for a personal loan bank.
UOB provides digital banking through the UOB TMRW app, allowing customers to conveniently manage their banking activities. If you meet the eligibility requirements, UOB Personal Loan can be an excellent loan Malaysia option for financing planned expenses with predictable repayments.
How to get a loan from UOB?
To get the UOB Personal Loan, you need to:
- Be a UOB Credit Cardmember for at least 12 months.
- Be a Malaysian citizen.
- Be between 21 and 55 years old.
- Earn a minimum annual income of RM36,000.
- Submit the required supporting documents.
Required documents
For salaried employees
- Photocopy of MyKad (both sides).
- Latest 3 months’ payslips.
- Latest Form B or BE with tax payment receipt.
OR
- Latest 3 months’ bank statements showing salary credit transactions.
OR
- Latest 12 months’ EPF statement.
For self-employed applicants
- Photocopy of MyKad (both sides).
- Latest Form B with tax payment receipt.
- Latest 6 months’ bank statements showing income credit transactions.
- Business Registration Certificate Form 9/24/49 showing at least two years in the same business.
Apply for loan
- Click the official Apply Now button on the UOB Personal Loan page.
- Complete the online enquiry form.
- Alternatively, send SMS UT2 to 66300.
- Wait for a UOB representative to contact you within three business days.
- Submit the required supporting documents.
- Wait for UOB to complete the assessment and approval process.
FAQ
Can I get a loan from UOB without a job?
UOB requires applicants to meet its income eligibility criteria. Salaried employees and self-employed individuals may apply if they satisfy the bank’s requirements and submit the necessary income documents.
How much will I get approved for UOB Personal Loan?
Eligible applicants may apply for financing from RM5,000 up to RM150,000. The approved amount depends on UOB’s assessment of your application.
How to pay off UOB Personal Loan?
Repayment is made according to the agreed loan tenure, which can be up to five years. UOB will provide the repayment schedule after your loan is approved.
How to cancel a loan application with UOB?
If you wish to cancel your application, contact UOB as soon as possible before the loan is disbursed. The bank will advise you on the applicable cancellation process based on your application status.