Looking for a reliable personal loan? AmBank Personal Financing-i offers fixed rates, high financing amounts and convenient salary deductions for eligible Malaysian government employees.
What you need to know about this loan
- Loan Amounts Offered: RM5,000 to RM200,000.
- Loan Terms (monthly): Monthly instalments through salary deduction via Biro Perkhidmatan ANGKASA (BPA).
- Payment methods: Automatic salary deduction through BPA.
- Interest rate: Fixed rates from 3.45% p.a. (promotional) to 4.25% p.a., with effective rates from 6.21% to 7.96% p.a.
Pros
- High financing amount: Borrow between RM5,000 and RM200,000 depending on eligibility.
- Competitive fixed rates: Promotional rates help reduce financing costs for qualified applicants.
- No guarantor or collateral: Eligible borrowers can apply without providing security.
- High payout: Receive up to 99.5% of the approved financing amount.
- Optional Takaful coverage: Add extra financial protection with optional Takaful benefits.
Cons
- Limited eligibility: Available only to eligible government employees and selected statutory bodies.
- Salary deduction required: Monthly repayments must be made through ANGKASA salary deductions.
Why Choose AmBank for your loan?
Compared with Maybank’s bank loan products, AmBank Personal Financing-i offers fixed promotional rates and convenient salary deductions for eligible public sector employees.
Unlike CIMB Bank, AmBank focuses this financing on government employees using ANGKASA deductions, making repayments simple and automatic.
Compared with Public Bank and its public bank personal loan options, AmBank offers financing up to RM200,000 with optional Takaful coverage.
RHB Bank offers several financing solutions, while AmBank Personal Financing-i stands out with no guarantor and no collateral requirements.
Compared with Hong Leong Bank and UOB Malaysia, AmBank provides a specialised financing solution designed specifically for eligible public sector employees.
How to apply for your AmBank Personal Financing-i
Discover how this loan application works, review the eligibility requirements and explore every feature before applying through AmBank.