Personal loans with rates starting at 4.99% per annum offer up to 30% cashback on interest—terms apply

SINGAPORE, 1 OCTOBER 2026 —

We are excited to launch a brand new Personal Loan page on 30 th December 2020!

Kami ingin mengumumkan pelancaran laman baru untuk Pinjaman Peribadi pada 30 Disember 2020! Nantikan pengalaman yang menarik bersama kami. Apply for Personal Financing with Alliance Bank now! Enjoy Personal Financing as low as 3.49%** After 30% cashback.

Fixed profit rate starting at 4.99% per annum (subject to bank's approving criteria) Get approved in just 48 hours with no processing fees, collateral, or guarantor needed - making the process hassle-free and efficient. Use our personal financing calculator to find the best personal financing based on your requirements and eligibility. Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.

Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application. Since 1958, Alliance Financial Group has been serving Malaysians with innovative and customer-focused financial solutions. Over the years, they've grown into a trusted partner offering a wide range of services — from everyday banking and investments to protection and wealth management.

With the establishment of Alliance Islamic Bank, we are proud to provide Shariah-compliant financing and banking solutions designed to help individuals, families, and businesses achieve their goals while staying true to their values. Alliance Islamic Bank CashVantage Personal Financing-i is a Shariah-compliant product offering flexible personal financing. It ensures transactions are interest-free and ethically sound.

The solution features competitive, fixed profit rates for predictable payments and high financing amounts for various needs like education or home renovations. CashVantage Personal Financing-i differs from traditional loans by adhering to Islamic finance principles, using Shariah-compliant methods like Tawarruq or Murabaha instead of interest. It emphasizes transparency with clear terms and no hidden fees, offering flexible payment plans while complying with Islamic laws.

This financing appeals to those interested in ethical banking solutions, focusing on fairness and accountability. Applying for Alliance Islamic Bank’s CashVantage Personal Financing-i is easy — just click the “Apply” button, fill in your details, and our team will guide you through eligibility checks, required documents, and next steps. Once submitted, your application will be reviewed, and if approved, you’ll receive an offer to consider.

You can also apply via the Alliance Bank website or by visiting your nearest branch. The Shariah contract applicable is Murabahah, also known as Commodity Murabahah. It refers to the sale and purchase of an asset where the acquisition cost and the markup are disclosed to the purchaser. Read more about the Shariah concept here. Income : Your minimum gross salary must be at least RM3,000 per month, or RM36,000 a year.

Gross salary means salary before monthly deductions such as income tax and Employees Provident Fund (EPF) contribution. Age : To qualify, you must be between the ages of 21 and 60. This means your age must not exceed 60 at the end of the financing tenure.

For example, if you are taking up the loan at age 55, the maximum financing tenure you can qualify for is only 5 years, instead of the maximum 7 years. Other qualifying criteria : You must be a Malaysian citizen or a permanent resident working and residing in Malaysia. Malaysian citizens working in Singapore but residing in Malaysia will also be considered. The minimum financing amount is RM5,000.

The maximum you can borrow is up to 4 times your fixed monthly gross salary or up to RM200,000. For example, if you are earning RM3,000 a month, you are eligible to borrow up to RM12,000.

The Alliance Islamic Bank CashVantage Personal Financing-i offers a low-interest personal Financing, which is based on a fixed interest rate (flat) ranging from 4.99% per annum (or per year) for 1 years tenure, 5.99% per annum for 2 years tenure, 8.7% per annum for 3 & 4 years tenure and 9.78% to 15.28% for longer tenure per annum, throughout the entire Financing tenure.

Fixed interest rate ranging from 9.7% and 15.28% per annum (Flat) throughout the entire Financing tenure The personal Financing interest rate is based on individual risk rating. Having a higher salary lowers your risk rating as it reflects that you are less likely to default in your financial obligations (or conditions) of a Financing. However, that’s just one factor the bank considers when they are approving your Financing.

Financing tenure means the period of your financing. The minimum tenure starts from 1 year, and the maximum financing tenure is 7 years. Why does this matter? The longer your financing tenure is, the lower your monthly repayment will be. But it also means higher profit charges. One-time set-up fee: A stamp duty fee of 0.5% on financing amount will be deducted upfront before your financing amount is given to you or disbursed to you.

Remember, when you are applying through iMoney, there will be no deposit or other upfront charges payable to iMoney. Late payment charges: 1% on the outstanding loan amount. Late payment charges will increase your total outstanding loan amount Other fees: Alliance Islamic Bank CashVantage Personal Financing-i does not charge a processing fee, or early settlement fee*. The Alliance Islamic Bank CashVantage Personal Financing-i loan calculator helps estimate monthly repayments and overall financing costs.

Tailored for the Shariah-compliant CashVantage product, it offers a flexible financial solution. Enter the desired financing amount, tenure, and monthly salary in the calculator at the top of the page to compute an estimated monthly payment and total payment. This tool aids in informed borrowing decisions without initial commitment, helping you plan and choose options aligned with your financial goals while ensuring compliance with Islamic banking principles.

To download the Alliance Islamic Bank CashVantage Personal Financing-i application form, visit their official website. Navigate to "Personal Banking," select "Financing," and find detailed CashVantage information. Look for a "Download Application Form" link to access a printable PDF.