Personal Loan/Financing-i | 01 June 2024-30 June 2024
Make life happen with a Personal Loan/Financing-i. Whether it’s renovating your home, planning a dream wedding or funding your small business, get the funds you need to turn your dreams into reality.
Apply now to enjoy a flat financing rate from 3.99% p.a. with no collateral required.
![prizes](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/prizes1.png)
![prizes](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/prizes2.png)
![features and benefits](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/fb-1.png)
![features and benefits](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/fb-2.png)
![features and benefits](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/fb-3.png)
*Applicable for applicants with a verified monthly income of RM2,000 and above who submit their applications through HLB Connect Online with a minimum approved and disbursed financing amount of RM30,000.
Interest/Profit Rate for Bank’s Website/HLB Connect Online
Our rate is on a flat rate basis:
Platforms | Customer Segment | Customer’s Verified Monthly Income | Flat Interest/Profit Rate |
---|---|---|---|
Bank’s Website | Salaried | RM2,000 – RM7,999 | 7.50% p.a. |
RM8,000 and above | 5.50% p.a. | ||
Self-Employed | RM2,000 – RM7,999 | 7.50% p.a. | |
RM8,000 and above | 5.25% p.a. | ||
HLB Connect Online | Salaried | RM2,000 and above | 5.00% p.a. |
3.99% p.a.* |
*Applicable for applicants with a minimum approved and disbursed financing amount of RM30,000.
Note: The effective Flat Interest/Profit Rates vary as follows for the PF Facility Tenure from 2 to 5 years unless specified otherwise:
(a) Flat Interest/Profit Rate 3.99% p.a.: Effective Flat Interest/Profit Rate varies from 7.40% p.a. to 7.49% p.a.
(b) Flat Interest/Profit Rate 5.00% p.a.: Effective Flat Interest/Profit Rate varies from 9.15% p.a. to 9.32% p.a.
(c) Flat Interest/Profit Rate 5.25% p.a.: Effective Flat Interest/Profit Rate varies from 9.58% p.a. to 9.78% p.a.
(d) Flat Interest/Profit Rate 5.50% p.a.: Effective Flat Interest/Profit Rate varies from 10.01% p.a. to 10.23% p.a.
(e) Flat Interest/Profit Rate 7.50% p.a.: Effective Flat Interest/Profit Rate varies from 13.32% p.a. to 13.80% p.a.
Illustration of Instalments
For example, you are a salaried applicant with a verified monthly income of RM8,000 and above and you apply via Bank’s website. The applicable interest/profit rate is 5.50% p.a. and your total approved facility amount is RM45,000 for a financing tenure of 5 years. The above example is illustrated below:
![Illustration of Instalments](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/illustration1.png)
![Illustration of Instalments](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/illustration2.png)
![Illustration of Instalments](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/illustration3.png)
![Illustration of Instalments](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/illustration4.png)
*Monthly instalment amount will be rounded up to the nearest RM5.
** Rebate will be rounded down to the nearest Ringgit Malaysia One (RM1) and capped at a maximum amount of Ringgit Malaysia Two Hundred (RM200).
Any adjustment due to rounding will be reflected towards the end of the facility tenure.
- Open to selected customers who received an invitation via SMS or HLB Connect App notification from Hong Leong Bank or Hong Leong Islamic Bank
- Malaysian citizens aged between 21 to 60 years old
- Employed/self-employed with a minimum annual income of RM24,000
- Minimum loan/financing amount is RM5,000
- Maximum loan amount is RM250,000 for Personal Loan and maximum financing amount for Personal Financing-i is RM150,000
- Exclusively for applications via Bank’s Website & HLB Connect Online only
- Applicant must hold at least one (1) valid and active individual Hong Leong Bank Current/Savings Account or Hong Leong Islamic Bank Current/Savings Account-i (joint and corporate accounts are not eligible)
Click here to login and apply. Then, follow the steps below:
![How to apply](/content/dam/hlb/my/images/campaigns/2024/pl-apply-online-targeted-never-taker-campaign/how-to-apply-connect-online.png)
You will be prompted to upload the following documents for your online application. Prepare these documents before you start your online application.
Accepted formats: .jpeg, .jpg, .pdf or .png
Max file size: 5MB per document
For Salaried Applicants (Fixed or Variable Income)
- NRIC front
- NRIC back
- Latest EPF statement showing 12 months contribution OR latest 2 years Form BE with proof of tax receipt/latest 2 years LHDN summary sheet for E-Filling submission OR
- Latest 3 months’ salary slips OR 6 months’ commission slips with salary or commission crediting
- Optional documents (e.g., rental income, proof of bonuses paid, cash investments – FD or Mutual Funds, etc.)
For Malaysians working in Singapore (SG)
- Latest CPF statement (Malaysians working in SG) showing 12 months contribution OR latest 2 years NOA Form
- Proof of salary crediting for 3 months
- Copy of SG work permit/pass/PR
For Self-Employed Applicants
- NRIC front
- NRIC back
- Business Registration Document
- Latest 1 year Form B with tax receipt OR latest 6 months company bank statements OR latest 2 years EPF statement (Sdn Bhd only)
- 5Optional documents (e.g., latest 6 months’ salary slips/6 months’ commission slips with crediting proof, rental income, etc.)