SEABorrow

Lender page

Alliance Bank · Personal Loan/Financing

A shareable lender landing page for Malaysia borrowers. Use it to inspect the published rate, fee notes, income bar and a representative repayment example before you open the lender site.

Open official source
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
Representative monthly paymentMYR 690.74MYR 30,000 over 48 months
Effective rateEIR from 9.14% p.a.From 4.99% p.a.
Upfront feesMYR 0.00No processing fee, no collateral, no guarantor; 0.5% stamp duty deducted from disbursement.
Income barMYR 3,000/moFlexible prepayment noted

What this page is good for

  • Sharing one lender result directly in WhatsApp, Reddit or social posts.
  • Showing a repayment example without making the borrower re-enter filters first.
  • Keeping the source URL and lender-specific caveats next to the numbers.

Published terms at a glance

Amount range
MYR 5,000 – MYR 200,000
Tenor
12–84 months
Funding
Check source
Badge
Low fee

Editorial note

Headline rate is the 1-year tenure; rate rises with longer tenure up to the published max.

Rates, fees and eligibility shown are taken from Alliance Bank Malaysia’s public product page. Personalised rate, fees and approval are determined by Alliance Bank — confirm before applying.

Read more about how SEABorrow classifies verified vs partial / indicative rows on the Methodology page.

Methodology page

SEABorrow is independent and not affiliated with any listed bank. Loan terms change frequently — confirm on the lender's official page before applying. Read our full Disclaimer.

Repayment example

Alliance Bank planner loaded below

The planner starts with Malaysia defaults and preselects this lender so the shared URL opens to the same offer.

Compare & filter

Find the right Southeast Asia loan shortlist

Start with one market, then adjust amount, tenure and income to surface the most realistic offers.

Popular amounts:
Market focusMalaysiaGood for salary-backed borrowing and renovation use cases; compare fees carefully.
Best headline rate4.38%CIMB · Cash Plus Personal Loan
Lowest monthly costMYR 682.48CIMB · Cash Plus Personal Loan
Fastest payout—Not published

Offer shortlist

3 matching bank loans

Verified offers were manually checked on the lender’s public product page; confirm current terms before applying.

Malaysia · Popular pick

CIMB

Cash Plus Personal Loan

Fit 99
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
No processing feeSalary-linkedFlexible payoff
Advertised rateFrom 4.38% p.a.
Effective rateEIR from 8.08% p.a.
MonthlyMYR 682.48
Total costMYR 32,759.28
Upfront fee
MYR 0.00
Funding
—
Max amount
MYR 100,000
Min income
MYR 2,000/mo
No processing fee; 0.5% stamp duty deducted from disbursement.
Lowest published rate is for CIMB Preferred customers; standard tiers run higher up to the published max.
Rates, fees and eligibility shown are taken from CIMB Malaysia’s public product page. Personalised rate, fees and approval are determined by CIMB — confirm before applying.
Open lender pageOpen lender site
Malaysia · Low fee

Alliance Bank

Personal Loan/Financing

Fit 96
✓ Verified on lender pageLast checked May 31, 2026Official bank page ↗
No processing feeLong tenure
Advertised rateFrom 4.99% p.a.
Effective rateEIR from 9.14% p.a.
MonthlyMYR 690.74
Total costMYR 33,155.66
Upfront fee
MYR 0.00
Funding
—
Max amount
MYR 200,000
Min income
MYR 3,000/mo
No processing fee, no collateral, no guarantor; 0.5% stamp duty deducted from disbursement.
Headline rate is the 1-year tenure; rate rises with longer tenure up to the published max.
Rates, fees and eligibility shown are taken from Alliance Bank Malaysia’s public product page. Personalised rate, fees and approval are determined by Alliance Bank — confirm before applying.
Open lender pageOpen lender site
Malaysia · Fast review

RHB

Personal Financing

Fit 86
IndicativeLast checked May 31, 2026Official bank page (partial) ↗
Broad accessQuick review
Advertised rateFrom 7.62% p.a.
Effective rateEIR from 14% p.a.
MonthlyMYR 727.05
Total costMYR 34,898.32
Upfront fee
MYR 0.00
Funding
—
Max amount
MYR 150,000
Min income
—
Processing fee and stamp duty are only published in RHB’s Product Disclosure Sheet (PDF); not captured here.
On-the-spot approval and disbursement; minimum income and full fee schedule are in RHB’s Product Disclosure Sheet.
Open lender pageOpen lender site

Repayment planner

Alliance Bank · Personal Loan/Financing

A single place to inspect monthly repayment, interest burden and fee impact before you build more landing pages around this market.

Estimated monthly paymentMYR 690.7448 monthly installments
Total repaymentMYR 33,155.66Principal + interest
Total interestMYR 3,155.66Cost of borrowing
Upfront feesMYR 0.00Processing + fixed charges
All-in cash costMYR 33,155.66Repayment plus fees
Income barMYR 3,000/moPrepayment flexibility supported

Amortization snapshot

Month-by-month repayment schedule

MonthPaymentPrincipalInterestBalance
1MYR 690.74MYR 565.99MYR 124.75MYR 29,434.01
2MYR 690.74MYR 568.35MYR 122.40MYR 28,865.66
3MYR 690.74MYR 570.71MYR 120.03MYR 28,294.95
4MYR 690.74MYR 573.08MYR 117.66MYR 27,721.87
5MYR 690.74MYR 575.47MYR 115.28MYR 27,146.40
6MYR 690.74MYR 577.86MYR 112.88MYR 26,568.54
7MYR 690.74MYR 580.26MYR 110.48MYR 25,988.28
8MYR 690.74MYR 582.67MYR 108.07MYR 25,405.61
9MYR 690.74MYR 585.10MYR 105.64MYR 24,820.51
10MYR 690.74MYR 587.53MYR 103.21MYR 24,232.98
11MYR 690.74MYR 589.97MYR 100.77MYR 23,643.00
12MYR 690.74MYR 592.43MYR 98.32MYR 23,050.57

Scenario lab

Run affordability, DSR and early-payoff checks without leaving the comparison flow

These tools stay tied to the selected lender and borrower inputs, so every output remains connected to the exact scenario on screen.

Affordability radar

How much monthly budget feels realistic?

Use simple income bands to see how aggressive this scenario is and what principal each band could support at the selected lender rate.

15% of incomeMYR 900.00/mo budget
MYR 39,088.35
20% of incomeMYR 1,200.00/mo budget
MYR 52,117.80
25% of incomeMYR 1,500.00/mo budget
MYR 65,147.25
30% of incomeMYR 1,800.00/mo budget
MYR 78,176.70

Payment pressure

Debt-service view for the selected offer

A quick screen for monthly pressure against the current income input and lender income bar.

Installment / income11.5%
Lender income barMYR 3,000.00/mo
Eligibility signalMeets lender floor

This scenario looks relatively light versus the current monthly-income assumption.

Tenure sandbox

Slide the term and watch cost rebalance

48 monthsMYR 30,000.00 principal
MonthlyMYR 690.74
Total interestMYR 3,155.66
All-in costMYR 33,155.66

This matches the currently selected term. Drag the slider to see how cash-flow and total cost rebalance.

Early-settlement preview

What if you clear the loan early?

Month 12
Remaining balanceMYR 23,050.57
Interest paid so farMYR 1,339.49
Interest avoidedMYR 1,816.17

This is a planning view of balance and interest saved before lender-specific settlement fees or lock-in penalties.

Why this experience is stronger

Designed as a borrower toolkit, not a thin rate table

  • Country-aware comparison, lender pages, shareable scenarios and repayment schedules in one product.
  • Affordability, DSR and early-payoff checks tied directly to the selected lender row.
  • Guides, methodology and policy pages embedded in the same information architecture.

Expansion path

High-related next tools for this vertical

  • Malaysia affordability calculator by salary band
  • Malaysia DSR / DTI checker with lender-income fit
  • Malaysia early-settlement and prepayment-fee explainer

All offers below are derived from publicly visible bank product pages (snapshot per row). Where a lender does not publish a figure, we show “Check source” rather than guess. Rates, fees and approval terms change frequently — confirm on the lender’s own site before applying.