Personal Financing (Loan)

All Malaysian citizens between the ages of 18 years up to 60 years with a minimum gross income of RM1,000 are eligible to apply for a loan.

The minimum loan amount offered is RM1,000 while the maximum is based on eligibility.

The minimum loan tenure is one (1) year (12 months), and the maximum loan tenure is three (3) years (36 months).

The loan amount can only be determined after you have submitted your application with all the necessary documents. Personal Banc will proceed with verification and then determine the loan amount that can be offered to you.

Yes, can still apply for a loan with Personal Banc.

No. You must have been working for at least three (3) months with your current company or have the latest SSM certificate for more than six (6) months.

Yes, you can try an apply. We have internal guidelines for cases under AKPK.

If you are a salaried employee:

  • Original Identification Card (NRIC)
  • Latest three (3) months’ payslip
  • Latest three (3) months’ bank statements
  • Latest EPF or Tax Declaration Form (BE Form)

If you are self-employed:

  • Original Identification Card (NRIC)
  • SSM Search
  • Latest six (6) months’ bank statements
  • Latest six (6) months’ invoices/payment vouchers

The process takes between three (3) to five (5) working days*. This is provided that your application is supported by a complete set of documents. We will also need to call your employer or emergency contact for verification purposes.

* Processing time may be longer, depending on the verification process.

Whether your application is successful or unsuccessful, we will notify you via SMS and/or telephone call.

No, not at the moment. We are unable to change your payment due date.

You will receive the money within three (3) days from the signing of the loan agreement.

No, Personal Banc does not have any agents as it is prohibited by the Malaysian Moneylenders Act 1951.

Kindly inform us immediately and provide us with the details. Lodge a Police Report and stop providing any information to the scammer.

Currently, Personal Banc has three (3) payment methods; online auto debit, direct debit and cash deposit machines.

We will notify you via SMS.

Early Settlement can only be done after six (6) months from the date your loan was approved. You are required to fill up the Settlement Form which can be obtained at our office.

No. We only accept payments via online auto debit, direct debit and cash deposit machines.

You can make payment via cash deposit machines.

You can visit our website at https://www.personalbanc.com/ or like and follow our Facebook and Instagram pages for more information.