RHB - Personal Financing

Life is good when we can provide financial comfort for those we value the most.

With RHB Personal Financing-i, you will be able to ease your financial commitments through our variable rates from as low as 5.00% p.a. (equivalent to flat rate as low as 2.63% p.a.). In time to come, you will enjoy a lower profit rate with a principal reduction.

Consolidate your debt into
one single payment and enjoy
financing up to RM300,000¹.

Lower profit rate via reducing balance method.

Financing tenure
up to 10 years

Online exclusive offer* for Private Sector! Apply and stand to win RM1,000 cashback.
Campaign Period: 1 August 2026 - 31 October 2026

How to participate
Apply for a minimum financing amount of RM30,000 and above.
Application must be done via the RHB online application form with full document submission.
Receive 1 entry for every RM5,000 of eligible financing disbursed.
Pay your first monthly instalment on or before the due date.

Pick your category and get more personalised benefits

through each specially curated Personal Financing-i

PF-i for Private Sector¹

Enjoy up to
RM150,000¹ financing

Flexible financial management with variable profit rate

Equivalent flat rate as low 7.62% p.a.

Click for more info

Campaign Period: 1 January 2026 - 31 December 2026

PF-i for Civil Sector¹

Enjoy up to
RM300,000¹ financing

High payout ratio of up to 98%

Flexible financial management with variable profit rate

Equivalent flat rate as low as 2.63% p.a.

Click for more info

Campaign Period: 1 July 2026 - 31 December 2026

PF-i for Pensioners¹

Enjoy up to
RM150,000¹ financing

Flexible financial management with variable profit rate

No guarantor required

Equivalent flat rate as low as 3.80% p.a.

Click for more info

Campaign Period: 1 January 2026 - 31 December 2026

Eligibility

Federal Government Employees

State Government Employees

Selected GLCs Employees

Minimum age of 18 to maximum 58 years old at the end of financing tenure

Minimum income RM2,000

Monthly Payment Method

Salary deduction

Monthly Payment Table

Monthly Payment table for Civil Servant

Profit Rate

Variable Rate p.a. Monthly Payment Method

Variable rates from as low as 5.00% p.a. (Equivalent to flat rate as low as 2.63% p.a.) Salary Deduction

Eligibility

Government Pensioners

Army Pensioners

Minimum 40 years old

Profit Rate

Variable rate as low as 7.15% p.a.
(Equivalent to flat rate as low as 3.80%p.a.)

Monthly Payment Method

Auto debit instructions

Monthly Payment Table

Monthly Payment Table for Pensioners

Eligibility

Private Sector Employees

Minimum age of 21 and above

Minimum income of RM3,000

Monthly Payment Method

Salary transfer & auto debit instructions

Monthly Payment Table

Monthly Payment Table for Private Sector

Profit Rate

Variable rate as low as 14.00% p.a.

Monthly Auto Debit Instructions

Financing Amount Effective
Profit Rate*

RM16,000 - RM50,000 20.00% p.a.

RM51,000 - RM99,000 17.00% p.a.

RM100,000 - RM150,000 14.00% p.a.

Personal Financing Terms and Conditions - Conventional

Personal Financing Terms and Conditions - Islamic

Product Disclosure Sheet (Civil Sector) - Islamic

Product Disclosure Sheet (Pensioner) - Islamic

Product Disclosure Sheet (Private Sector) - Islamic

Product Disclosure Sheet - Conventional

Personal Financing/-i Online Application Campaign Terms & Conditions

Get in touch with RHB today.

For more information,
call us at

For avoidance of doubt, RHB Islamic Bank only promotes and manages promotions in relation to RHB Islamic Bank products and its related proposition only.

*RHB Personal Financing/-i campaign is applicable for Private Sector only. Approved and disbursed financing amount must equal or more than RM 30,000.00. Cashback is limited to 10 winners per month. Campaign period until 31 October 2026.

¹Terms and conditions apply. Campaign period differs by product.

²Applicable for RHB Personal Financing/-i, until 31 December 2026. Only customers who sign up for Group Credit Family Takaful (GCFT)/ Personal Smart Shield (PSS) coverage will be eligible for 3% rebate from Effect Interest Rate/Profit Rate. Joy@Work customer will be eligible for additional 3% rebate from Effect Interest Rate/Profit Rate.

RHB Islamic Bank Berhad 200501003283 (680329V)