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RHB vs CIMB: Choosing the Right Personal Loan for Fall 2026
Compare RHB's 7.62% APR with CIMB's 4.38% in Malaysia. Understand who benefits most from each loan.
Quick Picks
Best overall: CIMB Personal Loan.
Best for large amounts: RHB Personal Loan.
Best for quick approval: CIMB Personal Loan.
Top Rate Contenders
In the Malaysian personal loan market, CIMB and RHB stand out for different reasons. CIMB offers a notably low starting rate, ideal for borrowers with strong credit. Meanwhile, RHB provides higher loan amounts, catering to those needing more substantial financing.
CIMB Cash Plus Personal Loan
CIMB Personal Loan stands out with a starting rate of 4.38% p.a., the lowest in the market. The quick online approval process, taking just 10 minutes, makes it a prime choice for those needing funds fast. However, it caps the loan amount at RM100,000, which might not suffice for larger financial needs.
RHB Personal Loan
RHB Personal Loan offers a higher starting rate of 7.62% p.a., but compensates with a maximum loan amount of up to RM200,000. This makes it appealing for borrowers seeking significant capital over a 5-year tenure. The trade-off is a longer processing time of 1-3 business days.
HSBC Amanah Personal Financing-i
HSBC Amanah Personal Financing-i offers Shariah-compliant financing with competitive rates starting at 5.0% p.a. It's tailored for Muslim borrowers or those preferring Islamic banking standards. The higher minimum income requirement of RM3,000/month might limit accessibility for some.
For borrowers prioritizing quick access to funds, the next section highlights options designed to streamline approval processes.
Fast Approval Options
Speed is often a critical factor when choosing a personal loan. Here's a look at options that prioritize swift approval and disbursement.
Maybank Personal Loan
Maybank’s offering, with its tiered rates, provides an interesting alternative. While not the fastest, its 6-year tenure and the up to RM100,000 limit make it a strong contender for those seeking stability and longer repayment terms.
Hong Leong Bank Personal Loan
Hong Leong Bank’s 8.5% p.a. starting rate might not be the lowest, but its straightforward terms and RM2,000 minimum income requirement position it as an accessible option for many. The 1-3 business day processing time ensures funds are available promptly.
AEON Credit Personal Financing
AEON Credit’s 12.0% p.a. rate is on the higher side, yet it requires the lowest income threshold at RM1,500/month. This makes it a viable choice for lower-income earners needing quick, flexible financing with minimal barriers.
While speed can be a deciding factor, the following option focuses on offering substantial amounts with competitive terms.
High Loan Amount Solutions
For borrowers seeking higher loan amounts, these options provide the necessary capital with reasonable terms.
UOB Personal Loan
UOB Malaysia offers a competitive starting rate of 6.0% p.a. with loan amounts up to RM200,000. Its higher income requirement of RM3,000 positions it for mid-tier borrowers seeking larger sums.
Choosing the right personal loan involves balancing various factors like rate, speed, and loan size. For those prioritizing rate, CIMB stands out. Meanwhile, RHB caters to those needing larger amounts. Evaluate your needs and choose accordingly.
