Bank Rakyat Personal Loan Swasta



Personal Financing-i Swasta
Minimum income of RM 2,000
Loan amount from RM 2,000 to Maximum of Rm 150,000 up to 9 years of financing
18 years and above


Bank Rayat Personal Financing-i Swasta is the personal loan package that is catered for private sector professionals such as doctors, engineer, lawyer and many more . Financing-i Swasta is an unsecured loan where collateral and guarantor is not needed while it offers from RM 2,000 up to RM 200,000 of financing. Interest rates of this loan would vary depending on loan amount. At the moment of writing, the interest rates provided by this loan is quite competitive among other private loans in Malaysia.  You can also enjoy better rate if you pay via Bank Rakyat’s saving account and Takaful package.


This loan if available for Malaysian Citizens from 18 years and above. This loan has one of the youngest requirement for age. Typically a Malaysian personal loan would start from 20 years and above.  You will need to have a minimum monthly income of RM 2,000 to qualify for the loan.

Documents needed 

  • Photocopy IC on both sides
  • Latest 3 months payslip
  • Latest 6 months EPF statement
  • Confirmation employment letter
  • BE form


If you are keen, Financing-i Swasta repayment table without Takaful is available below