UOB Personal Loan

United Overseas Bank Berhad (UOB) gives focus on Investment Banking, and Financial Service either for an investment of a new home, pursuing studies and home renovation. The personal loan from UOB is a great unsecured loan that caters for the needs of employee working for the Government, private sector organizations or self-employed workers.


UOB Personal Financing
Interest as low as 9.99% p.a to 11.99% p.a
Minimum income of RM 2,000
Maximum RM 100,000 or RM 50,000 financing available , other choices are also available
1 to 5 years repayment
21 to 55 years old at the end of loan tenure


The maximum tenure for the loan is up to 5 years and it is ready to finance anyone with a loan amount of RM5,000 to RM100,000. In addition, the loan does not  needs any guarantor and collateral while at the same time it provides a fixed interest rate from 9.99% up to 12% per annum (depending on the loan amount and your credit score).

Interest Rates

The interest rates that one can enjoy would depends on the income of the applicants. As a rule of thumb, higher income applicants can enjoy better rates.


RM 2,000 to RM 4,000: 11.99% p.a.

RM 4,000 to RM 7,000: 10.99%p.a

RM 7,000 and higher  : 9.99% p.a


Self Employed

RM 3,000 to RM 6,000: 11.99% p.a.

RM 6,000 to RM 8,000: 10.99%p.a

RM 8,000 and higher  : 9.99% p.a



Applicants must be a Malaysian citizen or Permanent resident, aged between 21 to 55 years old and have a minimum income of RM2,000 per month for salaried workers or RM3,000 per month for self-employed.

Charges and Fees

However, applicants must also pay a one times set-up fee as usual including a stamp duty of 0.5% on the loan amount that needed to be paid before the loan is given to the applicants. Luckily for the applicants, there are no others charges or fees needed to be paid by them.

Repayment of the loan that comprises the interest and principal amount has to be paid monthly via monthly salary deduction. Last but not least, the loan also included penalties to the applicants in the event of late payment, where they will be charges with at least RM10 per day or 1% on outstanding loan amount, whichever is higher (note: this will increase the total outstanding loan amount of applicants), as well as an early settlement penalty of RM300 or 3% of outstanding loan amount, whichever is higher



The loan requires salaried employee to provides documents such as a copy of MyKad (front and back), a copy of latest 1 month (or 3 months) salary slip, a copy of latest bank statement, a copy of latest EPF statement, and a copy of latest EA or BE form with confirmation payment receipt or slip.

Self Employed

On the other side, self-employed workers that applying for the loan needs to provides a copy of their MyKad (front and back), a copy of latest 3 months bank statements that shown their salary credit transactions, a copy of latest B or BE form together with tax payment receipt, a copy of Form 9, 24, or 49, and a copy of Business Registration Certificate. Both of the applicants must also have a clean record of their credit card (CTOS/CCRIS) to be eligible for the loan.

Repayment Table

UOB Repayment table is listed below

Uob Personal Loan Table