Borrow RM3,000 in Malaysia — Best Rates & Monthly Repayment
Compare what a RM3,000 personal loan actually costs across 6 banks. Below is the real monthly repayment for each lender at 1, 3, 5 and 7-year tenures, plus the salary you'd need to qualify — updated 21 Jun 2026, 4:48 PM MYT.
Bank Rakyat has the lowest rate at 3.65% p.a. flat — about RM59.13/month over 5 years (RM3,548 total). (for government servants)
You'd need roughly RM99/month gross income to stay within the 60% debt-service-ratio (DSR) guideline at 5 years.
Monthly repayment for a RM3,000 loan
| Bank & rate | 1 yr | 3 yr | 5 yr | 7 yr |
|---|---|---|---|---|
Bank RakyatGovt only 3.65% · EIR 6.82% | RM259.13/mo | RM92.46/mo | RM59.13/mo | RM44.84/mo |
GXBank 3.78% · EIR 6.45% | RM259.45/mo | RM92.78/mo | RM59.45/mo | — |
AEON Bank 3.88% · EIR 7.10% | RM259.70/mo | RM93.03/mo | RM59.70/mo | RM45.41/mo |
CIMB Bank 4.38% · EIR 8.02% | RM260.95/mo | RM94.28/mo | RM60.95/mo | — |
 Bank Islam 5.50% · EIR 10.04% | RM263.75/mo | RM97.08/mo | RM63.75/mo | RM49.46/mo |
AmBank 6.99% · EIR 12.69% | RM267.47/mo | RM100.81/mo | RM67.48/mo | — |
Figures use each bank's advertised flat rate; your actual rate depends on your income and CCRIS/CTOS profile. “—” means that tenure isn't offered.
Frequently asked questions
At the lowest rate (3.65% from Bank Rakyat), about RM59.13/month over 5 years — RM3,548 in total. Higher rates cost more; see the full table above.
Bank Rakyat at 3.65% p.a. flat (EIR 6.82%) is the lowest rate for this amount.
Roughly RM99/month to stay within the 60% DSR guideline at 5 years. Lower incomes can still qualify with fewer existing commitments.