Borrow RM30,000 in Malaysia — Best Rates & Monthly Repayment
Compare what a RM30,000 personal loan actually costs across 18 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.
Co-opbank Pertama has the lowest rate at 3.45% p.a. flat — about RM586.25/month over 5 years (RM35,175 total). (for government servants)
You'd need roughly RM977/month gross income to stay within the 60% debt-service-ratio (DSR) guideline at 5 years.
Monthly repayment for a RM30,000 loan
| Bank & rate | 1 yr | 3 yr | 5 yr | 7 yr |
|---|---|---|---|---|
Co-opbank PertamaGovt only 3.45% · EIR 6.31% | RM2,586.25/mo | RM919.58/mo | RM586.25/mo | RM443.39/mo |
 Bank RakyatGovt only 3.65% · EIR 6.82% | RM2,591.25/mo | RM924.58/mo | RM591.25/mo | RM448.39/mo |
GXBank 3.78% · EIR 6.45% | RM2,594.50/mo | RM927.83/mo | RM594.50/mo | — |
AEON Bank 3.88% · EIR 7.10% | RM2,597.00/mo | RM930.33/mo | RM597.00/mo | RM454.14/mo |
UOB Bank 3.99% · EIR 7.31% | RM2,599.75/mo | RM933.08/mo | RM599.75/mo | — |
CIMB Bank 4.38% · EIR 8.02% | RM2,609.50/mo | RM942.83/mo | RM609.50/mo | — |
MBSB BankGovt only 4.49% · EIR 8.24% | RM2,612.25/mo | RM945.58/mo | RM612.25/mo | RM469.39/mo |
BSNGovt only 4.60% · EIR 8.42% | RM2,615.00/mo | RM948.33/mo | RM615.00/mo | RM472.14/mo |
Alliance Bank 4.99% · EIR 9.13% | RM2,624.75/mo | RM958.08/mo | RM624.75/mo | RM481.89/mo |
 Bank Islam 5.50% · EIR 10.04% | RM2,637.50/mo | RM970.83/mo | RM637.50/mo | RM494.64/mo |
RHB Bank 5.99% · EIR 10.98% | RM2,649.75/mo | RM983.08/mo | RM649.75/mo | RM506.89/mo |
Affin Bank 5.99% · EIR 10.98% | RM2,649.75/mo | RM983.08/mo | RM649.75/mo | RM506.89/mo |
Maybank 6.50% · EIR 11.78% | RM2,662.50/mo | RM995.83/mo | RM662.50/mo | — |
Public Bank 6.80% · EIR 12.31% | RM2,670.00/mo | RM1,003.33/mo | RM670.00/mo | — |
AmBank 6.99% · EIR 12.69% | RM2,674.75/mo | RM1,008.08/mo | RM674.75/mo | — |
Bank Muamalat 6.99% · EIR 12.69% | RM2,674.75/mo | RM1,008.08/mo | RM674.75/mo | RM531.89/mo |
Hong Leong Bank 7.20% · EIR 13.00% | — | RM1,013.33/mo | RM680.00/mo | — |
Standard Chartered 7.99% · EIR 14.48% | RM2,699.75/mo | RM1,033.08/mo | RM699.75/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 (3.45% from Co-opbank Pertama), about RM586.25/month over 5 years — RM35,175 in total. Higher rates cost more; see the full table above.
Co-opbank Pertama at 3.45% p.a. flat (EIR 6.31%) is the lowest rate for this amount.
Roughly RM977/month to stay within the 60% DSR guideline at 5 years. Lower incomes can still qualify with fewer existing commitments.