Find out more about our award-winning loan offerings. Whether you seek personal loans, car loans or home loans, we offer some of the most affordable and competitive interest rates in Malaysia.

TERM FINANCING-i secured by ASB / ASB2 certificate

Eligibility: Malaysian Bumiputera individual
Age: 18 to 65 [at the point of application]
Financing Amount: Minimum RM10,000 & Maximum RM200,000
Financing Tenure: Minimum 5 years & Maximum 40 years or age 70 at financing expiry; whichever is earlier
Financing Margin: Up to 100% + 5% of RTT financing
Profit Rate: Base Rate [3.35% per annum] + 1.50% per annum
How to Apply: Photocopy of NRIC
ASB mini statement
Photocopy of 3 months latest payslips (for salaried applicants) or 6 months income statements (for non-salaried applicants)

Apply Now

TERM LOAN ASB / ASB2

 

Eligibility: Malaysian Bumiputera individual
Age: 18 to 65 [at the point of application]
Loan Amount: Minimum RM10,000 & Maximum RM200,000
Loan Tenure: Minimum 5 years & maximum 40 years or age 70 at loan expiry; whichever is earlier
Loan Margin: Up to 100% + 5% of DTA financing
Interest Rate: Base Rate [3.35% per annum] + 1.50% per annum
How to Apply: Application form
Consent form for “Eligibility Checking”
DTA proposal form
3 photocopies of NRIC [front & reverse on same page]
Latest 3 month salary slips
ASB/ASB2 mini statement

Apply Now

Auto Financing

We go beyond being just your automobile financier. With us, you will find a host of value-added features designed to ease and simplify your car ownership experience.

Crafted with your car ownership journey in mind, we look forward to ensuring that you have a wonderful experience in owning your vehicle with us.

Large Dealer Network

Over 3,000 panel dealers in Peninsular and East Malaysia.
AmBank has long established relationship with automotive dealers for almost all prestigious brands and models. With one of the largest car dealer network, getting your car will be a breeze.

Wide Range of Financial Solutions

Arrays of financing packages are available covering both Conventional and Islamic financing, Insurance/Takaful and Credit Card.

  • Fixed Rate Financing - manage your finances better by fixing your monthly instalment and payment period.
  • Variable Rate Financing - own your car with an affordable monthly instalment with financing rate pegged to BLR/BFR.
  • Special packages tailor-made for your business organisation via AmBank@Work Financial Solution.
  • Privilege rate for AmSignature Priority Banking customers
  • Payment of your monthly instalments made easy via salary deduction/auto debit facility

 

Comprehensive Auto Related Insurance and Takaful Coverage

Our plans are crafted to ensure owning your dream car is not a burden.

  • Comprehensive Motor Insurance/Takaful – AmGeneral Insurance and Kurnia Insurance. Walk into any of our 175 branches nationwide to buy/renew your motor insurance or takaful policy (in collaboration with MAA Takaful).
  • Life Insurance/Family Takaful– A life plan that will take care of any outstanding amount of your car hire purchase financing, in the event of Death or Total Permanent Disability (TPD).
  • Personal Accident Protection Insurance/Takaful – Accidents are inevitable! Eliminate your worries by protecting yourself through our Insurance/Takaful Plan.

Now, you can rest assure knowing that we provide security and convenience. Click here to view On The Spot Branches.

Extensive Repayment Channels

Extensive choice of payment options for speedy service and convenience:

  • Auto Debit Facility
  • Online banking
  • EBC (electronic Banking Channel)
    • CDM (Cash Deposit Machine) - AmBank Branches
    • ATM (Automated Teller Machine) - AmBank Branches
  • Over The Counter - AmBank Branches

Personal Loan

Life merely is a journey of defining moments, whether it’s getting married, buying a new house or continuing education, AmMoneyLine is your companion in this voyage.  It allows you to get extra cash whenever you are in need.  We have made it real quick and simple so nothing stops you from savouring the great moments in life.

AmMoneyLine/AmMoneyLine Facility- i

Whether you want to give your lifestyle a boost or have unexpected expenses to deal with, this is the flexible facility of making it happen.

We fulfil what you desire with AmMoneyLine / AmMoneyLine Facility- i by consolidating your financing accounts into ONE affordable monthly payment or getting additional cash for any needs.

More Details  Enquiry

Note: Customers who opt in for Bank Negara Malaysia’s (BNM) loan / financing deferment initiative will not be eligible to receive 5% cash rebate per annum on total interest / profit paid. For more information, please refer to our FAQ here.

Personal Financing-i

Our Personal Financing-i at AmBank Islamic fully complies with the Shariah requirements designed specifically for your needs.

Features:

  • Based on the Shariah concept of Bai' Inah
  • No guarantor
  • No collateral required
  • No advanced instalments required
  • Rebate on early settlement
  • Takaful coverage

View the next page for more details on financing under Biro Perkhidmatan Angkasa (BPA) and Private Sector.

Apply Now

Personal Financing-i

  • Biro Perkhidmatan Angkasa (BPA)
    As low as 3.99% per annum.
    (effective from 15 April 2020)
    Click here for the application form
  • Private Sector
    Profit rate of 6.90% per annum.
    (effective from 2 January 2015).
    This offer is exclusively for employees of selected private and goverment-linked companies. Click here for list of companies.

BNM Affordable Home Scheme 2

Residential property price of up to RM300,000
For Malaysian citizens with maximum monthly household income of RM5,000
Financing tenure of up to 35 years or up to 70 years old, whichever is shorter.

Special Incentives:

  • No processing fee for the financing application
  • Exemption of stamp duty on sale and purchase agreement and financing agreement
  • Affordable rates for mortgage protection cover

Applicant is required to fulfill the online financial education module at https://learn.akpk.org.my before submitting the application

Home Loan

Chasing real estate prices may make it seem that owning your dream home is out of reach, maybe now is the time to do something about it.

AmBank’s unparalleled home loans will make it easier to move into your house with a range of easy and manageable repayment terms. Also with a combination of term loan and overdraft facility that comes with our home loans, enjoy flexibility in managing the size and frequency of loan repayments.

With the option to make extra repayments, you control how much interest you pay and not us. This returns the control of your finances back to where it should be. In your hands.

Download the Residential Property Financing Brochures here.

Apply Now

Home Link

Link your home loan to your current account to save more on interest. The more funds you keep in your current account, the more you stand to potentially save in interests. This integrated account is easy to monitor through a monthly consolidated statement. Best of all, you can still access your funds anytime via ATM or a cheque book whenever there is a need.

Download the Residential Property Financing Brochures here.

Apply Now

Property Loan

A simple and basic loan for commercial properties with added flexibility.

  • Flexibility in managing the amount and frequency of loan repayment.
  • Combination of term loan and overdraft facility is available.
  • Margin of financing up to 85% (with MRTA/MLTA).

Download the Commercial Property Financing Brochures here.

Apply Now

Property Link

Enhanced commercial loan with linkages to a Current Account for greater interest savings.

  • Integrated account for easy monitoring.
  • The more funds in Current Account, the more savings on interest.
  • Instant cash withdrawal via ATM.

Download the Commercial Property Financing Brochures here.

Apply Now

Home/Property Financing-i

Based on the Shariah contract of Tawarruq, our Home/Property Financing-i offers you variable rate home/property financing solutions.

Features:

  • Profit is calculated based on variable rates.
  • Protected throughout the financing period with capping rate.
  • Margin of financing up to 95% (inclusive of Mortgage Reducing Term Takaful (MRTT)).

Click here for more information.

Apply Now

What is eStatement?

eStatement is an electronic version of your AmBank/AmBank Islamic yearly account statements. You will have the option to view or download your statement(s) directly from AmOnline anywhere, anytime and it can also be sent to your email if you subscribe for eStatement.

Migration to eStatement will commence on 31 December 2018.

What are the benefits of eStatement?

  • Faster – You will be able to view via AmOnline or receive your eStatement via email as soon as it is available.
  • Convenient – You can view your eStatement anytime anywhere at your convenience.
  • Safe and Secure – Access to eStatement via our secured site at https://ambank.amonline.com.my is password protected while eStatement via email is encrypted with individual password which will be sent directly to your email.
  • Go Green – eStatement is an environmental friendly approach to reduce paper consumption and help to sustain a greener environment.

What types of AmBank/AmBank Islamic accounts’ eStatements are available on AmOnline?

eStatements are available for the following Product Types:

  • Latest two (2) records for :
    • Hire Purchase/-i
  • Latest record for :
    • Home Loan/Home Financing-i
    • Personal Financing -i
    • Term Loan ASB/Term Financing-i Secured by ASB Certificate
    • AmMoneyLine/AmMoneyLine Facility-i
    • SME Banking Loan/Financing

Note: The frequency of eStatement is on a yearly basis.

Exemption is given to the following categories of customers who will continue to receive hardcopy statements:

  • Senior citizens of 65 years and above;
  • Customers with disability;
  • Customers with no access to internet/e-mail;
  • Individuals who are still using the old Identification Number; and;
  • Non-Individual (excluding Sole Proprietor)

Do I need to pay for eStatement?

No, eStatement service is provided to you at no cost.

If I am an existing AmBank/AmBank Islamic customer and I would like to retain my hardcopy statement, how do I go about it and will there be any charges for this?

Please make your request at any AmBank branches or call our Contact Centre at 03-2178 8888 should you wish to opt for hardcopy statement. For now, there will be no charges imposed for request for hardcopy statement.

Disclaimer : You will be advised accordingly if there is any fee imposed in the future.

Do I need to pay for duplicate/ad-hoc statement request?

Yes, for duplicate/ad-hoc hardcopy statement, there will be a fee of RM20 per request.

If I am an existing AmBank/AmBank Islamic customer and I would like to retain my hardcopy statement, how do I go about it and will there be any charges for this?

Please make your request at any AmBank branches or call our Contact Centre at 03-2178 8888 should you wish to opt for hardcopy statement. For now, there will be no charges imposed for request for hardcopy statement.

Disclaimer : You will be advised accordingly if there is any fee imposed in the  future.