CIMB Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

CIMB Bank's Cash Plus personal loan is a direct-lender offer from a Malaysian bank, priced at 8.08% to 31.42% on a fixed rate. It suits Malaysian citizens with steady salaried income who want quick disbursement and no processing fee.

Key facts

Best for
Malaysian salaried borrowers who want a fixed-rate personal loan disbursed the same day.
APR
8.08% to 31.42% (Source, checked September 26, 2026)
Loan amount
MYR 2,000 to MYR 100,000 (Source, checked September 26, 2026)
Term
24 to 84 months (Source, checked September 26, 2026)
Arrangement fee
RM0 (no processing fee) (Source, checked September 26, 2026)
Funding time
Instant disbursement; approved and disbursed in 10 minutes (Source, checked September 26, 2026)
Representative example
Cash Plus Personal Loan: fixed 4.38% p.a. equivalent to effective interest rate 8.08% p.a. on 5-year tenure (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Malaysian citizen, aged 21 to 58 (max 60 at loan maturity), minimum monthly gross income RM2,000, employed over 6 consecutive months (Source, checked September 26, 2026)
Origination fee (%)
0.5% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
CIMB Bank Berhad (197201001799, 13491-P) (Source, checked September 26, 2026)
Headquarters
Malaysia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
cimb.com.my

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInXonelink.to

Pros and cons

Pros

  • Lends directly as direct lender, with no intermediary markup
  • Apr of 8.08% to 31.42% on a fixed rate, below the site median of 12.25%
  • No processing fee: RM0 (no processing fee), with a smaller 0.5% charge
  • Funding time of Instant disbursement; approved and disbursed in 10 minutes, and free early repayment

Cons

  • Eligibility is limited to Malaysian citizens with a minimum monthly gross income, a minimum age and a waiting period in employment
  • Single loan type of personal, so it does not cover secured or consolidating borrowing
  • Support runs on email, phone and help centre only, with no chat or branch option
CIMB Bank

Ready to try CIMB Bank?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Malaysian citizens with a stable salary who want the money quickly
  • Borrowers who want to settle a loan early without penalty
  • Anyone comparing a fixed-rate personal loan against the site median of 12.25%

Who should look elsewhere

  • Borrowers outside Malaysia, who cannot meet the citizenship rule
  • Anyone seeking a secured, business or consolidating facility, since only personal is offered
  • People who want live chat support, as help runs on email, phone and help centre

Who runs it

The lender is CIMB Bank Berhad (197201001799, 13491-P), headquartered in Malaysia, and it lends directly rather than through a broker. You deal with the bank itself, so the rate you are offered is the bank's own. Questions go through email, phone and help centre. No licence or regulator details are listed for this product.

How CIMB Bank compares

Where CIMB Bank is available

Available
Malaysia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow from CIMB Bank?+

Borrowing runs at MYR 2,000 to MYR 100,000 under the Cash Plus personal loan. The figure is a range, so your offer depends on income and credit assessment. The lender describes this as a fixed rate loan, which keeps repayments level through the term.

What rate will I pay and is it fixed?+

The rate is 8.08% to 31.42% and it is fixed, so your repayments stay predictable for the life of the loan. The published representative example is a fixed rate on a five-year tenure, the lowest end of the range above.

Are there arrangement or processing fees?+

The stated arrangement fee is RM0 (no processing fee). A separate percentage charge of 0.5% also appears in the bank's published charges. Set both against the 8.08% to 31.42% rate before you compare offers.

How fast do I get the money?+

Funding time is Instant disbursement; approved and disbursed in 10 minutes, and same-day funding is listed among the product features. In practice the payout follows credit approval, so the clock starts once your file clears rather than when you apply.

Can I repay the loan early?+

Yes. Free early repayment is confirmed for this product, so settling the balance ahead of schedule carries no penalty. That makes the 24 to 84 term worth choosing carefully rather than stretching to the longest available.

Who qualifies to apply?+

Applicants must be Malaysian citizens within the stated age band, earn a minimum monthly gross income, and have been employed for a waiting period of consecutive months. Requirements are strict, so check your own status against them before applying.

How do I get help with the loan?+

Support runs on email, phone and help centre, so you can email, call or use the bank's help centre. There is no live chat option listed, and the lender is a direct-lender bank rather than a broker, so questions go to the bank itself.

How does CIMB Bank compare on cost?+

Its Apr range of 8.08% to 31.42% runs below the site median of 12.25% at the lower end and above it at the upper end. The RM0 (no processing fee) arrangement fee and free early repayment help the total cost, giving it a cost score of 4.3.

Sources

  • en.wikipedia.org/wiki/CIMB_Group checked September 26, 2026

    Backs: Headquarters

    “is a Malaysian universal bank headquartered in Kuala Lumpur, Malaysia”

  • cimb.com.my/en/personal/day-to-day-banking/financing/pers... checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Free early repayment, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Support channels, Term

    “Loan amount ranges from a minimum of RM2,000 to a maximum of RM100,000.”

  • cimb.com.my/en/personal/help-support/rates-charges/intere... checked September 26, 2026

    Backs: Origination fee (%)

    “Ad valorem stamp duty of 0.5% on the total approved personal loan which will be rounded up to the nearest thousand will be charged and deducted from the approved personal loan, subject to a minimum...”

  • cimb.com.my/en/personal/home.html checked September 26, 2026

    Backs: Legal entity

    “CIMB Bank: All rights reserved. Copyright CIMB BANK BERHAD 197201001799 (13491-P)”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Related by the facts

CIMB Bank

CIMB Bank

Malaysian salaried borrowers who want a fixed-rate personal loan disbursed the same day.

9.2/10See alternatives

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