CIMB review

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

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Our verdict

CIMB suits Malaysian borrowers who want a personal loan priced on a fixed rate with no arrangement fee and money in the same day. Interest runs 4.38% to 19.88% on amounts of MYR 2,000 to MYR 100,000, repaid over 24 to 84, and it is a direct lender rather than a broker.

Key facts

Best for
Malaysian salaried workers borrowing a moderate sum at a fixed rate with no upfront fee.
APR
4.38% to 19.88% (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
0 MYR (Source, checked September 26, 2026)
Funding time
Instant disbursement; approved and disbursed in 10 minutes for eligible segments (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 more than 6 consecutive months (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
CIMB Bank Berhad (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

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
CIMB Bank Berhad (Source, checked September 26, 2026)
Headquarters
Malaysia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaXLinkedIn

Pros and cons

Pros

  • Fixed interest rates of 4.38% to 19.88% across the whole term
  • No arrangement or origination fee, listed as 0 MYR
  • Free early repayment, so settling early costs nothing
  • Same-day funding, with approval and disbursement in minutes for eligible segments

Cons

  • Open to Malaysian citizens only, with a minimum monthly gross income and a period of continuous employment required
  • Support runs on email, phone and help centre only, with no branch or in-app chat listed
  • APR of 4.38% to 19.88% is a wide band, so the rate you pay depends on your profile
CIMB

Ready to try CIMB?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Malaysian citizens with a stable salary who want a fixed repayment amount
  • Borrowers who want to clear the loan early without a charge
  • Anyone who needs the cash in the same day for eligible segments

Who should look elsewhere

  • Anyone outside Malaysia, since eligibility is for citizens only
  • Self-employed applicants without the required continuous employment period
  • People who want a variable rate, a credit line or a longer term than 24 to 84

How CIMB compares

Where CIMB is available

Available
Cambodia, Indonesia, Malaysia, Philippines, Singapore, Thailand, Vietnam

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

Frequently asked questions

What rate will I pay on a CIMB personal loan?+

Interest is charged at a fixed rate, so payments do not move during the term. The band is 4.38% to 19.88%, which is wide because pricing depends on your profile and the amount borrowed. Ask CIMB for the rate that applies to you before you commit.

Is there an arrangement fee?+

No. The origination fee is listed as 0 MYR and the fee percentage as 0%, so nothing is taken up front to set the loan up. The cost sits in the interest rate instead, which runs 4.38% to 19.88%.

How much can I borrow and for how long?+

Loan amounts run MYR 2,000 to MYR 100,000 and terms run 24 to 84. As a direct lender, CIMB sets the rate itself rather than passing your application to other lenders, so the amount you are offered sits inside that range.

Who can apply?+

Eligibility is limited to Malaysian citizens of adult age, with a minimum monthly gross income and a period of continuous employment with the same employer. You must still meet the bank's affordability assessment once you apply.

How quickly is the money paid out?+

Funding time is listed as instant disbursement, with approval and disbursement in minutes for eligible segments. Same-day funding also appears among the standard features, though the fastest times apply to eligible applicants only.

Can I repay the loan early?+

Yes, free early repayment is one of the listed terms. There is no charge for clearing all or part of the balance ahead of schedule, which makes CIMB a sensible pick if your income could rise or you expect a windfall.

How do I get help with my loan?+

Support is offered through email, phone and help centre, so you can phone, email or use the help centre. There is no live chat listed, which means questions outside business hours wait until a phone line or an email reply is available.

Is the rate fixed for the whole loan?+

Yes. CIMB's loan type is fixed-rate and the rate type is fixed, so the interest rate holds for the full 24 to 84 of the term. Nothing in the listed terms allows the rate to be repriced mid-borrowing.

Sources

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

Related by the facts

CIMB

CIMB

Malaysian salaried workers borrowing a moderate sum at a fixed rate with no upfront fee.

9.3/10See alternatives

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