Personal Loan Malaysia

DCSB - Your ONE STOP Financial Solutions

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Customer Service

Personal Loan

PERSONAL LOAN

Personal loan is a short-term loan and it may be the answer to your short-term cash needs. DCSB provides you the financial needs for all the important occasions in your life. We even make it fast and simple when you need the extra cash. We always give you what you deserve, at a very reasonable interest rate.

Our personal loan package is granted based on the following pointing system:-

Nett Salary per month Point(s)
< RM1,800 1
> RM1,800 but < RM3,000 2
> RM3,000 but < RM5,000 3
> RM5,000 but < RM10,000 4
> RM10,000 but < RM20,000 5
> RM20,000 8
Nett Salary per month Point(s)
< RM1,800 1
> RM1,800 but < RM3,000 2
> RM3,000 but < RM5,000 3
> RM5,000 but < RM10,000 4
> RM10,000 but < RM20,000 5
> RM20,000 8



Working Experience Point(s)
Work < 1 year 1
Work > 1 year but < 3 years 2
Work > 3 year but < 5 years 3
Work > 5 years 4
Work with government 7
Working Experience Point(s)
Work < 1 year 1
Work > 1 year but < 3 years 2
Work > 3 year but < 5 years 3
Work > 5 years 4
Work with government 7



Personal Asset Point(s)
With own house 3
With own car 3
Without own house/car 1
Personal Asset Point(s)
With own house 3
With own car 3
Without own house/car 1
Marriage status Point(s)
Single 1
Married without kid(s) 3
Married with kid(s) 5
Marriage status Point(s)
Single 1
Married without kid(s) 3
Married with kid(s) 5



TOTAL POINTS LEVEL LOAN AMOUNT ENTITLED INTEREST CHARGEABLE
= or < 10 points Gold 2 times of nett salary 8% per annum
> 10 points but < 18 points Platinum 3 times of nett salary 7% per annum
= or > 18 points but < 25 Preferred 4 times of nett salary 6% per annum
= or > 25 points Privilege 6 times of nett salary 4.5% per annum

Point System


Level: Gold

Total Points: = or < 10 points

Loan Amount Entitled: 2 times of nett salary

Interest Chargable: 8% per annum



Level: Platinum

> 10 points but < 18 points

Loan Amount Entitled: 3 times of nett salary

Interest Chargable: 7% per annum



Level: Preferred

Total Points: = or > 18 points but < 25

Loan Amount Entitled: 4 times of nett salary

Interest Chargable: 6% per annum



Level: Privilege

Total Points: = or > 25 points

Loan Amount Entitled: 6 times of nett salary

Interest Chargable: 4.5% per annum




For any application, just following the following steps!

  • STEP 1: Submit your application form online
  • STEP 2: Email us your 3 months’ salary slip, EPF statement, 3 months’ bank statement and your IC.

Our loan consultants will be happy to guide you on your application.

Eligibility
  • 3 Month’s Salary Slip
  • EPF Statement
  • Photocopy of NRIC
  • Latest Bank Statement
You must be
  • Above 18 years old
  • A Permanent Resident of Malaysia

Malaysia's TOP Licensed Moneylender

Contact us now or fill up the online application form now to check out the best loan package that fit your needs