In 2026, CIMB cash plus personal loans continue to provide Malaysians with flexible financing solutions for various purposes. Whether it is managing unexpected emergencies, consolidating debts, funding education, or supporting lifestyle needs, CIMB offers multiple personal loan products to suit diverse borrower profiles. Products such as CIMB Cash Plus, CIMB Cash Lite, and CIMB Ezi Tunai are designed with competitive interest rates, clear terms, and flexible repayment options. Their accessibility through both online and branch applications has contributed to their popularity among Malaysian borrowers.
Before applying, borrowers can utilise the CIMB personal loan calculator or CIMB loan calculator to estimate monthly repayments and total interest payable. This ensures that repayment obligations fit within the borrower’s monthly budget and allows them to make informed financial decisions.
Updated CIMB Personal Loan Interest Rates 2026
The Financing products and interest rates provided by CIMB Bank for 2026 are still competitive compared to the rest of the Industry. The cash plus loan features a starting rate of just 4.38% (annual) with a maximum fixed annual rate of 19.88%, depending on the applicant’s profile and the amount of the loan requested. The effective annual interest rate is at least 8.08% and can reach up to 31.42% in some cases, depending on the creditworthiness of the applicant. Loans can be obtained by customers for up to RM100,000 with repayment periods up to five years.
The Cash Plus Account 2 Support Facility offered to eligible members of the EPF allows them to borrow up to RM50,000 with repayment terms of up to ten years and initial interest rates starting at 4.5%. CIMB also offers an Ezi Tunai personal loan product, which provides access to money quickly due to the wide range of flexible repayment options and variable risk-based interest rates of between 6.88% and 24%.
Types of CIMB Personal Loans Available in 2026
- CIMB Cash Plus personal loan
CIMB Cash Plus is suited for borrowers who require larger loan amounts and longer repayment periods. It is ideal for managing higher education expenses, consolidating debts, or funding significant purchases. With competitive interest rates and flexible repayment terms, it remains the preferred choice for long-term financial planning. - CIMB Cash Lite personal loan
CIMB Cash Lite is designed for borrowers who need smaller loan amounts for short-term financial needs. This product provides quick access to funds with manageable monthly repayments, making it practical for urgent or minor expenses without overextending the borrower’s budget. - CIMB Ezi Tunai personal loan
CIMB Ezi Tunai provides borrowers requiring immediate access to cash with a quick and easy method of obtaining cash with very few required documents. The risk-based interest rates provide borrowers with an appropriate price for a loan, as well as enabling the borrower to manage their urgent financial needs through flexible repayment schedules. - CIMB Cash Loan
CIMB Cash Loan is a typical personal loan product for any financial needs. With CIMB Cash Loan, individuals have a way to obtain funding to use for everyday living or for completing projects they have planned, but they will repay according to their ability to pay.
CIMB Personal Loan Table Malaysia 2026
| CIMB Personal Loan Type | Loan Amount | Repayment Tenure | Interest Rate Range | Suitable For |
| CIMB Cash Plus | Up to RM100,000 | Up to 5 years | From 4.38% p.a. | Debt consolidation, education, major expenses |
| CIMB Cash Lite | Lower amounts | Shorter tenure | Varies by profile | Short-term financing |
| CIMB Ezi Tunai | Up to RM100,000 | Up to 7 years | 6.88% to 24% p.a. | Quick cash access |
| Cash Plus Account 2 Facility | Up to RM50,000 | Up to 10 years | From 4.5% p.a. | EPF-backed financing |
This table provides a clear comparison of CIMB personal loan products, allowing borrowers to assess interest rates, loan amounts, and suitability for their financial needs. Combined with the CIMB personal loan calculator, it helps borrowers plan repayments accurately and select the most appropriate loan.
CIMB Personal Loan Calculator and Repayment Planning
The CIMB Personal Loans Calculator is an invaluable tool to assist in budgeting for repayment and to give potential borrowers the ability to enter their desired loan amount, interest rate and term of the loan, to determine their total estimated monthly repayment amount, and total interest paid back over the term. This helps borrowers make informed financial decisions prior to applying for the loan.
In conjunction with the CIMB Personal Loan Table, the Calculator allows users to compare various loans, assess which loan best fits their financial situation, and select the loan that meets their short- and/or long-term goals.
How to Apply for a CIMB Personal Loan in 2026
Applying for a CIMB personal loan is straightforward. Borrowers can submit applications via the CIMB Website or at a CIMB Branch. To complete their applications, Applicants must provide their Personal and Financial Details as well as submit Supporting Documentation, including Proof of Income and Proof of Identification. Eligible borrowers, especially current CIMB Customers, may also receive Instant Approval on their Applications, allowing them quick access to their funds. Using a CIMB Personal Loan Calculator before submitting an Application helps ensure the selected Loan Type and/or Payment Plan is affordable and reasonable for the Applicant.
CIMB Personal Loan Promotions 2026
CIMB continues to offer promotions in 2026. Borrowers may benefit from lower interest rates for online applications, waived processing fees during promotional periods, and faster approval for existing customers. Certain loan amounts or tenures may also come with special terms or incentives. Checking current promotions ensures that borrowers obtain the best value and advantages from their CIMB personal loan.
Frequently Asked Questions
1. Which CIMB personal loan is the best in Malaysia for 2026?
The best CIMB personal loan depends on your financial needs. CIMB Cash Plus is ideal for larger loan amounts and longer repayment periods, suitable for debt consolidation, education, or major expenses. CIMB Cash Lite is for smaller, short-term loans, while CIMB Ezi Tunai provides fast access to cash with flexible repayment options for urgent needs.
2. How do I calculate my CIMB personal loan repayment?
Monthly repayments can be calculated using the CIMB personal loan calculator online. Enter the loan amount, tenure, and interest rate to see estimated monthly instalments and total repayment. Reviewing the CIMB personal loan table alongside the calculator ensures repayments fit comfortably within your budget.
3. Are there fees for early repayment of a CIMB personal loan?
Early repayment fees depend on the loan type. CIMB Cash Plus allows early settlement without fees, though stamp duty may apply. Other CIMB loans may include minor penalties, so reviewing the terms before early repayment is essential.
4. Can I apply for a CIMB personal loan online?
Yes, CIMB allows online applications for all personal loan products, including Cash Plus, Cash Lite, and Ezi Tunai. Applications can be submitted via the CIMB website or mobile app, and approvals can be tracked digitally.
5. How long does CIMB personal loan approval take in 2026?
Approval times depend on the applicant’s profile and submitted documents. Eligible borrowers typically receive approval within a few working days, while existing CIMB customers may qualify for instant approval.
6. What is the minimum and maximum loan amount for CIMB Cash Plus?
CIMB Cash Plus provides loans of up to RM100,000 with repayment tenures of up to five years. The EPF-backed Cash Plus Account 2 can reach RM50,000 with tenures of up to 10 years, depending on eligibility.
7. How do I know which CIMB personal loan suits my budget?
Use the CIMB personal loan calculator to estimate monthly repayments and compare different tenures. Reviewing the CIMB personal loan table helps select the loan that balances the amount, interest rate, and repayment obligations without straining the monthly budget.
Conclusion
For the year 2026 in Malaysia, CIMB has many flexible options for personal loans available at competitive interest rates and an upgraded digital application process. By looking at CIMB Cash Plus, Cash Lite and Ezi Tunai products, the user should review all three loans and then utilize the CIMB Personal Loan Table and Calculator to compare them to make an educated decision and create an effective repayment strategy. Choosing a CIMB personal loan that meets your financial needs will provide you with financial stability while keeping your budget manageable. CIMB also provides clarity and ease of use for developing your own personal financial planning process.
