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YOUR BEST CHOICE OF PERSONAL FINANCING

Life is made up of many defining moments, and whether it is to prepare for your wedding, buying a new property or furthering your education, AmMoneyLine / AmMoneyLine Facility-i is your trusted companion in every journey. You can choose from either Cash-Out Plan to get extra cash in hand, or Debt Consolidation Plan to consolidate your debts into a single payment. Don’t wait, apply now to savour the great moments in life.

 
Cash-Out Plan Debts Consolidation Plan

Cash-Out Plan

  • Low interest / profit rate from 8.00% - 11.99% per annum
  • NO guarantor / collateral required
  • Payment period of between 12 - 60 months
  • High Disbursement Amount – Maximum 10x of your gross monthly income or RM150,000, whichever is lower.
  • Get Rewarded For Timely Repayments – Enjoy 5% cash rebate per annum on total interest / profit paid when you make payment on time
 
 
CALCULATOR

Cash Out Calculator

Looking for a calculator? Just fill in the fields below to find out your monthly installment amount

(Min. RM2,000, Max. RM150,000)

 
MONTHLY
REPAYMENT
RM0

Debts Consolidation Plan

  • Simplify your finances by consolidating your credit card and personal loan / financing accounts into ONE account
  • Save up to 2% per annum on interest / profit
  • Payment period of between 12 – 60 months
  • Competitive rate for immediate interest / profit savings
 
 
CALCULATOR

Debt Consolidation Calculator

Find out what your new monthly payments would be and how soon you could be debt free.

 

STEP 1

Tell us your current outstanding balance and monthly repayment on your cards and/or personal loans.

 
 

STEP 2

Select the installment tenure (12-60 months)

 

Your Debt Consolidation Plan

Current total monthly payment
RM0

 
NEW CONSOLIDATED
MONTHLY REPAYMENT
RM0

MONTHLY
REPAYMENT SAVINGS
RM0

ITEM DETAILS
Minimum Age 21-60 years old (upon maturity of facility)
Nationality
  • Malaysian citizen; OR
  • Permanent Resident working in Malaysia
Minimum Income Salaried Employees
  • RM36,000 for existing Bank customers
  • RM60,000 for new to Bank customers

Self Employed:
  • RM60,000 for existing Bank customers
  • RM120,000 for new to Bank customers
Documents Required
  • Application form
  • Photocopy of NRIC (Front and Back)
  • For Salaried Employee:
    1. Fixed Salary Earner
      1. Latest 3 months’ salary slips + latest 3 months’ bank statements of which salary is credited + latest BE Form with tax payment receipt; OR
      2. Latest 3 months’ EPF statements
    2. Commission Earner & Variable Income Earner
      1. Latest 6 consecutive months’ commission statement / statement of account + latest 6 consecutive months’ of which income is credited + latest BE Form with tax payment receipt; OR
      2. Latest 3 months’ EPF statements

  • For Self Employed:
    1. For Sole Proprietor:
      1. Form A and Form D (Business Registration); AND
      2. Latest 6 consecutive months’ company / personal bank statements & summary of bank statement analysis; OR
      3. Latest BE & B Form with tax payment receipt + latest 1-month company bank statement; OR
      4. E-Filing acknowledgment receipt + latest 1-month company bank statement
    2. For Partnership:
      1. Form B and Form D (Business Registration)
      2. Latest 6 consecutive months’ company bank statements & summary of bank statement analysis; OR
      3. Latest BE & B Form with tax payment receipt + latest 1-month company bank statement; OR
      4. E-Filing acknowledgment receipt + latest 1-month company bank statement
    3. Company
      1. Form 9 – certificate of incorporation of private company
      2. Form 24 – return of allotment of shares
      3. Form 49 – notification of change in the registration of director, manager and secretary
      4. Constitution of a written confirmation duly signed by director(s) confirming that the company does not have Constitute (formerly known as Memorandum & Articles of Association)
      5. Notification of change in registered address (formerly known as Form 44, if applicable)
      6. Latest 6 consecutive months’ company bank statements & summary of bank statement analysis; OR
      7. Latest BE & B Form with tax payment receipt + latest 1-month company bank statement; OR
      8. E-Filing acknowledgment receipt + latest 1-month company bank statement

  • Flexible tenure of 12 months to 60 months
  • Minimum loan / financing amount of RM2,000
  • Low interest / profit rate from 8.00% to 11.99% (EIR / EPR 14.13% to 21.55%)
  • 5% rebate on yearly interest/profit paid for prompt paymaster
  • High disbursement loan / financing amount up to RM150,000*
  • No processing fee / early settlement fee
*Loan / Financing amount of RM150,000 for existing bank customer only.

Employment Type Financing Amount Profit Rate per annum Effective Profit Rate for 60 months
Self-Employed / Commission Earners RM2,000 to RM100,000 11.99% 20.30%
Salaried Employees RM2,000 to RM20,000 9.99% 17.26%
RM21,000 to RM50,000 8.50% 14.92%
RM51,000 to RM150,000 8.00% 14.13%


Type of Employment Salaried Employees Self-Employed/ Commission Earners
Financing Amount
(RM)
Monthly Payment (RM) Monthly Payment (RM)
1 Year 2 Year 3 Year 4 Year 5 Year 1 Year 2 Year 3 Year 4 Year 5 Year
5,000 458 250 181 146 125 467 258 189 154 133
10,000 917 500 361 292 250 933 517 378 308 267
20,000 1,833 1,000 722 583 500 1,867 1,033 755 617 533
50.000 4,521 2,438 1,743 1,396 1,188 4,666 2,583 1,888 1,541 1,333
80,000 7,200 3,867 2,756 2,200 1,867 7,466 4,133 3,022 2,466 2,133
100,000 9,000 4,833 3,444 2,750 2,333 9,333 5,166 3,777 3,083 2,666
150,000 13,500 7,250 5,167 4,125 3,500 13,999 7,749 5,665 4,624 3,999

1-time Stamp Duty 0.5% of total loan / financing amount.
Early Settlement Charge No early settlement charge, however 1-month advanced written notification is required.
Late Payment Charge 1% per annum on outstanding installment/payment.

  1. What is AmMoneyLine/ AmMoneyLine Facility-i?
    • AmMoneyLine / AmMoneyLine Facility-i is an unsecured Personal Loan/Financing product which requires NO collaterals or guarantors.

  2. What is the benefit of signing up for AmMoneyLine / AmMoneyLine Facility-i?
    • You will enjoy 5% rebate on yearly interest / profit paid if you promptly settle your monthly installment / payment before or on the payment due date for a 12-month cycle.

  3. Is there any handling fee or advance payment deduction from the loan / financing amount approved?
    • No

  4. What are the interest / profit rates?
    • Interest / profit rate is depending on your Employment Type and Financing Amount. It ranges from 8.0% to 11.99% per annum. (EIR:14.13% to 21.55%)

  5. Who is eligible to apply for the AmMoneyLine / AmMoneyLine Facility-i?
    • Malaysians
    • Gross Monthly Income of RM5,000 for New-to-Bank customers, and RM3,000 for Existing-to-Bank customers.
    • Age from 21 to 60 years old (at maturity). Eg: If the applicant is 56 years old, he/she can only apply for a loan/financing tenure of not more than 4 years.

  6. What are the minimum and maximum loan / financing amount and tenure offered?
      Loan / Financing Amount Loan / Financing Tenure
    Minimum RM2,000 12 months
    Maximum
    • RM100,000 (For New-to-Bank customers)
    • RM150,000 (For Existing-to-Bank customers)
    60 months
    Note: The application is subjected to credit assessment and approval

  7. Will I be notified of the AmMoneyLine / AmMoneyLine Facility-I’s application status?
    • Yes. You will be notified via SMS on the status.

  8. If my AmMoneyLine / AmMoneyLine Facility-i’s application is approved, where will the fund be credited?
    • The fund will be deposited to your individual AmBank/AmBank Islamic Current/Savings Account, or directly disbursed to other Banks’ loan / financing accounts if you opted for Debt Consolidation Plan.

  9. How do I pay the monthly installments?
    • By direct debit standing instruction from AmBank/AmBank Islamic Current / Savings Account.
    • By using fund transfer via online banking or GIRO.
    • By cash at any AmBank/AmBank Islamic branch nationwide.
    • By cash through Cash Deposit Machine (CDM) or Automated Teller Machine (ATM)
 

AmMoneyLine

AmMoneyLine Facility-i

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