Personal Financing-i

Life is never predictable, and there are times when we all need some extra cash for those rainy days. AmBank Islamic's Personal Financing-i is an excellent way of financing a planned or unplanned event to tide you over, with competitive profits rates available in the market. It is fully complying with Shariah requirements based on the concept of Murabahah Tawarruq (MTQ). It has been designed specifically for your needs​


  • High Payout up to 99.5% with competitive pricing 
  • No advance installments required 
  • Up to 3 Months Deferment Period 
  • No Guarantor & Collateral Required 
  • No Monthly Membership Fee 
  • Rebate on Early Settlement 
  • Takaful Coverage (optional) 
  • Non-Force Product Bundling (Hibah/Wasiat) 
  • Salary Crediting Account Remains
  • Waived Wakil & Trading Fees

Payment Method

  • Biro Perkhidmatan Angkasa (BPA): Salary deduction via BPA payroll unit
  • Private Sector: 
    • ​Auto Debit / Standing Instruction via AmBank Islamic Current / Savings account-i 
    • ​Autopay via AmBank@Work payroll solution 
    • ​​​Via HR Direct Salary Dedution

Profit Rate

Biro Perkhidmatan Angkasa (BPA)

  • As ​lowAs low as 3.88% flat rate per annum (effective profitrate as low as 6.91% per annum) effective from 01 April 2021.
  • Click here​ for the application form
  • Click here for Product Disclosure Sheet

Private Sector

  • Profit rate of 7.90% per annum (effective profit rate as low as 12.98% per annum) effective from 15 June 2020.
    This offer is exclusively for employees of selected private and government-linked companies. Click here for list of companies.
  • Click here​ for Product Disclosure Sheet