Get cash online now with fast approval!

Touch 'n Go, in collaboration with CIMB Bank offers personal loan application via online for you as one of our valued Touch 'n Go customers.
Fast Approval. Easy application process. Loan up to RM100K

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*Terms and Conditions apply.

Features & Benefits

100% Disbursement

No additional charges imposed to the loan amount.

Flexible tenure

Flexible payment period of up to 5 years*.

Loan amount

Loan Amount offered from minimum RM2,000 to maximum of RM100,000.

Paperless application

Simple application process, with no paper documentation required.

How to apply?

1

Fill up the eForm

Fill up the online application form with just a few easy steps.

2

Upload IC

Take a photo of the front and back of your IC, with your signature and upload it on the eForm.

3

Receive call from CIMB Call Centre

Upon approved application via online, CIMB Consumer Call Centre will reach out to the loan applicant for full details.

4

Fast Approval & Disbursement

Fast approval and disbursement into applicants' CIMB account.

Eligibility & Requirement

Eligibility

  • Individual applicant only
  • Aged between 21 and 58 years old
  • Minimum income RM2,000 (basic + fixed income only)

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* - Required Fields

e.g.60123456789
e.g.800101041234
".jpg" or ".jpeg" only
".jpg" or ".jpeg" only

FAQs

Minimum - 21 yrs old , Maximum - 58yrs old
*Loan tenure from 2 - 5yrs

CPL is calculated based on the fixed rate, daily rest and reducing balance method (EIR), refer to rate table for details:

Employment Type

Loan Amount (RM)

EIR (p.a)

Equivalent to flat rate (p.a)

Salaried

50k- 100k

14.50%

8.20%

20k- < 50k

18.62%

10.88%

2k - <20k

24%

14.66%

Self Employed

2k-100k

24%

14.66%

Effective interest rate (EIR) is the actual interest payable by customer should the customer stay with us throughout the financing period or tenure. Since CPL rate is fixed rate on reducing balance daily rest, the method of interest calculation is done on daily basis and in the event customer would like to settle the said financing, it will stop calculating the interest on the day of customer making the settlement.

Flat rate under Rule 78, the interest portion is weighted higher at the earlier repayment period as compared to principal portion. In cases of early settlement, this method apparently has no benefit to the customer since customer may end up paying more interest portion rather than the principal generally.

Processing fees
No
Stamp duty
No
Insurance
No
Late payment charge
1% p.a on the total amount in arrears from the due date to the date of full repayment will be charged

Means : if loan approved RM 10k, customer will get full amount of RM 10k as no additional fee will be deducted from the approved amount.

There is no early settlement fee or lock in period for CPL, in the event of customer wishes to early settle the facility

Customer can apply up to maximum 8x of monthly gross income (or max product limit of RM100k, whichever is lower), but subject to the overall debt commitments & credit assessment.

1st of the following month if disbursed by every 15th of the month. The 1st bill drop date for disbursement after 15th of the month shall be the 1st of next month.

e.g. Disbursed on 1 - 15th October - due on 1st November
  Disbursed on 16th -30th October - due on 1st December

No, the yearly statement will be send annually to customer via post

Please refer to the below income requirement matrix for details:

Company Profile

Income Documents
(either one and base on priority)

Salaried - Income Requirement

Fixed Income Earner (Basic only)

Variable Income Earner

1.Multi National Company

2.Public Listed Company


3.Government Link Company

1. Payslip

Minimum latest 1 month payslip

Minimum latest 3 months payslip

2. CIMB Payroll Account

Minimum latest 3 months CIMB bank statement:
a) AUTOPAYCR OR
b) CREDIT ADVICE transaction OR
c) Transfer from Co Name

Minimum latest 3 months CIMB bank statement:
a) AUTOPAYCR OR
b) CREDIT ADVICE transaction OR
c) Transfer from Co Name

3. EPF Statement

Minimum latest 6 months EPF record

Minimum latest 6 months EPF record

4. Form BE with Tax Receipt

Latest Form BE AND
a) LHDN payment receipt OR
b) e-filing acknowledgement receipt

Latest Form BE AND
a) LHDN payment receipt OR
b) e-filing acknowledgement receipt

5. EA Form

Latest EA form

Latest EA form

Others

1. Payslip

Minimum latest 1 month payslip AND
a. Latest EPF statement
OR
b. Latest Salary crediting bank statement

Minimum latest 3 months payslip AND
a. Latest EPF statement with minimum 3 months record
OR
b. Latest 3 months Salary crediting bank statement

2. CIMB Payroll Account

Minimum latest 3 months CIMB bank statement:
a) AUTOPAYCR OR
b) CREDIT ADVICE transaction OR
c) Transfer from Co Name

Minimum latest 3 months CIMB bank statement:
a) AUTOPAYCR OR
b) CREDIT ADVICE transaction OR
c) Transfer from Co Name

3. EPF Statement

Minimum latest 6 months EPF record

Minimum latest 6 months EPF record

4. Form BE with Tax Receipt

Latest Form BE AND
a) LHDN payment receipt OR
b) e-filing acknowledgement receipt

Latest Form BE AND
a) LHDN payment receipt OR
b) e-filing acknowledgement receipt

Notification will be sent via SMS upon approval and disbursement notice & post PDS will be sent via post upon disbursement.

The loan will be disbursed into customer's existing CIMB CASA account instantly if the account met the requirements e.g. single account, active status.

However, if customer is not an existing CASA customer, he/she is required to open the CASA account upon approval for disbursement purpose.

Other Information

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