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An unsecured BSN personal loan exclusively for executives from multinational, private, or government link companies at competitive interest rates and flexible repayment terms.

Interest Rates

How much the bank charges you based on your loan amount & loan period
RM10,000 - RM25,000 24 to 120 months RM36,000 to RM60,000 8.5% p.a.
RM10,000 - RM70,000 24 to 120 months RM60,000 to RM120,000 7% p.a.
RM10,000 - RM200,000 24 to 120 months min. RM120,000 6% p.a.

Fees & Charges

Interest Rate / APR
As low as 6% p.a., depending on loan amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount


Minimum Annual Income
Minimum Age
  • 21 to 55 years old
Who Can Apply
  • Malaysians
  • BSN Giro/i Account holders
  • Salaried employee
  • Executive
  • Government-Linked Company employee
  • Multi-National Corporation employee
  • Public Listed Company employee
  • GLC employee
  • Professional

More Information

Who can apply for BSN MyRinggit Executive-1 personal loan?

BSN MyRinggit Executive-1 personal loan opens to permanent and contracts employees with minimum 3-years working experience. Any Malaysian citizens aged between 21 to 55 / 60* years (*subjected to employer confirmation) with a minimum gross monthly income of RM3,000 and RM10,000 for permanent and contract staff respectively. This BSN personal loan is offered exclusively to those working in:
  • Statutory Bodies, Government Linked Companies, selected Public Listed Companies in the Main Market Bursa;
  • Professionals (such as, Doctors, Lawyers, Architects and Accountants);
  • Premier Developer Panels, Private Hospitals, Telecommunication Companies, Licensed Financial Institutions, Multinational Companies;
  • PETRONAS Group of Companies; AND
  • Selected Private Universities & Colleges.

How much money can I borrow?

Whatever your personal financing needs may be, BSN Executive-1 personal loan can help part-finance your dreams from a minimum of RM10,000, up to 10x of your gross monthly income, capped at RM200,000, with repayment terms between 2 to 10 years. You can choose to service your monthly installment over a fixed / flat or floating interest rate. If you want to maintain paying the same installment amount every month, a flat interest rate between 6% to 8.5% will be assigned to your loan amount.

Is there an Islamic option for this BSN personal loan?

Absolutely. For borrowers who like to adhere to their religious values, i.e. non-interest based financing, BSN offers a Shariah-compliant Executive-1 facility that follows the concepts of Tawarruq or Commodity Murabahah at competitive profit rates. The profit rates, financing amount and tenures will be similar to its conventional counterpart.

What is my monthly commitment for BSN Executive-1 personal loan?

Your BSN personal loan repayments start one month after you’ve received the money, with the payments that need to be made every month until the total loan amount is repaid. BSN requires you to enroll into its Giro or Giro-i Account and set up a Standing Instruction for this purpose. You can finish paying for your personal loan whenever you want as there is no lock-in period and no penalty for early settlement, just inform BSN by way of a written notice.

What documents do I need to prepare for this BSN personal loan application?

You will need the following documents for your BSN Executive-1 application:
  • A copy of your NRIC (front and back);
  • A copy of latest 3-months salary slips;
  • Latest EPF statement; AND
  • A Confirmation Letter from your employer with details of your Name, NRIC number, Designation / Status, Monthly Salary, Date of Employment and Date of Retirement.
Alternatively for business owners, latest EA / EC statement and e-Filing form or any relevant documents verified by the Inland Revenue Board (LHDN).

Am I qualified to apply for BSN personal loan if I'm blacklisted?

Depending on your credit history with other financial institutions because all these information (outstanding credit card, personal loan, home loan or car loan debts) will be captured in CCRIS / CTOS (a system that collect credit information on borrowers, not blacklisting them). Assuming you have poor credit standing due to irregular payments, the best course of action would be to break the habit and start making your payments on time to avoid future hurdles. BSN is more likely to approve your personal loan application if you can show that you are managing your personal finances, rather than accumulating more debt.

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Profit rate is: 6% p.a