{"id":46748,"date":"2021-02-08T17:24:09","date_gmt":"2021-02-08T09:24:09","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=46748"},"modified":"2024-05-30T11:50:10","modified_gmt":"2024-05-30T03:50:10","slug":"cimb-cash-plus-personal-loan-review","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/cimb-cash-plus-personal-loan-review","title":{"rendered":"An Unbiased Review: CIMB Cash Plus Personal Loan"},"content":{"rendered":"<p><center><iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/ukrL54NeVeo?si=0jpnNpvBQpwSPewC\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/center><\/p>\n<p><a href=\"https:\/\/www.imoney.my\/personal-loan\/cimb\/cash-plus-personal-loan\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">CIMB Cash Plus Personal Loan<\/a> is an attractive option for those looking for a financing solution that doesn\u2019t require a guarantor or collateral. You don\u2019t need a high income (or prove that you\u2019ve been working at your company for a long time) to qualify for this loan, either.<\/p>\n<p>It has a fast loan approval of within one working day &#8211; one of the speediest processing duration on the market &#8211; making this a good choice if you need to cover an emergency.<\/p>\n<p>However, while this plan offers competitive interest rates, it doesn\u2019t offer the lowest rates on the market.<\/p>\n<div class=\"block\"><div> Best for: CIMB Cash Plus Personal Loan can be a good option for those looking for fast approval, zero fees and relatively low eligibility requirements. <\/div><\/div>\n<h2><span class=\"ez-toc-section\" id=\"CIMB-Cash-Plus-Personal-Loan-key-features\"><\/span>CIMB Cash Plus Personal Loan key features<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table id=\"tablepress-1553\" class=\"tablepress tablepress-id-1553 table-subhead-side\">\n<tbody class=\"row-hover\">\n<tr class=\"row-1 odd\">\n\t<td class=\"column-1\">Interest rate<\/td><td class=\"column-2\">6.88% p.a. - 14.88% p.a.<\/td>\n<\/tr>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Loan amount<\/td><td class=\"column-2\">RM2,000 - RM100,000<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Loan tenure<\/td><td class=\"column-2\">2 - 5 years<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Approval duration<\/td><td class=\"column-2\">Within one working day<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Income requirement<\/td><td class=\"column-2\">RM2,000 monthly gross income<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Age requirement<\/td><td class=\"column-2\">21 - 58; maximum 60 years old upon maturity of loan tenure<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Linked bank account required<\/td><td class=\"column-2\">No<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Insurance<\/td><td class=\"column-2\">Purchase is optional<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1553 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"Rates\"><\/span>Rates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>CIMB Cash Plus offers rates from 6.88% p.a. to 14.88% p.a. The interest rate that you\u2019ll get is subject to the bank\u2019s internal approval criteria.<\/p>\n<p>\n<table id=\"tablepress-1554\" class=\"tablepress tablepress-id-1554\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><strong>Loan Tenure<\/strong><\/th><th class=\"column-2\"><strong>Fixed interest rate<\/strong><\/th><th class=\"column-3\"><strong>Equivalent effective interest rate<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td rowspan=\"6\" class=\"column-1\">2 to 5 Years<\/td><td class=\"column-2\">6.88% p.a.<\/td><td class=\"column-3\">12.31% p.a.<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-2\">7.88% p.a.<\/td><td class=\"column-3\">13.93% p.a.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-2\">9.88% p.a.<\/td><td class=\"column-3\">17.09% p.a.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-2\">10.88% p.a.<\/td><td class=\"column-3\">18.62% p.a.<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-2\">11.88% p.a.<\/td><td class=\"column-3\">20.13% p.a.<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-2\">14.88% p.a.<\/td><td class=\"column-3\">24.51% p.a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1554 from cache --><br \/>\nCIMB\u2019s rates are fairly competitive, but it doesn\u2019t offer the best interest rates on the market &#8211; other personal financing plans offer lower interest rates starting at 3.9%. However, these plans typically have stricter eligibility requirements. They may only be available for civil servants, or they may require applicants to be employed in the same company for at least two years. On the other hand, CIMB Cash Plus has more relaxed requirements.<\/p>\n<p>The tiered interest rates are subject to the bank\u2019s (undisclosed) approving criteria. When we reached out, CIMB said that the rates are not affected by your credit score. However, you\u2019ll still need to meet an (undisclosed) credit score and debt service ratio requirement to get approved for this loan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fees\"><\/span>Fees<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>CIMB Cash Plus does not have any processing fees, early settlement fees or stamp duty. This means that with this plan, you\u2019ll receive 100% of the loan disbursement. By contrast, other financing plans typically have a 0.5% stamp duty or other processing fees that will be deducted from your loan amount.<\/p>\n<p>However, like most personal financing plans on the market, it imposes a late payment penalty of 1% of your outstanding payment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"We-like\"><\/span>We like<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Fast approval.<\/strong> CIMB Cash Plus has a fast approval duration of within the next working day.<\/li>\n<li><strong>Up to 8x monthly salary.<\/strong> You can borrow up to 8x your monthly salary. This isn\u2019t the highest multiplier in the market. For example, the <a href=\"https:\/\/www.imoney.my\/personal-loan\/bsn\/bsn-aflah-executive-1-personal-financing-i\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">BSN MyRinggit-i EKSEKUTIF-1 Personal Financin<\/a>g may lend you up to 10x your monthly salary. However, many other personal loans may only lend you up to 5x only.<\/li>\n<li><strong>No fees.<\/strong> There are no processing fees, early settlement fees or stamp duty.<\/li>\n<li><strong>No guarantor or collateral.<\/strong> Like most personal loan or financing products out there, you don\u2019t need a guarantor or collateral to quality for CIMB Cash Plus.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Things-to-consider\"><\/span>Things to consider<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Does not have the lowest interest rates.<\/strong> CIMB Cash Plus offers competitive rates starting at 6.88%, but does not offer the best rates on the market.<\/li>\n<li><strong>Limited tenure.<\/strong> CIMB Cash Plus offers tenures of two to five years &#8211; other personal loans may offer tenures of up to 10 years. This gives you less flexibility if you want to pay off the loan quickly to save on interest payments, or if you need to stretch it out over many years.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How-to-qualify-for-CIMB-Cash-Plus-Personal-Loan\"><\/span>How to qualify for CIMB Cash Plus Personal Loan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To qualify for this loan, you must meet these requirements:<\/p>\n<ul>\n<li>21 to 58 years old (maximum 60 years old upon maturity of loan tenure)<\/li>\n<li>Malaysian citizen<\/li>\n<li>Minimum monthly gross income of RM2,000<\/li>\n<li>Employed for more than six consecutive months<\/li>\n<li>For self-employed, business must be active for more than 24 months<\/li>\n<\/ul>\n<p>You must also provide these documents:<\/p>\n<p>\n<table id=\"tablepress-1555\" class=\"tablepress tablepress-id-1555\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Employee<\/th><th class=\"column-2\">Fixed income earner<\/th><th class=\"column-3\">Variable income earner<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Multinational company, public listed company or government-linked company<\/td><td class=\"column-2\">Latest payslip <strong>OR <\/strong>latest EPF statement with minimum six months\u2019 contribution<\/td><td class=\"column-3\">Latest three months\u2019 payslips <strong>OR <\/strong>latest EPF statement with minimum six months\u2019 contribution<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Others<\/td><td colspan=\"2\" class=\"column-2\">Latest three months\u2019 payslip <strong>AND <\/strong>latest three months\u2019 salary crediting bank statement <strong>OR <\/strong>latest EPF statement with minimum six months contribution<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1555 from cache --><br \/>\n\n<table id=\"tablepress-1557\" class=\"tablepress tablepress-id-1557\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Self employed<\/th><th class=\"column-2\">Documents<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Sole proprietor, partnership or Sdn Bhd<\/td><td class=\"column-2\">Minimum latest six months\u2019 company bank statement <strong>AND <\/strong>Business Registration Document<br \/>\n<br \/>\n<strong>OR<\/strong><br \/>\n<br \/>\na) Latest Form B AND LHDN payment receipt <br \/>\n<br \/>\n<strong>OR<\/strong><br \/>\n<br \/>\nb) Latest e-Form B AND e-filing acknowledgement receipt<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-1557 from cache --><br \/>\nCIMB Cash Plus\u2019 eligibility requirements are relatively low, especially considering its maximum financing amount of 8x your monthly salary. Other competitors who offer financing upwards of 7x monthly salary typically require a minimum of RM3,000 to RM5,000 monthly salary. However, your final approved amount will still be subject to CIMB\u2019s approval criteria.<\/p>\n<p>If you don\u2019t meet CIMB\u2019s salary requirements, there are other plans that accept applicants with monthly incomes starting at RM1,500. Just check out our <a href=\"https:\/\/www.imoney.my\/personal-loan\" target=\"_blank\" rel=\"dofollow noopener noreferrer\">personal loan calculator<\/a> to find the right plan.<\/p>\n<div class=\"product \"><div class=\"product__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.imoney.my\/img\/p\/1\/1\/2\/112.jpg\" alt=\"CIMB Bank Cash Plus Personal Loan\"><\/div><div class=\"product__description\"><h4><a data-position=\"mid_1_text_cc_product\" href=\"https:\/\/www.imoney.my\/personal-loan\/cimb\/cash-plus-personal-loan?src=internal_article_cimb-cash-plus-personal-loan-review\" target=\"_blank\">CIMB Bank Cash Plus Personal Loan<\/a><\/h4><p>Get approved within 24 hours<\/p><em>Competitive interest rates starting from 6.88% p.a.<\/em><\/div><div class=\"product__cta\"><a data-position=\"mid_1_text_cc_product\" href=\"https:\/\/www.imoney.my\/personal-loan\/cimb\/cash-plus-personal-loan?src=internal_article_cimb-cash-plus-personal-loan-review\" target=\"_blank\" class=\"btn btn-lg btn-apply\">Apply Now<\/a><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>A good option for those looking for fast approval, zero fees and relatively low eligibility requirements.<\/p>\n","protected":false},"author":1,"featured_media":46767,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[348,665,667,668,666],"class_list":["post-46748","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan","tag-cimb","tag-cimb-cash-plus-personal-loan","tag-personal-loan","tag-personal-loan-review","tag-review"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>iMoney\u2019s Review Of CIMB Cash Plus Personal Loan<\/title>\n<meta name=\"description\" content=\"This personal loan can be a good option for those looking for fast approval, zero fees and relatively low eligibility requirements. 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