A personal financing package for everyone. A choice to tailor your financing scheme to meet your needs.
  • ExeCash-i Standard package is an Islamic Personal Term Financing under the Shariah principle of Commodity Murabahah as approved by Shariah Advisory Council of Bank Negara Malaysia
  • Under Commodity Murabahah concept, it is based on the principle of Murabahah (cost plus profit), the Bank provides financing to customer via trading of identified Shariah-compliant commodities such as Crude Palm Oil and RBD Palm Olein
  • Term financing monthly rest under Islamic Commodity Murabahah concept
  • Minimum financing amount of RM3,000 and up to RM50,000 or up to 10 times monthly basic salary (inclusive of fixed allowance) whichever is lower
  • Financing tenure:
    • Minimum: 2 years
    • Maximum: 5 years
  • Margin of Payment:
    • DSR up to 80% for financing
    • All other financing / loan commitments including this application should be taken into consideration
  • No Collateral
  • Profit Rate:

Payment Mode

Financing Rate

Salary Deduction*

1st year at 8.88% p.a.

Thereafter at 12.00% p.a.

Variable Standing Instruction (VSI)

1st year at 8.88% p.a.

Thereafter at 13.88% p.a.

i) *Salary Deduction means the company will deduct customer’s salary at source.

ii) The profit rate applicable for Professional is 1st year at 8.88% p.a. and Thereafter at 13.88% p.a.

  • Mode of Payment:
    • By salary deduction at source
    • By Variable Standing Instruction (VSI)
    • Others; i.e. cash, cheque only for financing amount of less than RM10,000
  • Etiqa Takaful Coverage (Death and Disability)
  • Guarantor:
    • Compulsory if financing amount exceeds 5 times customer’s salary
    • Cross guarantee is not allowed
    • Criteria
  • Must be a fixed income earner
  • Monthly salary at least equal to applicant
Purpose of Financing
  • Debt Consolidation
  • Emergency Needs
  • Educational
  • Home Improvement
  • Medical
  • Others
  • Individual and single applicant only
  • Age 18 to 50 years old
  • A Malaysian citizen
  • Minimum fixed salary of RM1,000
    (inclusive of fixed allowance)
  • Must be the Bank's APS/MAS** customer
  • Confirmed employee with continuous employment for at least 2 years in the same company
    (Not applicable for Professionals)
  • Must possess Professional Certificate and registered with the relevant bodies
    (For Professional applicant only)

Note: **
i) APS – Automated Payroll System
ii) MAS – Maybank Autocredit System

Processing Fee – Not Applicable


For application, please visit any Maybank Islamic or Maybank branches and bring along the following documents:

  • Latest 3 months' original pay-slips
  • Latest 2 years' income tax J form or EA form
  • Confirmation letter from employer confirming current position held, salary and length of service
  • A copy of professional certificate (for professional)
  • A copy of registration with association (for professional)

For Guarantor(s)

  • Same as above

*Terms and conditions apply.