Two ways you can apply for personal loans in Malaysia: offline and online. On offline channels, you can walk into the bank's branch of choice, speak to a loan officer, fill up the application form, present your documents and submit. Other way is by calling up the bank's customer service contact center. This way, it gives you a more personalised service, although the downside is, you may not have the flexibility of time and money. On online channels, you can compare and apply for personal loans conveniently. You can also use some of the tools to find out your credit score, calculate loan affordability, download statements and many more, all at your fingertips.