Personal loan has become common among people who needs quick cash, whether to settle credit card debts or any other reasons such as home renovation, vacation or anything else.

I would say sometimes its wise to sought personal loan to settle the credit card debt, as the interest of personal loan is usually much lower that the credit card interest rate (example 18% p.a.); whilst personal loan can be a low as 6.xx% p.a. over maximum of 9 years of repayment period (subject to bank)
The objective of this article is to share with you some of the cheap personal loan that available during the time of writing. 

Al Rajhi Bank –  Personal Financing-i @ 7.25%
– Repayment up to 5 years
– High financing limit up to 5 times your monthly salary
Bank Rakyat – Personal Financing-i 1ASLAH as low as @ 3.25%
Maximum repayment tenure is 20 years
– Financing of up to RM200,000.00* (T&C apply) or monthly deductions not exceeding 60% of gross 
  monthly income
Bank Islam – Personal Financing-i as low as @ 3.25%
– Maximum repayment tenure is 15 years
– Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of 

Please refer to the respective banks for details and information as well as eligibility. There are also other banks offering personal loan such as RHB, RHB Easy, HSBC, Standard Chartered, Kuwait Finance House (KFH), Citibank. Do you own research the best suit you such as repayment tenure, channels of payment, location and etc.