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myloancredits.com

Personal Loan

One flexible loan for whatever life brings — with the total cost shown before you sign.

RM1,000 – RM100,0006 – 60 monthsFrom 3.88% p.a.0.5% on-time cashback
Debt consolidation

Debt consolidation

Juggling several cards and instalments? Combine them into one loan with one fixed monthly payment and one clear payoff date. Many customers lower their total monthly commitment while finally seeing the finish line.

Home renovation

Home renovation

From a leaking roof to a brand-new kitchen — renovate when it's needed, not when savings allow. Spread the cost over up to 60 months so your home upgrade doesn't upset your monthly budget.

Emergency expenses

Emergency expenses

Medical bills, urgent car repairs, family needs — life doesn't wait. With same-day callbacks and funds in as fast as 24 hours, you can handle the unexpected without touching your savings.

Big purchases

Big purchases

A new motorbike for the daily commute, a laptop for work, or a family milestone. Finance the things that move your life forward at a rate agreed up front — with no early settlement penalty.

What repayments look like

Examples at our maximum 12% p.a. — your confirmed rate is often lower (from 3.88% p.a.) depending on your profile.

AmountTermMonthlyTotal payable
RM5,00012 monthsRM444.24RM5,330.88
RM10,00024 monthsRM470.73RM11,297.52
RM20,00036 monthsRM664.29RM23,914.44

Can I apply?

If you tick these boxes, you're good to go:

  • Malaysian citizen or PR, aged 21–60
  • Regular monthly income of RM1,500 or more
  • Salaried or self-employed welcome
  • NRIC + latest 3 months payslips or bank statements

Fees & fine print, in plain language

The stuff other lenders bury in page 7 — up front, where it belongs.

What you pay

Interest at your confirmed rate (3.88%–12% p.a., reducing balance) plus government stamp duty on the agreement. Both are itemised in your offer letter before you sign — the total payable is printed in black and white.

Early settlement: free

Settle any time and stop paying interest from that day. No penalty, no 'admin fee', no lock-in period. Interest is only charged for the time you actually borrow.

If you're late

Late charges are capped as set out in your agreement, and a late payment can be reported to credit agencies. Talk to us before a due date you can't make — a rescheduled plan beats a late mark.

Try your own numbers

RM20,000
RM1,000RM100,000
36 months
6 months60 months

Estimated monthly repayment

RM626.73

Estimated rate
8% p.a.
Total interest
RM2,562.18
Total payable
RM22,562.18
Apply for RM20,000

Estimate only, using a reducing-balance rate matched to your chosen profile. Your confirmed rate (3.88%–12% p.a.) and repayment are shown in writing before you sign. No early settlement penalty.

See your rate — it takes 3 minutes.

No obligation, and applying won't affect your credit score.

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Applying won't affect your credit score.

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