Personal financing
Plan your needs with clear information
Personal financing options for salaried employees or self-employed individuals who live or work in Kuala Lumpur and Selangor.
Every application is subject to assessment, approval and company terms. Approval is not guaranteed.
Repayment term
6 to 60 months
Interest rate
12%–18% per annum
Term
6–60 months
Service area
KL & Selangor
Agreement signing
At the operating address
Understand the product
What is personal financing?
Personal financing is a financing facility for individual needs such as essential expenses, managing commitments or reasonable family needs.
Before making a decision, applicants should understand the financing amount, interest rate, repayment term, related charges and total repayment amount.
Financing should be selected based on repayment ability, not merely the maximum amount available.
Type
Personal Financing
Suitable for
Salaried & self-employed applicants
Location
Taman Maluri, Kuala Lumpur
Kaedah kadar
Diterangkan sebelum perjanjian
Results
Subject to assessment
Who may be suitable
For applicants with verifiable income
The review is made based on the circumstances of each applicant and the documents presented .
01
Salaried employees
Individuals with a stable income who can provide employment documents.
02
Self-employed individuals
Applicants who have an active income stream and relevant records.
03
KL & Selangor residents
Individuals who reside or work within the current service area.
Kelayakan asas
Check before making an enquiry
Malaysian citizen
Aged between 21 and 55
Lives or works in Kuala Lumpur or Selangor
Has stable or verifiable income
Has been employed or self-employed for at least three months
Prepared to submit the required supporting documents
Meeting the basic criteria does not guarantee approval. This information is for initial assessment only.
Basic documents
Documents that may be required
Identification
A copy of identification for identity verification.
Proof of address
Documents relating to your current address, if required.
Proof of income
Payslips or relevant income records.
Employment records
Verifiable employer or self-employment information.
The actual list depends on the applicant profile. Do not send sensitive documents to numbers or accounts that are not listed as official channels.
Kalkulator pembiayaan
Estimate your monthly commitment
Use this estimate to assess affordability before making an enquiry. The calculator uses a fixed rate of 18% per annum and the flat-rate method.
Calculation example
Compare different terms
The example below uses RM20,000 at a flat interest rate of 18% per annum.
TEMPOH | JUMLAH FAEDAH | JUMLAH BAYAR BALIK | ANGGARAN BULANAN |
|---|---|---|---|
12 Bulan | RM3,600 | RM23,600 | RM1,966.67 |
24 Bulan | RM7,200 | RM27,200 | RM1,133.33 |
36 Bulan | RM10,800 | RM30,800 | RM855.56 |
60 Bulan | RM18,000 | RM38,000 | RM633.33 |
A longer term may reduce the monthly payment but increase total interest.
Application process
Four steps before making a decision
Find out what will happen at each stage before proceeding with the application.
1
Initial assessment
Check the service area, age, employment and income source.
2
Send inquiry
Provide basic information through the form or official channels.
3
Document review
Our representative explains and reviews the required documents.
4
Agreement explanation
Understand the rates, charges and repayment amount before signing.
Important information