Personal Loan Malaysia with
Full Support Case Manager
In 5 minutes, our AI scans thousands of loan options from licensed lenders to find the best match for you.
A dedicated expert reviews your AI match to ensure every detail is correct and answers your questions.
Finalize your loan with transparent terms and a guided process.
After drawdown, your dedicated Case Manager helps you manage payments and looks for new offers.
Our Personal Loans are designed to serve Malaysians from all walks of life. Whether you are a civil servant, a private employee, or someone who has struggled with credit before, our Hybrid AI + Human approach ensures you are matched with the most suitable lender safely, quickly, and with long-term financial health in mind.
Many Malaysian banks and financial institutions provide exclusive personal loan packages for government employees, offering lower rates and longer repayment periods. With our platform, you can easily compare these options and choose what suits your budget best.
Traditional banks sometimes reject lower-income applicants. Our AI helps you find licensed lenders who accept monthly incomes starting at RM1,500, so you still have access to fair financing. Our Case Managers then guide you to borrow within your means.
If you are working in the private sector, you may need loans for education, home renovation, or emergency expenses. We help you compare multiple lenders instantly, so you don't waste time applying one by one.
Freelancers, small business owners, and gig workers often face difficulties proving steady income. Our hybrid system combines AI-matching with human review, ensuring that even non-traditional income sources (like Grab drivers, online sellers, small traders) are considered fairly.
Having a few late payments in the past doesn't mean you don't deserve another chance. Our AI identifies lenders who are more flexible with risk, while our Case Managers provide advice to help you improve your repayment record and rebuild your credit health.
Many Malaysians Muslim and non-Muslim alike prefer Shariah-compliant loans for their fairness and transparency. We match you with licensed Islamic banks offering personal financing that avoids riba (interest) and hidden charges, so you can borrow with confidence.
Finding the right personal loan in Malaysia can be overwhelming. Between banks, co-ops, and fintech lenders, how do you know which 'pinjaman peribadi' is best for you? This guide will help you understand the essentials.
A personal loan (pinjaman peribadi) is a lump-sum amount of money borrowed from a bank, fintech or credit co-op that is repaid in fixed monthly payments over a set period of time.
Personal loans are typically used for:
Interest Rate (Conventional)
Profit Rate (Islamic)
The interest rate is the percentage charged on the loan amount. Conventional rates are calculated on the remaining balance, while flat rates apply to the full amount throughout the loan term, making conventional rates typically more cost-effective in many cases.
Tenure
This is the cost of borrowing. It can be a "flat rate" (calculated on the original principal) or "reducing balance" (calculated on the remaining amount you owe). Always look at the Effective Interest Rate (EIR) to see the true cost.
Debt Service Ratio (DSR)
Profit Rate (Islamic)
This is a key calculation all lenders use. It's your total monthly debt commitments (including the new loan) divided by your net monthly income. Most banks in Malaysia look for a DSR below 60-70%.
Interest Rate (Conventional)
The interest rate is the percentage charged on the loan amount. Conventional rates are calculated on the remaining balance, while flat rates apply to the full amount throughout the loan term, making conventional rates typically more cost-effective in many cases.
Tenure
This is the cost of borrowing. It can be a "flat rate" (calculated on the original principal) or "reducing balance" (calculated on the remaining amount you owe). Always look at the Effective Interest Rate (EIR) to see the true cost.
Debt Service Ratio (DSR)
This is a key calculation all lenders use. It's your total monthly debt commitments (including the new loan) divided by your net monthly income. Most banks in Malaysia look for a DSR below 60-70%.
Being prepared is the key to fast approval. While it varies by lender, you will almost always need:
A clear copy of your NRIC (MyKad).
Don't just look at the advertised interest rate. Ask these questions:
What is the EIR?
Are there hidden fees?
Is the lender licensed?
Finding the best loan for your unique situation (like being self-employed or having a lower credit score) can be difficult. This is why our Hybrid AI+Human model was designed. Our AI finds the best matches, but our human experts ensure that good applicants aren't unfairly rejected by a simple algorithm.
We partner with a broad network of trusted financial institutions in Malaysia, ensuring that you have real choices to compare
offering conventional personal loans with competitive interest rates.
providing Shariah-compliant personal financing, fair and transparent.
for faster approvals and flexible options, especially for civil servants or lower-income borrowers.
By combining our AI matching engine with human review, we ensure your application only goes to lenders who fit your profile giving you a higher chance of approval with less hassle.
Estimate Your Monthly Commitment
( Note: The calculator provides an estimate. Final repayment terms depend on the lender's approval..)
General requirements for debt consolidation in Malaysia
Age:
Income:
Employment:
Documents required:
Getting a personal loan with us is simple and transparent:
Civil servants, private employees, self-employed workers, and gig workers may apply, depending on lender requirements.
A clear copy of your NRIC (MyKad), latest 3–6 months’ salary slips, bank statements showing salary credit, and EPF (KWSP) statement for salaried employees. Self-employed applicants need business registration documents and business bank statements.
Having a low credit score doesn’t automatically disqualify you. Our AI system identifies lenders who are more flexible with credit requirements, and our Case Managers can guide you on improving your credit health over time.
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