Skip to main content

Nothing to pay before your loan is disbursedVerify a contact

MyOneCredit

Personal loan Malaysia: 4.88% flat, KPKT licensed

If your documents are complete, you can apply. Here's what applies to each type of work.

How a personal loan from us works

  1. 1You borrow a fixed amount and repay it in equal monthly instalments over a tenure you choose, from 12 to 84 months.
  2. 2Interest is a flat 4.88% a year, so your instalment never changes during the loan.
  3. 3Before you commit, you receive a written offer listing the amount, tenure, rate and every fee.
  4. 4A Commissioner for Oaths or other authorised attestor attests the agreement and explains its terms to you before you sign.

What decides how much you can borrow

  • Your income

    Your payslips or income statements show what you can repay each month.

  • Your existing commitments

    Other loans, credit cards and regular bills reduce the instalment you can comfortably afford.

  • Your credit record

    With your consent we check your credit report to see how past repayments went.

  • Complete documents

    Clear, complete documents let us assess your application without going back and forth.

It may suit you if

  • You need a fixed amount for a clear purpose.
  • You want the same instalment every month so you can plan around it.
  • You have worked out that the instalment fits your monthly budget.

Think twice if

  • You would need to borrow again to pay the instalments.
  • Your income is about to change and you are unsure you can keep up.
  • The money is for gambling, speculation or to lend to someone else.

What people borrow for

Guides for the most common reasons people borrow.

Verify a contactChat on WhatsApp