No. The iMoney Pre-Screening tool does not perform a hard credit inquiry and does not access your CCRIS or CTOS report during the initial eligibility check. It uses the income, age, employment type, and commitment details you enter to calculate estimated eligibility against each lender’s published criteria. Only when you proceed to a formal loan application with a specific bank will a CCRIS/CTOS inquiry be triggered, which may affect your credit score.

DSR stands for Debt Service Ratio. It measures your total monthly loan commitments as a percentage of your net monthly income. Malaysian banks typically require your DSR to stay below 60% to approve a personal loan, although the exact limit varies by lender and income level. For example, if your net income is RM 4,000 per month and your existing commitments total RM 1,500, your current DSR is 37.5%. The iMoney eligibility calculator uses your income and existing commitments to estimate how much additional loan you can take on while staying within standard DSR limits.

iMoney compares your income, age, employment type, and existing financial commitments against the eligibility criteria of all the various panel lenders in real time. Lenders are grouped into four categories: banks, KPKT (government housing), advisory partners, and P2P platforms. The tool flags which lenders you are likely eligible for and explains why others are unavailable to you (for example, minimum income bracket or employment type restrictions). Once you select a lender and submit your application, iMoney forwards your details directly to that lender.

Yes. The iMoney Pre-Screening service is completely free. iMoney does not charge applicants any fees for using the eligibility calculator, submitting an application, or receiving lender matches. iMoney earns revenue from its bank and lender partners when a successful application is made, not from users. You will also not be charged any deposit or processing fee, if anyone requests payment to process your application, it is not iMoney and may be a scam.

The sample eligibility calculator requires no documents. You only need to enter your gross monthly income, age, existing monthly commitments, and employment type to see estimated results. If you proceed to a full application through iMoney, you will typically need to provide a copy of your MyKad (identity card), the most recent 3 months of salary slips or EPF statement, and your latest CCRIS or CTOS report. Exact document requirements vary by lender.

Yes. The iMoney eligibility calculator includes Freelance / Part-time as a selectable employment type. Freelancers may find fewer lenders willing to offer standard personal loans, as most banks require consistent monthly salary evidence. However, certain panel lenders and P2P platforms on iMoney do cater to variable-income earners. After completing the pre-screening, the tool will show which specific lenders match your employment profile and income level.

The minimum salary requirement varies by lender. Most banks on the iMoney panel require a minimum gross monthly income of RM 2,000 to RM 3,000. Some government-backed financing schemes via KPKT have different income thresholds. The iMoney eligibility calculator applies each lender’s specific minimum income criteria when displaying matched results, so you will only see lenders that your declared income qualifies for. Use the income slider in the tool to see how different income levels affect your eligible options.

The initial sample eligibility check takes approximately 60 seconds. You adjust the calculator inputs and receive an instant result showing matched lenders, estimated loan amounts, and monthly instalments. If you proceed to a full application, iMoney’s Customer Care Associates aim to contact you within 24 hours (1 business day) to verify your details and assist with the application. Final approval timelines are set by individual lenders and typically range from 1 to 5 working days for personal loans.

As part of iMoney’s 2026 Anniversary campaign, eligible users who complete the pre-screening process can unlock instant rewards of up to RM 300. This includes an Instant Spin reward and a Grand Prize Draw entry. The exact reward amount and mechanics are governed by iMoney’s campaign terms and conditions. Reward eligibility typically requires completing the pre-screening form and submitting a loan application through the iMoney platform. Rewards are not applicable to the sample calculator step alone.

If no lenders match your current profile, the iMoney tool will explain the specific reasons (for example, income below the minimum threshold, or employment type not supported by available lenders). The iMoney chatbot will then suggest alternative options, which may include lenders with lower income requirements, different loan products such as secured loans, or steps to improve your eligibility such as reducing existing commitments to lower your DSR. iMoney does not reject your application, it reroutes you to the best available alternative.