Attractive Profit Rate as low as 1.5% per month!
Licensed by KPKT (Reg. WL5789/14/01-10/210826)
Quick approvals Get your cash within 6 hours*
Features
Eligibility & Required Documents
Fees and chargesLeave your details and our friendly agents will get back to you!
Use our personal loan calculator to find the best personal loan based on your requirements and eligibility.
Select the best product that fits your requirements from the list of recommended personal loan products listed and click on the Apply button.
Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application.
Emicro i-Financing Program is an unsecured financing facility, which is calculated on a fixed profit rate resulting in fixed instalment payments throughout the financing tenure.
| Financing amount | Profit Rate | Financing Tenure | Selling price |
| RM500-RM10,000 | 1.5% per month | 3 Months to 24 Months |
Financing Amount + Total Profit |
| Financing amount | Processing Fee | Profit rate | ||||
| Instalment tenure | ||||||
| 3 | 6 | 12 | 18 | 24 | ||
|
RM500 |
RM60 | RM171.17 | RM90.83 | - | - | - |
|
RM1,000 |
RM100 | RM343.33 | RM181.67 | RM98.33 | - | - |
|
RM2,000 |
RM120 | - | RM363.33 | RM196.67 | RM141.11 | - |
|
RM3,000 |
RM150 | - | RM545.00 | RM295.00 | RM211.67 | RM170.00 |
|
RM4,000 |
RM160 | - | - | RM393.33 | RM282.22 | RM226.67 |
|
RM5,000 |
RM200 | - | - | RM491.67 | RM352.78 | RM283.33 |
|
RM10,000 |
RM400 | - | - | - | - | RM566.67 |
You need to inform Emicro if there are any changes to your contact details to ensure that all communications reach you promptly
Emicro personal loans in Malaysia offer a convenient alternative to traditional bank loans. They feature fast online applications and approvals, often within hours, and have flexible eligibility criteria for those with imperfect credit histories. Competitive interest rates are tailored to borrowers' needs for manageable repayments. Overall, Emicro loans provide unmatched convenience, accessibility, and affordability without the constraints of traditional lending.
Absolutely. Emicro operates under Malaysia's financial regulations and is a fully licensed digital lender.
Emicro is a reliable choice for personal loans in Malaysia, offering flexible terms, transparency, and competitive rates. The user-friendly platform simplifies applications, while upfront terms eliminate hidden fees. Personalized service tailors solutions to each borrower's situation. Whether for emergencies or planned expenses, Emicro offers loans to meet diverse needs and prioritizes financial well-being.
Loan amounts range from RM500 up to RM10,000, depending on your eligibility.
No. Emicro Personal Loans are unsecured, so no collateral is required.
In today's fast-paced world, financial stability can be elusive. Emicro personal loans offer quick access to funds without the usual hassles, helping with unexpected expenses like medical bills or home repairs. User-friendly applications and swift approvals ease financial worries, allowing you to focus on important matters. Flexible repayment options fit your budget, giving you control. Emicro empowers individuals by prioritizing ease and adaptability—essential for thriving today.
Most applications are approved within 6 hours after document submission, with funds disbursed within 24 hours. The loan can be quickly deposited into your bank account within 6 hours when applying during business hours. The loan will be deposited the next day if the application is made during non-business hours or holidays.
Securing a personal loan prioritizes speed and simplicity. Emicro offers a quick, hassle-free online application without bank visits. With minimal documentation and digital verification, processing is fast yet secure. Advanced algorithms provide feedback within minutes, and approved funds are swiftly deposited for timely access. Emicro combines technology with customer-centric practices for a stress-free experience.
Yes. From application to disbursement, everything is done digitally without the need to visit a physical branch.
Emicro personal loans stand out with competitive interest rates compared to traditional banks. They use advanced technology to cut costs, passing savings to consumers. Emicro offers 1.5% profit rate per month, based on credit profile assessment, ensuring fair terms. Their transparent practices mean clear terms with no hidden fees, fostering trust.
Effective financial management is crucial today. An Emicro personal loan offers flexibility and accessibility by consolidating high-interest debts into one payment, reducing costs, and improving cash flow. Quick approval allows you to address urgent needs while preserving long-term plans, such as covering unexpected expenses or investing in a business. With lower interest rates than credit cards and tailored terms, Emicro loans empower you to manage finances effectively and achieve goals confidently.
Yes, Emicro considers applicants with various credit histories. Approval is based on multiple factors including income stability and repayment capacity.
Emicro applies an 8% annual late payment interest on the principal. A RM25 penalty applies for financing amounts between RM1,000 and RM100,000 if payments are over seven days late. Unpaid debts may lead to legal steps affecting your credit score. It’s important to contact their customer service early to reschedule or discuss payment arrangements.
