KOPUTRI Cooperative Personal Financing

  • Profit Rate
    5.90% p.a.
  • Max. Financing Amount
    RM 100,000
  • Approval Duration
    6-8 Working Days

Calculate your financing repayment instantly

RM
year(s)
RM
You Pay
RM 89 /mth
Profit Rate
Total Profit Payable
RM 70
Total Repayment
RM 1,070

Key Features

Reasonable rates with high payout up to RM100,000

Reasonable rates with high payout up to RM100,000

Suited for those looking for bank products but ineligible

Suited for those looking for bank products but ineligible

Suited for those looking for bank products but ineligible

Rebates for early repayment

More details

  • icon Features Features

    Approval Duration
    6-8 Working Days
    Min. Financing Amount
    RM 1,000
    Max. Financing Amount
    RM 100,000

    Other features

    Profit Rate
    5.90%
    Min. Financing Tenure
    2 years
    Max. Financing Tenure
    10 years
    Debt Consolidation
    No

  • icon Eligibility/Documents Eligibility/Documents

    Employment Eligibility
    Permanent civil servant only
    Age Requirement
    21-54 years old or 1 year before retirement
    Min. Monthly Salary
    RM 1,800

    Other eligibility requirements

    NRIC
    Copy of IC (front and back) [verified by employer]
    Payslip
    Copy of latest 3 months payslips [verified by employer]
    Bank Statement
    Copy of latest 3 months bank statement [if not AG customers]
    Confirmation Letter
    Confirmation letter by employer
    Application Form
    A full set of application forms & agreements
    Angkasa Form (Blue Form) or Letter of authorization
    Angkasa Form (Blue Form) or Letter of authorization

  • icon Fees and charges Fees and charges

    Processing Fees
    Free

    Other Fees and charges

    Late Payment Charges
    N/A
    Annual Fee
    N/A

If you're not sure which loan is right for you, we can help!

How do you apply for a personal financing online?

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Step 1

Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.

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Step 2

Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.

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Step 3

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.

Review by iMoney

KOPUTRI Cooperative Personal Financing is a personal financing facility that offers a financing amount of up to RM100,000. It is specifically for permanent government employees.

Best for: Debt consolidation or civil servants who are ineligible for financing products offered by banks.

Income requirements: Minimum RM1,500/month.

Pros:

  • Low income requirement (RM1,500 gross monthly income)
  • Rebates for early repayment
  • Repayment through ANGKASA

KOPUTRI Cooperative Personal Financing FAQ

An Islamic personal financing offered by KOPUTRI Cooperative Personal Financing.

  • RM100,000

  • 1 – 10 years.

    • Citizenship: Malaysian
    • Employment: permanent government employees
    • Income: Minimum RM1,500/month gross income
    • Age: Between 21 – 54 years old. If you apply for this personal financing package is at age 50, your maximum tenure is 4 years when you reach 54. This means that you must settle your repayments before you reach the age limit of 54.

  • The entire process takes between 1-2 weeks (2-4 days to get approval and up to 7-10 days to get the loan in the customer bank account).

    Your application will be sent to Direct Lending Sdn Bhd for processing.

    To speed up the process, you can complete the application through iMoney where our Call Centre Consultants will walk you through the eligibility checker, application form, and advise you on the required document submission.

  • Processing fee: None

    Late penalty fee: None

    Note: There are no upfront charges or additional fees when you apply through iMoney. We will also not request any deposit payment from you.

  • A flat profit rate of 5.90% is fixed for the entire financing period.

  • As with any personal financing, you will have to make monthly repayment which comprises of principal amount and an interest rate.

    Use our personal loan calculator above to estimate your monthly repayment.

  • Authorised salary deduction via ANGKASA

  • Once you have completed your application with iMoney, you are required to provide the following documents for your application:

    • Copy of NRIC (front and back)
    • 3 months (most current) salary slips
    • 3 months (most current) bank statements
    • Confirmation letter by employer
    • Angkasa Form (Blue Form) or Letter of authorisation to deduct salary
    • Application Form

  • Outstanding payments like PTPTN loans, amounts owing under RM5,000 or overdue loans under 2 months duration are acceptable under certain conditions. You may also consider using this financing to clean up your CCRIS record.

    Check your iMoney CreditScore for free to find out how your credit health is.

  • KOBETA Cooperative Personal Financing

    Similarly exclusive for government employees, this personal financing package has the same income requirement of RM1,500/month.

    CBP Personal Financing-i Lestari

    Another personal financing facility for civil servants is CBP Personal Financing-i Lestari which provides a higher financing amount of RM200,000. Although the monthly income requirement is slightly higher at RM3,000, it comes with a lower profit rate of 2.75% - 2.85% p.a.