- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total Repayment
- RM 1,070
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Reasonable rates with high payout up to RM100,000
Suited for those looking for bank products but ineligible
Rebates for early repayment
Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.
Select the best product that fits your requirements from the list of recommended personal financing 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.
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.
1 – 10 years.
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:
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.
Similarly exclusive for government employees, this personal financing package has the same income requirement of RM1,500/month.
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.