OSK Syariah Capital

Government Servant
  • Interest Rate
    6.35% p.a. ~ 6.35% p.a.
  • Max. Financing Amount
    RM 150,000
  • Approval Duration
    1-3 working days

OSK Syariah Capital Loan Calculator

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

Key Features

Ethical and Shariah-compliant: Based on Commodity Murabahah via Tawarruq—no riba (interest) involved

Ethical and Shariah-compliant: Based on Commodity Murabahah via Tawarruq—no riba (interest) involved

Ideal for civil servants: Easy setup, fast approval, and automatic deductions simplify loan management

Ideal for civil servants: Easy setup, fast approval, and automatic deductions simplify loan management

Ideal for civil servants: Easy setup, fast approval, and automatic deductions simplify loan management

Transparent and cost-effective: No hidden fees, upfront charges, collateral, or guarantor needed

More details

  • icon Features Features

    Approval Duration
    1-3 working days
    Min. Financing Amount
    RM 4,000
    Max. Financing Amount
    RM 150,000

    Other features

    Fast approval
    Potentially within 24 hours, subject to terms and conditions.
    Single Customer Limit
    Total financing per customer capped at RM250,000
    Fixed profit rate:
    Predictable monthly payments without fluctuations
    High Net Payout
    Up to around 90% of approved financing amount

  • icon Eligibility & Required Documents Eligibility & Required Documents

    Age Requirement
    20-58 years (The maximum financing period is one year before retirement and the retirement age is limited to 58 years.)
    Min. Monthly Salary
    RM 1,500

    Other eligibility requirements

    Employment Confirmation
    Employer Confirmation Letter (Permanent position that exceeds 6 months as a civil servant and is not in the probationary period)
    Min. Monthly Salary
    RM1,500
    NRIC
    A copy of the identity card.
    Salary Slip
    1 month copy of the latest salary statement.
    Bank Statement
    A bank statement for the account receiving funding.
    Other Document
    Statement of preliminary completion (if applicable) & BPA 1/79 ANGKASA Bureau Form certified by the employer.

  • icon Fees and charges Fees and charges

    Processing Fees
    Not Required
    Stamp Duty
    0.5% of the approved financing amount

    Other fees and charges

    Collateral / Guarantor Fees
    Not required
    Late Payment Chargers:
    1% p.a (standard)
    Repayment Method:
    Salary deduction via ANGKASA
Last updated: Jan 14, 2026

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How do you apply for a personal loan online?

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Step 1

Explore our Suggest Me Personal Loan tool to identify the best personal loan 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 loan 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.

More details about the product

The OSK Syariah Capital Personal Loan is a compelling option for civil servants in Malaysia seeking quick, ethical financing without the burden of upfront costs or complicated collateral requirements. If you're eligible and need funds for medical expenses, education, business startup, house renovation, debt consolidation, or emergencies, it’s definitely worth considering.

  • OSKSC is a company incorporated in Malaysia and a subsidiary under the OSK Group, which provides Shariah-compliant personal financing facilities.

  • The products offered are Islamic personal financing facilities without collateral. Currently, the product offered is for civil servants, where the monthly instalment payment is through salary deduction through Angkatan Koperasi Kebangsaan Malaysia Berhad ("ANGKASA").

  • This product is based on the concept of Murabahah Commodity through Tawarruq.

  • You can still try to apply but approval is subject to terms and conditions.

  • Monthly instalment payments will be made through the salary deduction method through Angkatan Koperasi Kebangsaan Malaysia Berhad ("ANGKASA").

Last updated: Jan 14, 2026

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