- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total Repayment
- RM 1,070
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Low interest rate for Muslim customers
Ideal for borrowers looking for low interest loan (but have high outside commitment or wish to settle SAA/CTOS)
For government servants
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.
UKHWAH Cooperative Personal Financing is a personal financing facility that offers a decent financing amount of up to RM250,000. It is specifically for permanent government employees who have worked for at least 6 months.
Best for: Debt consolidation or cashflow.
Income requirements: Minimum RM1,500/month.
1 – 10 years.
The entire process takes about 2 weeks (3 – 5 days for approval and 7 – 10 days for the money to be deposited into your 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
Early termination fee: Yes
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:
Credit records like non-bank CTOS under RM20k is allowed but subject to terms and conditions while credit records on CTOS from financial institutions need to be settled with the new financing application to qualify. If possible, we recommend that you settle any outstanding payments and wait for three months before you apply.
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.
If you wish to have a slightly faster approval, you may consider AEON i-Cash Personal Financing which can approve your application within 3 days. With a similarly low income requirement of RM1,500, this personal financing package comes with a shorter repayment tenure of 7 years.
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.