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Features
Eligibility/Documents
Fees and charges
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.
The YYP personal financing is a Shariah-compliant personal financing exclusively for Malaysian civil servants, Statutory Bodies and selected Government Linked Companies (GLCs) employees only, offered by theYayasan Dewan Perniagaan Melayu Perlis Berhad. One of the main advantages of the YYP Personal financing is it requires a very low minimum required salary, so if you're having issues applying for other personal financing solutions due to your monthly salary, give YYP personal financing a try.
You can apply for the YYP Personal Financing right here.
RM200,000.
1 – 10 years.
Employees of the Malaysian government.
You are also required to meet the eligibility criteria below:
Once you have completed your application with iMoney, you are required to provide the following documents for your application:
Your application will be processed between 2 – 3 working days, subject to complete document submission, employer verification and customer confirmation through akad. Cash will be disbursed into your account within 24 hours of approval.
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.
Fixed profit rate as low as 6.65% p.a., subject to individual income and risk profile.
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 BIRO ANGKASA
You can calculate your monthly repayments using the YYP personal financing calculator right here. All you have to do is key in the financing amount and the tenure duration you'd like.
Stamp duty: 0.5% of the financing amount
Processing fee: None
Early settlement fee: RM60, processing fee for each Early Settlement Statement
Late penalty fee: 1% of outstanding amount
Note: There are no upfront charges or additional fees when you apply through iMoney. We will also not request any deposit payment from you.
Authorised salary deduction via ANGKASA
Early settlement in full is allowed at any point of time before its maturity. A rebate (Ibra’) may be given at YYP’s discretion.
There is no Takaful coverage for this personal financing solution.
You will need to pass YYP’s credit assessment before your application can be considered.
Check your iMoney CreditScore for free to find out how your credit health is.
KOBETA Cooperative Personal Financing
Similar to YYP Personal Financing but with less restrictions on employment eligibility, KOBETA Cooperative Personal Financing is open to all civil servants including semi-government staff from POS Malaysia and Tenaga Nasional Berhad (TNB).
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.
AEON i-Cash Personal Financing
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.
