- You Pay
- RM 89 /mth
- Profit Rate
- Total Profit Payable
- RM 70
- Total Repayment
- RM 1,070
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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.
YIR Personal Financing-i is a personal financing facility that offers a high financing amount of up to RM150,000. It is specifically for government employees in Malaysia with a minimum income of RM1,500 and who work for the following employers:
Best for: Debt consolidation or cashflow.
Income requirements: Minimum RM1,500/month.
You can apply for the YIR Personal Financing right here.
1 – 10 years.
Employees of the Malaysian government for the following employers only:
You are also required to meet the eligibility criteria below:
Your application will be processed between 2 – 3 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.
Once you have completed your application with iMoney, you are required to provide the following documents for your application:
Fixed profit rate as low as 6.5% p.a., subject to individual income and risk profile.
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.
You can calculate your monthly commitment by inputting your financing amount and tenure in the YIR Personal Financing calculator.
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
No guarantor or collateral is required for this loan.
There is no Takaful coverage for this financing facility.
You will need to pass YIR’s credit assessment before your application can be considered.
Check your iMoney CreditScore for free to find out how your credit health is.
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.
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.