Personal Loans
Flexible financing solutions for all your needs
Check personal loan options from RM 1,000 to RM 150,000, estimate monthly repayments, and prepare documents before you apply. Final rates and amounts are subject to assessment.
Why Choose Our Personal Loans?
Online Eligibility Review
Submit your details online for a business-hours review of income, commitments, documents, and repayment fit.
Competitive Interest Rates
Rates, fees, and final tenure depend on assessment and the signed agreement. Review repayment estimates before choosing an amount.
Flexible Repayment Terms
Choose from 12 to 108 months repayment period. Customize your monthly payments to fit your budget and financial goals.
Secure & Transparent
Built around clear borrower disclosures, PDPA-aware data handling, and contract-first communication for Malaysia applicants.
Minimal Documentation
Prepare IC, payslips or income proof, bank statements, and supporting documents where requested. Applications can be submitted online.
Dedicated Support
Support is available through official channels to help you understand documents, repayment estimates, and next steps.
Key Features
No Collateral Required
Unsecured personal loans - no need to pledge assets
Early Settlement Discount
Save on interest with early repayment options
Disbursement After Verification
Funds are processed after verification and final agreement completion
Top-Up Facility
Existing customers can apply for additional loans easily
How It Works
Apply Online
Fill out our simple 3-minute online application form with your basic details and financial information.
Upload Documents
Submit your IC, latest payslip, and 3 months of bank statements digitally through our secure platform.
Eligibility Review
Your income, documents, commitments, and repayment fit are reviewed during business hours.
Sign Agreement
Review and e-sign your loan agreement online - no branch visits or document printing required.
Receive Funds
Funds are processed after verification and final agreement completion.
What Can You Use Personal Loans For?
Wedding Expenses
Plan wedding-related costs with a clear repayment estimate
Education & Training
Compare course costs and monthly repayments before committing
Home Renovation
Prepare renovation quotations and choose a manageable amount
Medical Expenses
Review invoices, insurance gaps, and repayment capacity
Business Capital
Support working capital needs after checking cash flow
Debt Consolidation
Combine multiple debts into one manageable payment
Eligibility Requirements
Required Documents
- Copy of NRIC (front and back)
- Latest 3 months payslips
- Latest 3 months bank statements
- EPF statement (optional)
- Employment confirmation letter
- Proof of residence (utility bill)
All documents can be uploaded digitally through our secure platform. No physical copies needed!
Personal Loan Options by Borrower Profile
Different applicants need different preparation. Use the guide below to choose a stronger next step before applying.
Salaried Employee
Stable monthly income with payslips
Documents to prepare
NRIC, payslips, bank statements, employer details
Better next step
Check DSR and monthly repayment before choosing amount
Self-Employed / Freelancer
Business owners, freelancers, online sellers
Documents to prepare
Bank statements, invoices, SSM or business records
Better next step
Prepare longer income history and explain cash flow
Grab Driver / Gig Worker
Platform income with variable monthly earnings
Documents to prepare
Platform earnings, bank statements, expense records
Better next step
Use conservative net income after petrol and expenses
Government Teacher / Healthcare Staff
Public-sector income with fixed or allowance-based pay
Documents to prepare
Payslips, salary credit records, deduction details
Better next step
Review salary deductions and repayment fit
Loan Calculator
Estimate your monthly repayment
What to Check Before Accepting a Personal Loan Offer
A personal loan should improve cash flow, not create a repayment problem. Review these points before signing any agreement.
- Compare monthly repayment and total repayment cost, not only the headline rate.
- Check whether fees, stamp duty, early settlement terms, and late payment charges apply.
- Make sure the instalment still fits your budget if income drops or expenses increase.
- Use official contact channels and do not pay advance fees to personal accounts.
Frequently Asked Questions
How long does it take to get approved?
Applications are reviewed during business hours after information is submitted. Final approval, amount, rate, and disbursement remain subject to verification and the final agreement.
What is the maximum loan amount I can apply for?
You can apply for loans from RM 1,000 up to RM 150,000, subject to eligibility and credit assessment.
Can I settle my loan early?
Yes! We encourage early settlement and offer attractive discounts on interest charges for early repayment.
Is there a processing fee?
Yes, there is a one-time processing fee of 2% of the loan amount, capped at RM 500.
Trust, Compliance & Borrower Care
Review the information that matters before you submit documents, compare rates, or sign any agreement.
Licensing & Compliance
How Mudah Credit presents company identity, disclosures, and Malaysia-focused regulatory information.
Fees & Charges
What borrowers should check on rates, fees, stamp duty, and repayment costs before signing.
Responsible Lending
Affordability guidance, document readiness, and steps to take if repayment becomes difficult.
Complaints & Safety
How to contact us, raise an issue, and protect yourself from impersonation or scam offers.
Related guides before applying
Use these supporting guides to check documents, credit records, employment type, and local context before submitting a form.