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Personal loan
Personal Loan From a Licensed Lender.
Borrow RM2,000 – RM100,000 for personal needs at up to 18% a year, with fixed instalments over up to 60 months.
Key terms
Personal Loan at a Glance
- Amount: RM2,000 – RM100,000
- Tenure: up to 60 months
- Interest: up to 18% a year
- Collateral: none
- Payout: bank transfer to your account
A personal loan is an unsecured loan repaid in fixed monthly instalments. The amount, rate and total repayable are set out in a written offer before you sign.
Licensed moneylender under the Moneylenders Act 1951, KPKT Licence No. WL4248/10/01-12/130928. Approval is subject to our assessment.
Costs
What You Pay
Every cost is set out in a written offer before you sign the agreement.
Cost examples at the maximum rate of 18% a year, calculated on the original loan amount:
| Loan | Tenure | Monthly instalment | Total interest | Total repayable |
|---|---|---|---|---|
| RM5,000 | 12 months | RM491.67 | RM900.00 | RM5,900.00 |
| RM10,000 | 24 months | RM566.67 | RM3,600.00 | RM13,600.00 |
| RM30,000 | 36 months | RM1,283.33 | RM16,200.00 | RM46,200.00 |
| RM50,000 | 60 months | RM1,583.33 | RM45,000.00 | RM95,000.00 |
Estimates before stamp duty and legal costs. Your actual rate, instalment and total are set out in your written offer.
Loan Calculator
Estimated monthly instalment at a flat rate
Unsecured · max 18% a year
Monthly instalment
RM0.00/month
for 24 months
- Loan amount
- RM0.00
- Total interest
- RM0.00
- Interest rate
- 18%
- Total repayable
- RM0.00
No upfront fees. A written offer before you sign anything.
View yearly repayment schedule
| Year | Paid | Principal | Interest | Balance to pay |
|---|
Estimate using a flat rate on the original loan amount, before stamp duty and legal costs. Your actual rate, instalment and total are set out in your written offer.
Interest within the legal limit
Up to 18% a year for unsecured loans, the maximum allowed under the Moneylenders Act 1951.
No upfront fees
Apart from interest, you only pay stamp duty, fees payable by law and legal costs. No processing fee.
Late payment
If an instalment is late, simple interest of at most 8% a year applies to the overdue amount only. No compound interest.
Who it suits
Who Should Apply?
Salaried employees who need a fixed sum for a clear purpose and can afford the monthly instalment after existing commitments.
Suitable for
- Government and statutory body employees
- GLC employees
- Salaried private sector employees
- Monthly income of RM1,500 or more
Common uses
- Home renovation and repairs
- Education and tuition fees
- Weddings and family events
- Medical bills and emergencies
Eligibility & documents
Personal Loan Eligibility and Documents
Prepare these documents to speed up your assessment.
Eligibility
- Malaysian citizen aged 21–60
- Salaried employee (not self-employed)
- Minimum monthly income of RM1,500
- Able to afford the instalment after existing commitments
Documents
- Copy of MyKad (front and back)
- Latest 3 months' payslips
- Latest 3 months' bank statements
- Latest EPF statement or EA form
- Employer confirmation letter (if requested)
FAQs
Personal Loan FAQs
How much can I borrow?
RM2,000 to RM100,000. The actual amount depends on your income and commitments and is set out in your written offer.
Do I need collateral?
No. A personal loan needs no collateral.
What is the interest rate?
Up to 18% a year, the legal maximum for an unsecured loan. No compound interest.
Can I apply with a CCRIS or CTOS record?
You can apply. We assess every application individually and do not guarantee approval.
How long is the repayment period?
Up to 60 months. A longer tenure lowers the monthly instalment but increases the total interest.
Do I pay anything to release the loan?
No. We never ask you to transfer money as a processing fee or deposit to release a loan. Stamp duty and legal costs are set out in your written offer.
Is SuperPinjamMan a licensed moneylender?
Yes. We are licensed under the Moneylenders Act 1951, KPKT Licence No. WL4248/10/01-12/130928, valid 14/09/2026 – 13/09/2028.
Ready to Apply?
Fill in the form and our officer will contact you within 5 minutes during office hours (Mon–Fri, 9:00am – 6:00pm).
SuperPinjamMan is a KPKT-licensed moneylender. Personal, debt consolidation, property-secured and business loans with written agreements and rates within the legal limit.
Areas: Selangor · Kuala Lumpur · Penang · Johor · Putrajaya · Negeri Sembilan
Loans
Help & Guides
About
Our Company
SSM Registration No.
200001016954 (519561-V)
KPKT Licence
WL4248/10/01-12/130928
Licence Validity
14/09/2026 – 13/09/2028
Interest Rate
Up to 18% a year (unsecured) / 12% (secured)
SuperPinjamMan is a moneylender licensed under the Moneylenders Act 1951 (KPKT licence no. WL4248/10/01-12/130928). Approval is subject to our assessment. Borrow only what you can afford to repay. We never ask you to transfer money as a processing fee or deposit to release a loan.
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