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Home/Loan Calculator
Calculator
Personal Loan Calculator
Estimate your monthly instalment, total interest and total repayable before you apply.
Enter the loan amount, tenure and interest rate. The rate is capped at the legal limit: 18% a year for unsecured loans and 12% a year for secured loans.
Loan Calculator
Estimated monthly instalment at a flat rate
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.
How the loan calculator works
This calculator uses a flat rate, which means interest is calculated on the original loan amount for the whole tenure.
- Total interest = loan amount × annual rate × tenure (years)
- Total repayable = loan amount + total interest
- Monthly instalment = total repayable ÷ number of months
Example: a RM10,000 loan over 24 months at 18% a year. Interest = RM10,000 × 18% × 2 = RM3,600. Total repayable = RM13,600. Monthly instalment = RM13,600 ÷ 24 = RM566.67.
Other costs
Apart from interest, a licensed moneylender may only charge stamp duty, fees payable by law and legal costs. No processing fee.
Tips before you apply
- Choose the shortest tenure you can afford. A longer tenure adds to the total interest.
- Make sure the instalment is still affordable after your existing monthly commitments.
- Compare the total repayable, not only the monthly instalment.
See our personal loan, debt consolidation or KPKT licence details. The 18% and 12% a year rate caps are set by the Moneylenders Act 1951.
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
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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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