Turn Your FinancialDreams into RealityProfessional lending solutions you can trust
Get approved for personal loans up to RM 100,000 with our competitive rates. 2-3 hours approval process for Malaysian residents.
2-3 Hours Approval
Lightning-fast approval within 2-3 hours
Secure & Licensed
Bank Negara Malaysia regulated
Malaysian Solutions
Tailored for Malaysian market
Trusted by over 6900 Malaysians • Bank Negara Malaysia regulated • Bank-level security
Malaysia
Why Choose E-platform credit?
We make borrowing simple, fast, and transparent. Here's what sets us apart.
2-3 Hours Approval
Get approved in as little as 5 minutes with our streamlined application process.
Competitive Rates
Enjoy our competitive rates from 4.88% - 18.00% APR for qualified Malaysian applicants.
Flexible Terms
Choose repayment terms that work for your budget, from 12 to 108 months.
Secure Process
Your personal and financial information is protected with bank-level security.
Fast Processing
Get 2-3 hours approval with lightning-fast loan processing.
No Hidden Fees
Transparent pricing with no origination fees or prepayment penalties.
Loan Options for Every Need
Whether you're consolidating debt, buying a car, or purchasing a home, we have the right loan for you.
Personal Loans
Unsecured loans for any personal need - from debt consolidation to home improvement.
Auto Loans
Finance your dream car with competitive rates for new and used vehicles.
Home Loans
Make homeownership possible with our flexible mortgage solutions.
Malaysian Loan Payment Calculator
Transparent pricing with fixed 4.88% APR. See exactly what your monthly payments will be.
Monthly Payment Table (4.88% APR Fixed Rate)
All amounts in Malaysian Ringgit (RM) • 2-3 hours approval available
| Loan Amount | 1 Year (12 months) | 2 Years (24 months) | 3 Years (36 months) | 4 Years (48 months) | 5 Years (60 months) | 6 Years (72 months) | 7 Years (84 months) | 8 Years (96 months) | 9 Years (108 months) |
|---|---|---|---|---|---|---|---|---|---|
| RM 5,000 | RM 437.00 | RM 229.00 | RM 159.00 | RM 124.00 | RM 104.00 | — | — | — | — |
| RM 10,000 | RM 874.00 | RM 457.00 | RM 318.00 | RM 249.00 | RM 207.00 | RM 180.00 | RM 160.00 | RM 145.00 | RM 133.00 |
| RM 15,000 | RM 1,311.00 | RM 685.00 | RM 478.00 | RM 373.00 | RM 311.00 | RM 269.00 | RM 240.00 | RM 217.00 | RM 200.00 |
| RM 20,000 | RM 1,748.00 | RM 915.00 | RM 637.00 | RM 498.00 | RM 415.00 | RM 359.00 | RM 319.00 | RM 290.00 | RM 267.00 |
| RM 25,000 | RM 2,185.00 | RM 1,143.00 | RM 796.00 | RM 622.00 | RM 518.00 | RM 449.00 | RM 399.00 | RM 362.00 | RM 333.00 |
| RM 30,000 | RM 2,622.00 | RM 1,372.00 | RM 955.00 | RM 747.00 | RM 622.00 | RM 539.00 | RM 479.00 | RM 434.00 | RM 400.00 |
| RM 50,000 | RM 4,370.00 | RM 2,287.00 | RM 1,592.00 | RM 1,245.00 | RM 1,037.00 | RM 898.00 | RM 799.00 | RM 724.00 | RM 666.00 |
| RM 80,000 | RM 6,992.00 | RM 3,659.00 | RM 2,548.00 | RM 1,992.00 | RM 1,659.00 | RM 1,436.00 | RM 1,278.00 | RM 1,159.00 | RM 1,067.00 |
| RM 100,000 | RM 8,740.00 | RM 4,574.00 | RM 3,185.00 | RM 2,490.00 | RM 2,074.00 | RM 1,795.00 | RM 1,598.00 | RM 1,449.00 | RM 1,333.00 |
Malaysian Lending Features
- •Fixed 4.88% interest rate for all qualified applicants
- •2-3 hours approval for qualified applicants
- •Follows Bank Negara Malaysia (BNM) guidelines
- •Competitive rates for Malaysian residents only
Payment Benefits
- •No hidden fees or charges
- •Flexible repayment terms up to 9 years
- •Early settlement options available
- •Transparent pricing with fixed monthly payments
Example: RM 20,000 loan for 60 months = RM 415.00 per month
What Our Customers Say
Join over 6900 satisfied customers who chose E-platform credit for their financial needs
"Alhamdulillah, E-platform credit made everything so easy for me! Got approved in just 2 hours for my daughter's overseas study expenses. The staff were very understanding of our Islamic requirements and spoke excellent Bahasa Malaysia too. Memang recommended!"
"Starting my own clinic in PJ was quite challenging financially. E-platform credit's business loan really saved the day! The team understood that us doctors have irregular income patterns, and they were flexible with the documentation. Very professional service!"
"Wah, organizing a proper Chinese wedding in Penang can be quite expensive lah! E-platform credit really helped us manage the costs for the tea ceremony and dinner reception. The approval process was super smooth, and their customer service team spoke Mandarin too - very convenient!"
"Alhamdulillah, when I decided to expand my halal catering business, E-platform credit really understood our community's needs. The Islamic banking principles they follow made me feel confident, and the approval was so fast - perfect for Ramadan season prep!"
"Renovating our ancestral home in Shah Alam was a big project lah. E-platform credit understood our need to preserve the traditional elements while modernizing. The loan approval was super fast - can you believe 3 hours only? Fantastic service!"
"Alhamdulillah, growing our tech startup in Cyberjaya needed serious funding. E-platform credit really understood our business model and Shariah-compliant needs. Their online process was so efficient, perfect for our digital company culture. Highly recommended!"