Articles & guides
Guides, tips, and plain-English explainers about the Android apps we publish — written to be practical and easy to follow.
Kredit Komuniti: Checking a Licence and the Electronic Payout Rule
Licensed moneylenders in Malaysia have been branded Kredit Komuniti since April 2019, and their licences can be checked through the…
The Legal Ceiling on Moneylender Interest in Malaysia
A licensed moneylender in Malaysia may not charge more than 12 per cent a year on a secured loan or 18 per cent on an unsecured one, which…
Islamic Personal Financing and Conventional Loans: the Practical Differences
Islamic personal financing in Malaysia is built on contracts such as a sale at a disclosed mark-up rather than a loan bearing interest, so…
Calculator or Lender: How to Tell What an App Really Is
The reliable test is not the app name or its description, it is what the app asks for. A genuine calculator works on figures you type and…
What a Loan Simulator Can Tell You, and What It Cannot
A loan simulator answers one question well: given these numbers, what would the repayments look like. It cannot tell you a lender actual…
Refinancing a Personal Loan: When It Helps and When It Hides the Cost
Refinancing is only worth doing if the total you will repay falls. A lower monthly instalment proves nothing on its own, because it can…
Salary Deduction Loans: What to Check Before You Sign
Repayment by salary deduction removes the risk of forgetting an instalment, which is why these loans are often easier to obtain. That…
CCRIS and CTOS: What a Malaysian Lender Actually Sees
When you apply for a loan in Malaysia, the lender typically reads two records. CCRIS, operated by Bank Negara Malaysia, shows your…
Late Payment Charges: How a Missed Instalment Compounds
One missed instalment rarely stays one problem. A late payment charge is applied, interest continues on the unpaid balance, the arrears are…
Deducted From the Loan or Added to It: Why Upfront Fees Are Not Equal
Upfront charges on a Malaysian personal loan are handled two ways, and the difference changes what you pay. Deducted from the payout, a fee…
Settling a Loan Early: the Rule of 78 and What Replaces It in 2027
Settling a personal loan early saves less than most borrowers expect, because the Rule of 78 front loads interest into the early…
Working Backwards: Finding the Real Rate From the Instalment
When an offer gives you an instalment but no clear rate, you can still measure the loan. Multiply the instalment by the number of months…