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13 apps · 20 articles
Apps
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(Acom Loan) App SIM
(Skyro Loan) App Malaysia SIM
PINJAMGO: App Loan SIM
FINGOMY: Pinjamtok Paylaju SIM
(Fundora Loan) App SIM
(TUNAI PANTAS) Loan App SIM
(Laju Dana) Loan App SIM
(HALO TUNAI) Pinjaman SIM
(TUNAI NOW) Cash Loans Pointer
(Flexi Duit) - Flexi Loan SIM
IREZEKI LOAN: Pinjaman SIM
(GOBIAYA) Pinjaman Wang SIM
(SAKUWANG) Pinjaman SIM
Articles
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Why Debt Consolidation Fails: The Habit of Borrowing Again Once the Old Debts Are Clear
Debt consolidation usually fails for a behavioural reason rather than an arithmetic one: the cleared card gets used again. Replacing RM 850…
Buy Now Pay Later in Malaysia Is Now Licensed Credit
Buy now pay later stopped being an unregulated convenience in Malaysia. Providers must obtain a licence from the Consumer Credit Commission…
Responsible Lending Duties: What a Lender Now Owes You
The Consumer Credit Act 2025 places duties on credit providers that used to be optional: assess whether a borrower can actually afford the…
The Consumer Credit Act 2025: Malaysia New Credit Regulator
Malaysia brought non-bank consumer credit under a single framework with the Consumer Credit Act 2025, which came into force on 1 March 2026…
Before You Move Debt Into One Loan: Settlement Figures, Early Settlement Costs and Who Pays the Old Creditors
Before moving several debts into one loan, get a written settlement figure for every old debt, the cost of settling each one early, and…
Bank or Licensed Moneylender: Two Different Regimes, Two Different Loans
A bank loan and a licensed moneylender loan are not the same product under a different brand. They sit under different regulators…
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…
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…
How Stretching the Tenure Changes What a Loan Really Costs
Lengthening a loan lowers the instalment and raises the total interest, because you are borrowing the same money for longer. On RM30,000 at…
Flat Rate or Effective Rate: Why the Same Number Means Two Prices
A flat rate charges interest on the full original amount for the entire tenure, while an effective rate charges only what you still owe, so…
Is Debt Consolidation Really Cheaper? Compare Your Old Debts With the New Loan
Consolidation is cheaper only when the total payments still left on your old debts are larger than the total payments on the new loan…