Emicro i-Financing
Min. Interest Rate18.00% p.a.
Max. Loan AmountRM 10,000
Max. Tenure2 years
Min. Interest Rate18.00% p.a.
Max. Loan AmountRM 10,000
Max. Tenure2 years
Apply for Emicro i-Financing online and get up to RM10,000 in Shariah-compliant financing with approval in as fast as 1 working day.
Fees and Charges
Profit RateAs low as 18.00% p.a.**Subject to terms and conditions
Stamp Duty
ChargeableIncluded in the Processing Fee, together with Wakalah Fee
Processing Fee
RM 60.00With the maximum amount of RM400 depending on the financing amount
Late Payment Fee
1.00% on such overdue amount1% p.a. on the outstanding amount, plus a RM25 late payment services fee if any part of the principal or profit remains unpaid within seven (7) days of the due date
Early Termination Fee
Exempted
Eligibility
Min. IncomeRM 2,000per monthRM 24,000 per year
Who Can Apply?Malaysian citizens21 - 50 years old
Employment Status
- Salaried employee
- Government employee
- GLC employee
Documents required to apply
- Your IC (both sides)
- A selfie holding your IC (for identity verification)
- Latest salary slip
- Latest EPF statement
- Original utility bill receipts such as electricity, water bills, etc.
Loan Repayment Table
| Financing Amount | Financing Tenure | Min. Income | Profit Rate |
|---|---|---|---|
| RM 500 - RM 10,000 | 3 - 24 months | min. RM 24,000 | 18.00% p.a. |