Nimbura Personal Financing
Borrow from RM300 up to RM5,000 with Nimbura Personal Financing. Apply online with just your valid IC without any collateral or guarantor.
Calculate your monthly repayment
Fees and Charges
Eligibility
- Salaried employee
- Commission earner
- Gig workers
- Business owner
- A copy of your IC (both sides)
Loan Repayment Table
| Financing Amount | Financing Tenure | Min. Income | Interest Rate |
|---|---|---|---|
| RM 300 - RM 5,000 | 3 - 6 months | min. RM 18,000 | 17.89% p.a. |
Features
Approval in as fast as 15 minutes. Get a decision quickly and receive funds on the same day.
100% online application. No branch visits, no paperwork; just your IC.
No collateral or guarantor required.
No early settlement penalty. Pay off early and only pay interest for days used.
3-day grace period on late payments. A small buffer before late charges apply.
Licensed and regulated by KPKT.
Terms and Conditions
Product Review by CompareHero
What is Nimbura Personal Financing?
Nimbura is a short-term personal loan you can apply for entirely online. It's offered by Nimbura Sdn. Bhd., a KPKT-licensed moneylender (Licence No. WL7662/10/01-3/110127). You can borrow between RM300 and RM5,000, and if approved, the money goes straight into your bank account. The entire application takes only 10 minutes to complete!
What can I use this loan for?
Pretty much anything personal and legal, like medical bills, school fees, home fixes, a wedding, or even some extra capital for a side hustle. Nimbura doesn't restrict what you spend it on, as long as you're abiding by the law.
What's the interest rate?
Nimbura charges 0.049% per day, which works out to 17.89% per annum. Interest is only calculated on the days you actually hold the loan, so settling early saves you money. Quick example: borrow RM2,000 for 90 days and you'd pay RM88.20 in interest, bringing your total to RM2,088.20 or about RM696.07 a month.
What fees should I know about?
- Stamp duty: 0.5% of your approved loan amount, minimum RM10
- Late payment fee: 0.021% per day (7.67% p.a.) on overdue amount
- Early settlement fee: None
- Processing fee: Up to RM200
Can I pay off my loan early?
Yes, and there's no penalty for it. You only pay the remaining principal plus interest for the days you actually used. That's it.
How do I make my monthly repayments?
Log in to your Nimbura account via the website or app — your repayment schedule and amount due will all be there. If you need more time, you can request a 30-day extension before your due date. A new loan agreement gets issued once the extension payment is made.
What happens if I miss a payment?
A late payment fee of 0.021% per day will be charged on the overdue amount. Do pay on time to avoid any account restrictions down the line.
Who can apply?
You'll need to tick all these boxes:
- Malaysian citizen with a valid IC
- Aged between 20 and 70
- Active bank account with any Malaysian bank
- Not an undischarged bankrupt
Ticking all the boxes doesn't guarantee approval, though. Nimbura still runs its own credit assessment on every application.
Can I still apply if I'm blacklisted?
Approval isn't guaranteed and depends on Nimbura’s internal assessment. If you're an undischarged bankrupt, though, you won't be eligible.
How can I reach out to Nimbura?
If you have any enquiries on your Nimbura Personal Financing or there's an issue you want to flag, here's how to get in touch directly:
- Customer hotline: 03-2729 5700, available on workdays from 8:30 AM to 5:30 PM
- Complaints: [email protected]
- Office: Level 8-1, Tower 9, The Horizon, Avenue 5, Bangsar South, 59200 Kuala Lumpur
Nimbura is licensed under the Ministry of Housing and Local Government (KPKT), so if a dispute can't be settled with the lender directly, KPKT is the next step.