Emicro Personal Loan

A personal loan for low-income Malaysians to get by. Get up to RM10,000 fast loan within the next one day with Emicro personal loan.

Emicro Personal LoanMicro Fast Loan
Interest Rate
From 18% p.a.
up to RM10k
up to 2 years
Loan Type
Unsecured Loan
Min. Income

Interest rates

Based on your loan amount & loan period, the interest rates are as low as the following

You borrowLoan periodYour IncomeInterest rate
RM500 - RM1,0001 to 3 monthsmin. RM18,00018% p.a.
RM1,001 - RM3,0001 to 6 monthsmin. RM24,00018% p.a.
RM3,001 - RM5,0001 to 12 monthsmin. RM36,00018% p.a.
RM5,001 - RM10,0001 to 24 monthsmin. RM48,00018% p.a.

Fees & Charges

Interest Rate / APR
As low as 18% p.a.,depending on loan amount and period
Processing Fee
RM60, with the maximum amount of RM400 depending on the loan amount
Stamp Duty
It's included in the Processing Fee
Early Termination Fee
Late Penalty Fee
RM25 or 8%  from current outstanding amount


Minimum Annual Income
Minimum Age
  • 21 to 50 years old
Who can apply
  • Malaysians
  • Salaried employee
  • Self-employed

More Information

Emicro Personal Loan provides you with fast loans in 6 hours

There are ups and downs in life, anything can happen at times you are not prepared financially. Luckily, there is always a light at the end of a dark financial tunnel. 

Emicro Services Sdn Bhd is a licensed company under the Ministry of Housing and Local Government (KPKT) that provides a fast microloan to Malaysians only. 

Apply for this loan online to get approved and your money banked into your account in as fast as 6 hours. It is recommended to use CIMB Bank as your designated account for fast deposit. 

If you apply anytime outside of working hours, you will receive your loan the next working day. 

What are the minimum and maximum fast loans that Emicro provide?

At the moment, the minimum amount of a fast loan you can borrow is RM500 while the maximum amount is RM10,000.

Fast Loan Amount Tenure
RM500 - RM1,000 6 months
RM1,001 - RM3,000 6 months
RM3,001 - RM5,000 12 months
RM5,001 - RM10,000 24 months

Emicro Personal Loan offers a flat interest rate

The interest rate of this personal loan is fixed and flat at 18% per annum. This interest is calculated on your total approved loan amount and payable every month until maturity.

This personal loan also comes with fees such as:

  • Processing fee (including Stamp Duty and Legal Fees): Maximum amount is RM400, depending on the loan amount
  • Late payment interest: 8% from the current outstanding amount 
  • Late penalty fee: RM25, when principal or interest is not paid within 7 days after the due date

Emicro Personal Loan eligibility requirements

Emicro accepts fast loan applications from any Malaysian aged between 21 to 50 years old. To process your application, please prepare:

  • Original MyKad (Front/Back)
  • Your selfie, holding MyKad (to avoid identity fraud)
  • Latest salary slip or EPF Statement
  • Utility bills (electricity/water/maintenance, etc)

Pre-approval basic requirements

To approve your loan application, Emicro has set some pre-approval criteria such as follows:


Emicro will NOT approve personal loan applications from: 

  • Government employee (PDRM Police/ Security/ Bomba/Army/Prison Officer)
  • Chief
  • Factory operator/storekeeper
  • Sales promoter
  • Self-employed
  • Driver (Grab, truck or lorry) and
  • Commission-based employee.
Income/Commitment Ratio

Your monthly nett income must be more than your Emicro monthly repayment, or else the application will be rejected. For example:

Nett income: RM4,000
Current commitment: RM3,500
If you borrow  RM3,000 from Emicro, with a monthly repayment of RM545, your application will be rejected.

RM4,000 - RM3,500 = RM500 (your disposable income is lower than the monthly repayment)

CTOS/CCRIS Blacklist or Legal Cases

Applicants must not be blacklisted by CTOS or CCRIS and/or involved in legal cases.

CCRIS Repayment Record

Emicro will reject your application if you:
- have a record of not paying any loan for more than 3 months (except PTPTN)
- are over 30 years old and don't have a loan record on CCRIS

Duration of Employment

The duration of your employment must be more than 6 months when applying for an Emicro personal loan.

Emicro fast microloans repayment

There are a few easy ways to repay your loan:

Online banking 
Transfer the money to your Emicro bank account and enter your ID number or mobile number as the reference. The next step, upload the transfer slip to the Emicro web or app.

FPX online banking
Pay via FPX online banking in Emicro web or App.

ATM transfer
Make the repayment via ATM transfer to the company bank account. After that, upload the transfer slip to the Emicro website or app.

Repay your microloan via JomPAY and upload the slip to the Emicro web or app.

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