GoodKredit

GoodKredit Malaysia Microloan

Need money for emergency or personal needs? Apply for a short term personal loan from GoodKredit, get fast approval and repay flexibly over 12 months.

    • Financing up to RM10k
    • Up to 360 days tenure
    • Unsecured Loan
    • 24 hours approval

Get Your Microloan Here- Only at RinggitPlus

Get Your Microloan Here- Only at RinggitPlus

Apply online now for GoodKredit Malaysia Microloan

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Interest rates

How much the bank charges you based on your loan amount & loan period

You BorrowLoan PeriodYour IncomeInterest Rate
RM1000 - RM100006 to 12 monthsmin. RM1800018% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
As low as 18% p.a., depending on loan amount and period
Processing Fee
None
Stamp Duty
RM5, to RM50, depending on the loan amount
Late Penalty Fee
8% from current outstanding amount, and RM50 Administrative Charge

Requirements

Are you eligible for this personal loan?

Minimum annual income
RM18000
Minimum age
18 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Salaried employee
  • Self-employed

Frequently Asked Questions about GoodKredit Malaysia Microloan

Things you might want to know

What is GoodKredit Malaysia Microloan about?

GoodKredit Malaysia Microloan is provided by Fortune Tree Capital Sdn Bhd (1202833-M), a cashless payment and microloan app service provider.

This fixed rate short term personal loan is for anyone who needs extra funds for personal use. GoodKredit offers a range of short term repayment periods between 6 months to 12 months, and a flat interest rate of 18% p.a.

How much can I borrow from this personal loan?

Since this is a microloan, you can borrow from a minimum of RM1,000 to a maximum of RM10,000, depending on individual credit assessment. Once your application has been approved by GoodKredit, you will receive a letter of agreement with the final loan amount, tenure and interest rate.

What is the personal loan interest rate?

The interest rate charged to this short term personal loan is 18% p.a., flat and fixed throughout the tenure. In this case, your monthly instalment amount cannot be changed and, any prepayment or overpayment will not result in a reduction of principal loan or savings in interest.

Do I need a guarantor or collateral?

You don't need a guarantor or collateral when applying for GoodKredit Malaysia Microloan because it is an unsecured short term personal loan. However, it is also subject to GoodKredit's assessment on your credit profile.

What are the fees and charges do I have to pay?

First of all, there is a one-time Stamp Duty fee ranging from RM5 to RM50, chargeable on the approved loan amount before disbursement. You are also required to pay a one-time Commissioner of Oath's Fee of RM15.

When you are late in paying your monthly instalment, your overdue outstanding amount will incur a late payment charge of 8% p.a. on top of an administrative charge of RM50, every month until you pay it off.

Bear in mind that legal action will be taken against you if you fail to meet the obligations.

Can I settle my personal loan earlier?

Yes you may do that. You will also get back a pro-rated rebate on the interest charged to your loan upfront.

Who can apply for this personal loan?

Open to Malaysians only, aged between 18 years to 60 years, with a minimum income of RM1,500 every month. All you need to prepare is:

  • Copy of NRIC (front and back)
  • Latest 3-months salary slips
  • Latest EPF statement
  • Latest bank statement
  • Latest copy of utility bill

And any additional documents which may be requested by GoodKredit.

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