MD Personal Loan

Finance your personal expenses and get your loan approved within 3 working days. Borrow up to RM50,000 and enjoy fixed interest rates as low as 1.5% monthly.

MD Personal LoanFixed 1.5% interest per month
Interest Rate
From 18% p.a.
up to RM50k
up to 5 years
Loan Type
Secured/Unsecured Loan
Min. Income

Loan calculator

Interest rates

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

You borrowLoan periodYour IncomeInterest rate
RM5,000 - RM50,00012 to 60 monthsmin. RM58,20018% p.a.

Fees & Charges

Interest Rate / APR
As low as 18% p.a.,depending on loan amount and period
Processing Fee
 2%  of the whole amount
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
 8%  from current outstanding amount, per annum


Minimum Annual Income
Minimum Age
  • 21 to 60 years old
Who can apply
  • Malaysians
  • Not declared bankrupt

More Information

What is MD Personal Loan?

MD Personal Loan provides our local consumers with high-margin financing for their personal expenses. Through flexible tenures and affordable monthly repayments, you can part-finance your financial needs confidently.

Why should I choose MD Personal Loan?

  • Registered credit community

If you are at your wit’s end in finding a trusted moneylender or financial institution other than banks, MD Capital Berhad can help you bridge your financial gap with their MD Personal Loan. The said company is a registered credit community under the Ministry of Housing and Local Government (KPKT).

  • Fast loan approval

We understand that sometimes, applying for a personal loan can be time-consuming. When the time comes when we needed extra funds the most, time is of the essence and MD Capital Berhad understands just that. Hence, you can rest assured that should your MD Personal Loan be approved, your money will be directly wired to your bank account as fast as three (3) working days, given that you provide the necessary documents and abide by the loan’s terms and conditions accordingly.

How much can I borrow and what are the interest rates?

You can borrow from a minimum loan amount of RM5,000 up to a maximum of RM50,000 with MD Personal Loan. The loan tenure, on the other hand, is from 12 months to 60 months (5 years). As for the interest rates, you get to enjoy fixed (flat) rates from as low as 1.50% per month or 18% per annum, depending on your chosen financing amount and loan tenure. Here’s a brief look at what you’ll get with this loan.

  • Minimum loan amount: RM5,000
  • Maximum loan amount: RM50,000
  • Interest rates: Fixed/flat, from 1.50% monthly or 18% annually
  • Minimum loan tenure: 12 months
  • Maximum loan tenure: 5 years

On a side note, please bear in mind that should you choose to borrow above RM30,000, you are required to take up a life insurance policy from MD Capital Berhad’s panel of insurance companies. You can find this detail in the T&C.

Any fees or charges I should take note of?

Yes, there are a few fees or charges you should take note of prior to applying for an MD Personal Loan. The list includes the following.

  • Handling Fees: RM75.00
  • Processing Fees: 2% of your financing amount, which is capped at RM500 maximum
  • Stamping Fees/Stamp Duty: 0.50% of the whole loan amount

Please note that fees such as the Processing Fees and Stamp Duty will be directly deducted from your approved financing amount, except for the Handling Fees as this fee shall be collected upfront by MD Capital Berhad as stated in their Product Disclosure Sheet.

What are the eligibility criteria to apply for MD Personal Loan?

The eligibility criteria for an MD Personal Loan application are simple. If you are a Malaysian citizen aged between 21 to 60 years and have a minimum monthly income of RM4,850 and above, you are eligible to apply for this loan. Simply hit the “Apply Now” button and we will assist your loan application accordingly.

What documents should I prepare to make an application?

Please prepare the following documents to apply for MD Personal Loan.

  • Copy of your IC (both sides)
  • Latest 3 months' pay slips
  • Latest 3 months' bank statement
  • Latest KWSP/EPF statement
  • Latest utility bill
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