Approved in 15 mins(Last updated: 28 August 2026)
What is Nimbura Personal Financing?
Nimbura Personal Financing is a short-term online personal financing product by Nimbura Sdn. Bhd. (202001030236 (1386556-P)), a licensed moneylender under KPKT (Licence No. WL7662/10/01-3/110127, valid until January 2027).
You can apply entirely online with no branch visits, no collateral, and no guarantor needed. Funds are disbursed directly to your bank account immediately, and the entire application takes only 10 minutes to complete.
What can I use this personal financing for?
You can use it for any legitimate personal need, such as medical bills, education fees, home renovations, weddings, or small-business costs. Nimbura doesn't restrict the purpose, as long as funds are used lawfully.
What is the financing amount, and the interest rate?
You can borrow between RM300 and RM5,000 with Nimbura Personal Financing, over tenures of 3 to 6 months at an interest rate of 17.89% per annum.
Formula: I = (P + P×R×T)/M
Where:
P = Principal Loan Amount (e.g. RM5,000.00)
R = Annual Flat Interest Rate (17.89% / 0.1789)
T = Loan Tenure in years (e.g. 0.5)
M = Total Repayment Period in months (e.g. 6)
For example, RM5,000 loan over a 6-month tenure gives a total interest of RM447.25, bringing your total repayment to RM5,447.25, or about RM907.88 per month. This calculation does not include fees. Your actual monthly repayment will vary slightly once stamp duty and other charges are added.
Since flat-rate interest is charged on the full principal throughout the tenure, the true annual cost is higher than the stated 17.89%. Note that the Effective Interest Rate (EIR) changes with tenure, so a different loan tenure will produce a different EIR.
- 3 months: 26.64% p.a.
- 4 months: 28.29% p.a.
- 5 months: 29.34% p.a.
- 6 months: 30.05% p.a.
What are the fees and charges?
- Stamp duty: 0.5% of the approved financing amount, minimum RM10
- Late penalty fee: A late penalty fee may apply, limited to compensation for actual loss incurred. Penalty fees on default are restricted under the Moneylenders Act 1951
Can I settle my financing early?
Yes. You can settle the full outstanding amount at any time. No penalty fee applies for early settlement, and you pay only the principal and interest, proportional to the days you used the financing.
How do I make my monthly repayments?
Repayments are made online via Nimbura's website or mobile app. Your repayment schedule, due date, and amount payable will all be shown in your account. If you need more time, you can request a 30-day extension before your due date by logging in and making the applicable payment, and a new agreement will be issued.
What happens if I'm late with my repayment?
A late penalty fee may apply, limited to compensation for actual loss incurred. Penalty fees on default are restricted under the Moneylenders Act 1951.
Who is eligible to apply?
- Malaysians with a valid IC
- Aged between 20 and 70 years old
- Active bank account with any Malaysian bank
- Not an undischarged bankrupt
Meeting these criteria doesn't guarantee approval. Nimbura assesses each application individually based on its internal credit and risk criteria.
What documents do I need to prepare?
- Valid IC (identity verification is done via e-KYC)
- Active bank account details for disbursement
The application is fully digital. Additional documents may be requested on a case-by-case basis.
Am I qualified to apply if I'm blacklisted?
Being on a credit blacklist does not automatically disqualify an applicant. Nimbura conducts its own internal credit assessment, and each application is reviewed individually. Undischarged bankrupts, however, are not eligible to apply.
How can I reach out to Nimbura for any enquiries?
Got questions about your Nimbura Personal Financing, or want to flag an issue? Here's how to reach them directly:
- Customer service hotline: 03-2729 5700, available on workdays from 8:30 AM to 5:30 PM
- Submit a complaint: [email protected]
- Office address: Level 8-1, Tower 9, The Horizon, Avenue 5, Bangsar South, 59200 Federal Territory of Kuala Lumpur
Nimbura is licensed under the Ministry of Housing and Local Government (KPKT), so any disputes that can't be resolved directly with the company can also be escalated to KPKT.
