Approved in 15 minsWhat is Nimbura Personal Financing?
Nimbura Personal Financing is a short-term online personal financing product by Nimbura Sdn. Bhd., a licensed moneylender under KPKT (Licence No. WL7662/10/01-3/110127, valid until January 2027). You can borrow between RM300 and RM5,000 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 renovation, a wedding, or small business costs. Nimbura doesn't restrict the purpose, as long as funds are used lawfully.
What is the interest rate?
Nimbura charges a daily interest rate of 0.049%, which works out to 17.89% per annum. Interest is calculated only on the days you actually hold the financing.
For example: A RM2,000 financing over 90 days would accrue RM88.20 in interest (RM2,000 × 90 × 0.049%), bringing total repayment to RM2,088.20, or roughly RM696.07 per month.
What are the fees and charges?
- Stamp duty: 0.5% of the approved financing 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 settle my financing early?
Yes. You can settle the full outstanding amount at any time. No penalty fee applies for early settlement, and you only pay the principal and interest proportionate 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 payment fee of 0.021% per day (7.67% p.a.) on the overdue amount kicks in. The total late charges are capped at the overdue principal, so they can never exceed what you originally owed. Persistent non-payment may also result in account restrictions and debt recovery action.
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.
