Personal Loan
A personal loan is a loan that can be taken out by all Malaysia citizens that have a source of income. This is a loan scheme which provides loans to regularly salaried employees with a monthly repayment plan to meet their personal needs. A personal loan can also be defined as a short term loan and it may be the answer to your short-term cash needs. This is because a personal loan normally has a repayment period that is shorter than other types of loan such as housing loan or a mortgage. We’ve got a personal loan to meet your need, and the personalized service to back it up. Rate reductions, no closing costs, and consultation fees. To be truly effective as a money lender adviser, we believe it is important to offer a wide range of services and solutions. Easy to get the process started right now.
Get to Know About
Finance Smarter. Finance Faster.
At ISS Capital, we make financing effortless with a seamless process, quick approvals, and personalized support.
Personalized Loan Solutions
We design loan packages based on your unique financial needs, ensuring a plan that suits your lifestyle and goals.
Flexible Payment Options
Enjoy competitive rates with flexible repayment terms that give you greater financial control and ease.
Fast & Hassle-Free Process
A straightforward application process with quick approvals means you get your funds without unnecessary delays.
Dedicated Support
Our expert loan specialists are here to guide you every step of the way, ensuring a smooth and stress-free experience.
Eligibility
1. Malaysian citizens aged between 18 to 60
2. Meet the requirement of minimum wage standard (including total salary, fixed allowance and other non-fixed income)
3. Other terms and conditions stipulated by ISS Capital Loan
Required Documents
1. For Salaried Employee
- Copy of Malaysian ID card.
- Latest 3 months of salary slips.
- Latest 3 months of bank statements.
- Latest EPF or tax declaration form (BE form).
- Utility bills: electricity, water, etc.
2. For Self-employed
- Copy of Malaysian ID card.
- Business Registration Document (SSM).
- Latest 6 months of bank statements.
- Latest 6 months of invoices/payment vouchers.
- Utility bills: electricity, water, etc.
Interest Rates
Our interest rates are capped by the Money Lenders Act 1951. The actual rates vary depending on the loan amount and profile of the borrower.
