Work out the numbers before you borrow. These use the same formulas as our loan offers, and nothing you enter is saved or sent anywhere.
Pick an amount and a period to see the monthly instalment, total interest and total repayment for a Personal Loan at 4.9% p.a., our rate for every period. The bars show how each instalment splits between principal and interest.
Each example below is calculated live with the same code as the calculator, so you can see what you'll get before you open it.
Check your debt service ratio and a comfortable amount to borrow.
Use it before you apply, to find a loan size your monthly budget can carry.
Repayments now take 22.5% of pay. The new instalment would be about RM 679.31 a month at 4.9% p.a., keeping all repayments within 40%.
See what settling early or paying part of the loan saves.
Use it if you already have a loan and are thinking of clearing it, or paying part of it, early.
You'd pay RM 15,181.87 to settle in full. We don't charge an early settlement penalty.
Find out what a quoted flat rate really costs per year.
Use it when another lender quotes a flat rate, so you can compare it with an annual rate on reducing balance.
The flat-rate loan has RM 2,000.00 of interest. At our rate of 4.9% p.a. over the same 24 months, the same amount has RM 1,036.76.
Estimates only. Every approved customer pays 4.9% p.a.; your approval and the amount we can lend depend on your assessment, and your adviser confirms your repayments before you sign.
They run the same calculations as our loan offers and repayment schedules, so the figures match what you'd see before you sign.
balance × annual rate ÷ 12Monthly instalment loans use a reducing balance. Each month's interest is the outstanding balance × annual rate ÷ 12, rounded to the sen. On RM 10,000 at 4.9% p.a., the first month's interest is RM 40.83.
amount × annual rate ÷ 360 × daysShort-term Loans, and settling or prepaying between due dates, count interest by the day at the annual rate ÷ 360. RM 2,000 for 30 days at 4.9% p.a. costs RM 8.17.
instalment = interest + principalEvery instalment is the same amount except the last, which clears the balance exactly. The principal parts add up to what you borrowed, with nothing added on top.
no sign-up, no credit checkThe calculations run in your browser. What you enter isn't saved or sent anywhere, and using a calculator doesn't involve a credit check.
Guides that explain the calculations in more depth, and the terms you'll see in the results.
No. The calculators show estimates at our published rate of 4.9% p.a. Every approved customer pays that rate. Approval and the amount you can borrow are decided by our licensed lending partner, and your adviser confirms your amount, term and instalment on WhatsApp before you sign anything.
4.9% p.a., the same rate for every period. The Personal Loan (3 to 108 months) and the SME Business Loan (6 to 108 months) use the same rate. The affordability calculator covers both loans. The early settlement calculator uses the rate in your own loan agreement.
No. Nothing you enter is saved or sent anywhere, and no credit check is made. Our licensed lending partner checks CCRIS/CTOS only after you submit an application, with your consent.
Some calculators show a rate that compounds the monthly rate over 12 months, which comes out a little higher. Ours shows the annual rate on reducing balance (12 × the monthly rate), the same way we quote our own rates. Settlement figures can also differ if you pay between due dates, because interest is added by the day since your last due date.
Work out your monthly repayment first with our calculator. Your adviser confirms your rate before you sign, and applying doesn't commit you to borrow.