Interest Rates

RM500 - RM1,000
up to 6 months
min. RM18,000
18% p.a.
RM1,001 - RM3,000
up to 6 months
min. RM24,000
18% p.a.
RM3,001 - RM5,000
up to 12 months
min. RM36,000
18% p.a.
RM5,001 - RM10,000
up to 24 months
min. RM48,000
18% p.a.

Fees & Charges

Interest Rate / APRAs low as 18% p.a., depending on loan amount and period
Processing FeeRM60, max. RM400 depending on the loan amount
Stamp Dutyincluded in the Processing Fee
Early Termination FeeNone
Late Penalty FeeRM25 or 8%  from current outstanding amount

Fast Loans Requirements

Emicro accepts fast loan application from any Malaysian aged between 21 to 45 years old. In order to process your application, please prepare:

  • Original MyKad (Front/Back)
  • Your selfie, holding MyKad (to avoid identity fraud)
  • Latest salary slip or EPF Statement
  • Utility bills (electricity/water/maintenance, etc)

Emicro Fast Microloans Repayment

There are a few easy ways to repay your personal loan:

Online banking 

Transfer the money to Emicro bank account and enter your ID number or mobile number as the reference. Next step, upload the transfer slip to Emicro web or app.

FPX online banking

Pay via FPX online banking in Emicro web or App.

ATM transfer

Make the repayment via ATM transfer to the company bank account. After that, upload the transfer slip to Emicro website or app.


Repay your microloan via JomPAY and upload the slip to Emicro web or app.

Apply Now

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