Fast & Easy Application Process
Personal Loan for Private Sector
We simplify the lending process so you can focus on what matters.
Licensed Moneylender Personal Loans
Personal Loan for the Private Sector
From debt consolidation to home improvement, GW Credit delivers flexible loan solutions designed for you. With a fast and easy application process, quick approvals, and competitive rates, we make financing simple—supported by a team committed to exceptional customer service.
Eligibility
- Malaysian citizens only.
- 18 to 60 years old.
- A minimum gross income of RM 1,000.00 is required.
- The minimum loan is RM 1,000.00 while the maximum is RM 10,000.00.
Personal Loan for Private Sector
Highlights and Benefits
Fees & Charges
No hidden compounding interest rates.
Reliable choice
What Our Satisfied Customers Say
Cepat berurusan dengan GW...staff yang mudah berkomunikasi...terima kasih
Trusted Partner for Growth
Frequently asked questions about Personal Loan
Trusted by Thousands of Customers for Reliable Financing
You may qualify if you meet the following criteria:
- Malaysian citizen aged 20 to 60 years old
- Employed for at least 3 months
- Minimum monthly income:
- RM1,500 (Semenanjung Malaysia)
- RM1,200 (Sabah & Sarawak)
- Not declared bankrupt
- No serious records under CCRIS (for selected lenders)
- Able to afford monthly repayments
Interest rates typically range from:
- 12% per annum (with collateral)
- 18% per annum (without collateral)
No. There are no upfront or processing fees charged to borrowers.
No. All lenders we work with will never request or hold your ATM card.
Loan approval can be as fast as within 1 working day, depending on the completeness of your documents and information.
Salaried employee
1. Original identity card (front and back).
2. Latest 3 months of salary slips/payslips.
3. Latest 3 months of bank statements.
4. Latest EPF or tax declaration form (BE form).
5. Utility bills: electricity, water, etc.
Monthly estimates
Loan Repayment Schedule
Estimated monthly repayments based on 1.5% monthly interest rate.
| Loan Amount | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|
| RM 5,000 | RM 492 | RM 283 | RM 214 | RM 179 | RM 158 |
| RM 10,000 | RM 983 | RM 567 | RM 428 | RM 358 | RM 317 |
| RM 20,000 | RM 1,967 | RM 1,133 | RM 856 | RM 717 | RM 633 |
| RM 30,000 | RM 2,950 | RM 1,700 | RM 1,283 | RM 1,075 | RM 950 |
| RM 50,000 | RM 4,917 | RM 2,833 | RM 2,139 | RM 1,792 | RM 1,583 |
| RM 80,000 | RM 7,867 | RM 4,533 | RM 3,422 | RM 2,867 | RM 2,533 |
| RM 100,000 | RM 9,833 | RM 5,667 | RM 4,278 | RM 3,583 | RM 3,167 |
| RM 150,000 | RM 14,750 | RM 8,500 | RM 6,417 | RM 5,375 | RM 4,750 |
| RM 200,000 | RM 19,667 | RM 11,333 | RM 8,556 | RM 7,167 | RM 6,333 |