Emicro Offers Fast and Hassle-Free Financial Assistance

Emicro is a licensed money lender company in Malaysia registered under the Ministry of Housing and Local Government (Kementerian Perumahan Dan Kerajaan Tempatan) where you can apply for micro-credit directly via your mobile. Emicro offers innovative ways and technology to make financial services easier and faster compared to traditional financial channels.

Why Use Emicro?

  • Easy application: You only need to fill your details directly into our app and submit to us, no meet up required.
  • Fast approval: Your application can be approved within a day, and you can get your cash on the same day.*
  • Fixed interest rate at 1.5% per month.
  • Finance installment from 3 months to 24 months.

How Much Can You Borrow?

Amount Loan Period Minimum Income Interest Rate
RM500 – RM1,000 3 months RM18,000 18% p.a.
RM1,001 – RM3,000 6 months RM24,000 18% p.a.
RM3,001 – RM5,000 12 months RM36,000 18% p.a.
RM5,001 – RM10,000 24 months RM48,000 18% p.a.

What Do You Pay For?

Interest Rate
18% p.a.
Processing Fees (Includes Stamp Duty and Legal Fees)
RM 60 – RM400
Late Payment Interest
8% p.a. from current outstanding amount
Late Penalty Fee
RM25 for any remaining portion of principal or interest not paid within 7 days after due date
Early Termination Fee

Are You Eligible?

Minimum Annual Income
RM18,000 (minimum RM1,500 per month)
Age Range
21 – 50 years old

What Documents Do You Need?
– Original MyKad (Front/Back)
– Selfie while holding MyKad
– Latest salary slip/EPF Statement
– Utility bills (Electricity/Water/Maintenance/etc.)

How Do You Make Repayments?
– Online banking
– ATM transfers
– JomPAY
– FPX online banking


Here’s how to apply:
– Fill in your details
– Wait for the credit check
– Verify and add your digital signature
– Get your cash

* Subject to application made during business hours only.

Product disclosure sheet download: //www.emicro.my/emicrops.pdf

Feel free to contact us for inquiry:
Hotline: 1800 88 8668 (Toll Free)
Phone number: +60379711155
Operation hours: Monday – Friday (9.00 AM – 6.00 PM)
Email: enquiry@emicro.my

Licence No : WL5789/14/01-7/210820
License Validity : 22/8/2018 – 21/8/2020
Ad Permit No : WP5789/14/01-6/210820
Ad Permit Validity : 21/8/2020

Interest rate not exceeding : 12% p.a (with collateral) 18% p.a (without collateral)