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?
|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)
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
– 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)
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)