Win an iPad!
Campaign Period: August – November 2025
1 iPad Winner will be selected after the campaign ends.
Application must be submitted via CTOS landing page flow
Loan subject to GXBank’s approval criteria
Here’s How It Works
Step 1: Check Your CTOS Credit Score
Sign up or log in to CTOS and complete your credit score check via this campaign page.
(Standard CTOS credit score check fees apply.)
Step 2: Apply for GX Flexicredit
After checking your score, submit your loan application via the official GX Flexicredit campaign page:
ctoscredit.com.my/creditfinder/gx-bank
Step 3: Get Approved to Qualify
Once your GX Flexicredit loan is approved during the campaign period, you’ll automatically qualify for the iPad prize draw.
Eligibility Requirements
- Malaysian citizens aged 18+
- Completed CTOS Score check via this landing page
- Applied for GX Flexicredit via the official CTOS link
- Loan application must be approved within the campaign period
Loan approval subject to GXBank’s internal eligibility criteria.
Prize fulfilled by CTOS. No data is shared between CTOS and GXBank.
Benefits
- Line of credit up to RM150,000
- Instant approval and disbursement
- Flexible repayments up to 60 months
- Interest as low as 3.78% p.a. (EIR 6.45% p.a.)
- Min monthly income of RM1,500
Fees and Charges
| Fee Type | Details |
|---|---|
| Interest Rate / APR: | As low as 3.78% p.a., depending on loan amount and period |
| Processing Rate: | None |
| Stamp Duty: | None |
| Early Termination Fee: | None |
| Late Penalty Fee: | 1% from current outstanding amount, and per annum |
Eligibility and Requirements
| Requirement | Details |
|---|---|
| Minimum Monthly Income: | RM1,500 |
| Minimum Age: | 21 to 64 years old |
| Who Can Apply: | Malaysians, Salaried employee, Self-employed |
FAQs
- What is FlexiCredit?
- Will I be charged any interest / fees if I do not use my line of credit?
- Can I make multiple loan drawdowns?
- Where can the funds be disbursed to?
- How long will it take for the funds to be disbursed?
- Why do I need to upload my KWSP i-Akaun statements in the application journey?
- What if I do not have a KWSP i-Akaun?
Terms and Conditions
- Please click here to view Terms & Conditions for GXBank FlexiCredit.
- Read the Product Disclosure Sheet for more information. Click here.
- For more information, please visit FlexiCredit.
- GXBank is a member of PIDM. Deposits are protected by PIDM up to RM250,000 for each depositor.
