Emicro Loan

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About this app

Emicro Services Sdn. Bhd. is a licensed moneylender registered under the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan or also known as KPKT). And we are also certified by Our Shariah Advisors for Tawarruq Emicro i-Financing Financing Products that empower financial services with fintech solutions.

Emicro i-Financing is is an app based financial services platform. With the Emicro app, you can apply for Shariah Concept-based financing anywhere and seamlessly on your smartphone.

Our i-Financing come with minimal document requirements and flexible repayment schemes to give you a peace of mind. All you’ll need is just the app to get started.
Product Info/Penerangan Produk

1.What is the financing amount and profit rate?/ Apakah jumlah pembiayaan dan kadar keuntungan?
a)Financing Amount (RM)/ Amaun Pembiayaan (RM): RM500 - RM10,000
b)Maximum Annual Percentage Rate (APR) : 18% per annum
Kadar Maksimum Tahunan (APR): 18% Setahun
c)Financing Tenure (months)/ Tempoh Pembiayaan : 3 - 24 Months/ Bulan
d)Selling Price/ Harga Jualan : Financing Amount + Total Profit / Jumlah Pembiayaan + Jumlah Keuntungan

2.How to calculate the monthly installment? / Macam mana ansuran bulanan dikira?
A = (P + (P X M X R))/ M
A = Monthly Installment Amount/ Jumlah Ansuran Bulanan
P = Financing Amount / Jumlah Pembiayaan
M= Financing Tenure (in months)/Tempoh Pembiayaan (dalam bulan)
R= Profit Rate per month (1.5%) / Kadar Keuntungan Sebulan (1.5%)
Example/ Contoh:
Financing Amount/ Jumlah Pembiayaan: RM3000
Installment Period (Months) / Tempoh Ansuran (Bulan): 12 Months / Bulan
Profit Rate per month (1.5%)

A = (RM3000 + (RM3000 X 12 X 1.5%))/ 12
= (RM3000 + (RM540))/ 12
= RM3540 / 12
Monthly Installment Amount/ Jumlah Ansuran Bulanan =RM295
Total Profit will be RM540 and Total Repayment will be RM3540
Jumlah Keuntungan adalah RM540 dan Jumlah Pembayaran adalah RM3540.

3.What other charges do I have to pay? / Apakah caj-caj lain yang perlu saya bayar?
a)Processing Fee / Yuran Pemprosesan: RM60 - RM 400
i.Maximum fee is RM400 / Yuran maksimum adalah RM400
b)Stamp Duty / Duti Setem: Included in processing fee/ Termasuk dalam yuran pemprosesan
c)Wakalah Fee / Yuran Wakalah: Included in processing fee/ Termasuk dalam yuran pemprosesan

4.What if I fail to fulfill my obligations? / Bagaimana jika saya gagal memenuhi tanggungjawab saya?
Late Payment Rate/ Kadar Bayaran Lewat : 1 % per annum/ 1% Setahun
Late Payment Recovery Services Fee/ Yuran Perkhidmatan Pemulihan pembayaran lewat : RM25 for any payment exceeding the 7th day of each due date/ RM25 untuk bayaran yang melebihi hari ke-7 hari bayaran.

Are you eligible for this Emicro i-Financing Program ?
Minimum annual income
Minimum age
21 years old
Maximum age
50 years old
Who can Apply
Not be blacklisted by CCRIS & CTOS


- Easy Application: You just need to ready your Identity card and fill in your details directly in our app.

- Fast Approval: Your application can be approved and get your cash today.*

-Maximum Annual Percentage Rate (APR) : 18% per annum

-Finance installment from 3 months to 24 months.

Product Disclosure Sheet Download: https://www.emicro.my/emicrops.pdf

* Fill in your details 
* Wait for credit check 
* Verify and digital sign
* Get your cash today!
* Subject to application made during business hours only.

Terms of Service:

Privacy Policy:

Feel free to reach us for inquiry:

Phone number: +60379711155
Email: enquiry@emicro.my
Address: Lot1901 19th Floor Tower 1 ,Faber Towers, Jalan Desa Bahagia,Taman Desa, 58100, Kuala Lumpur, Malaysia

Your Emergency. Our Priority.
Updated on
Aug 2, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

What's new

1.Fixed bugs