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Easy-Pinjaman Ekspres - Personal Financing

Require access to funds urgently? Wait no longer. Bring along your MyKad and head to the nearest Easy branch to apply for a personal loan and obtain instant approvals and loan disbursement.

Unique features:

  • On-the-spot approval and disbursement
  • Flexible Personal Financing amounts from RM2,000 to RM50,000
  • Low monthly installment amount from less than RM60 per month
  • Flexible loan repayment tenure of up to 5 years (60 months)

Benefits:

  • Get the Easy Visa Debit Card with the approved loan
  • Convenient monthly repayment through standing instruction

*Terms & Conditions apply

View product disclosure sheet

Easy-Pinjaman Ekspres Repayment Schedule

Tenure (Month) / Loan Amount (RM) Loan Instalment Amount
12 18 24 30 36 42 48 54 60
2,000 189 133 106 89 78 71 65 61 58
3,000 284 200 159 134 118 106 98 91 86
4,000 378 267 211 179 157 142 130 122 115
5,000 473 334 264 223 196 177 163 152 144
6,000 567 400 317 268 235 213 196 183 173
7,000 662 467 370 313 275 248 228 213 201
8,000 756 534 423 357 314 283 261 244 230
9,000 851 600 476 402 353 319 293 274 259
10,000 946 667 529 446 392 354 326 305 288
11,000 1,024 718 565 474 414 372 341 317 298
12,000 1,117 783 617 518 452 406 372 345 325
13,000 1,210 848 668 561 490 440 403 374 352
14,000 1,304 913 719 604 527 473 434 403 379
15,000 1,397 979 771 647 565 507 464 432 406
16,000 1,490 1,044 822 690 603 541 495 460 433
17,000 1,583 1,109 874 733 640 575 526 489 460
18,000 1,676 1,174 925 776 678 609 557 518 487
19,000 1,769 1,240 976 819 716 643 588 547 514
20,000 1,862 1,305 1,028 863 754 676 619 576 541
21,000 1,955 1,370 1,079 906 791 710 650 604 568
22,000 2,049 1,435 1,130 949 829 744 681 633 595
23,000 2,142 1,501 1,182 992 867 778 712 662 622
24,000 2,235 1,566 1,233 1,035 904 812 743 691 649
25,000 2,328 1,631 1,285 1,078 942 846 774 719 676
26,000 2,421 1,696 1,336 1,121 980 879 805 748 703
27,000 2,514 1,762 1,387 1,165 1,017 913 836 777 730
28,000 2,607 1,827 1,439 1,208 1,055 947 867 806 757
29,000 2,700 1,892 1,490 1,251 1,093 981 898 835 785
30,000 2,793 1,957 1,542 1,294 1,130 1,015 929 863 812
31,000 2,887 2,023 1,593 1,337 1,168 1,048 960 892 839
32,000 2,980 2,088 1,644 1,380 1,206 1,082 991 921 866
33,000 3,073 2,153 1,696 1,423 1,243 1,116 1,022 950 893
34,000 3,166 2,218 1,747 1,466 1,281 1,150 1,053 978 920
35,000 3,259 2,284 1,798 1,510 1,319 1,184 1,084 1,007 947
36,000 3,352 2,349 1,850 1,553 1,356 1,218 1,115 1,036 974
37,000 3,445 2,414 1,901 1,596 1,394 1,251 1,146 1,065 1,001
38,000 3,538 2,479 1,953 1,639 1,432 1,285 1,177 1,094 1,028
39,000 3,631 2,545 2,004 1,682 1,469 1,319 1,208 1,122 1,055
40,000 3,725 2,610 2,055 1,725 1,507 1,353 1,239 1,151 1,082
41,000 3,818 2,675 2,107 1,768 1,545 1,387 1,270 1,180 1,109
42,000 3,911 2,740 2,158 1,811 1,582 1,420 1,301 1,209 1,136
43,000 4,004 2,806 2,210 1,855 1,620 1,454 1,332 1,237 1,163
44,000 4,097 2,871 2,261 1,898 1,658 1,488 1,362 1,266 1,190
45,000 4,190 2,936 2,312 1,941 1,695 1,522 1,393 1,295 1,217
46,000 4,283 3,001 2,364 1,984 1,733 1,556 1,424 1,324 1,244
47,000 4,376 3,067 2,415 2,027 1,771 1,590 1,455 1,353 1,272
48,000 4,469 3,132 2,467 2,070 1,808 1,623 1,486 1,381 1,299
49,000 4,563 3,197 2,518 2,113 1,846 1,657 1,517 1,410 1,326
50,000 4,656 3,262 2,569 2,156 1,884 1,691 1,548 1,439 1,353

 

Category Loan Amount Capping Interest Rate
from (p.a.)
Minimum Maximum
Tier 1 RM2,000 RM10,000 13.38%*
Tier 2 RM11,000 RM50,000 11.63%*

*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards. Complete interest rate tier (Flat rate & Effective interest rate or EIR).

Interest is charged upfront on the loan amount approved and interest is pre-computed for the entire tenure based on "Rule 78".

Tier 1: from 13.38%p.a. flat that is equivalent to EIR 24% p.a.
Tier 2 from 11.63% p.a. flat that is equivalent to EIR 21% p.a.

The EIR rate may be higher if the monthly payment is not regular.

Documents Required

Document Required Salaried Self-employed Commission
Earner
MNCs NON-MNCs Govt.
Copy of MyKad
(front and back)
Form 9, 24, 49 or
Business Registration
Certificate
       
Salary Slip or
Commission Statement

1 Month
θ
1 Month

1 Month
 
6 Months
Bank Statement
1 Month
θ
1 Month

1 Month

6 Months

6 Month
EPF Statement
6 Months

6 Months
     
Latest Form B/BE
(with validated receipt
of payment to LHDN)
     
   
Mandatory
Any of the documents listed combined with the mandatory documents
θ Combination of the documents listed combined with mandatory documents

NOTE: Bank may require up to 6 months of income documents if the income comprise of variable components (Overtime, Allowances, Commission & etc).