Why might an individual choose to apply for a personal loan? One of the reasons for personal loan for this is that they need some extra cash on hand.

Are you a civil servant interested in applying for a personal loan from banks and koperasi (cooperatives), but not sure how to check your eligibility?

One of the benefits of working as a civil servant is that you are entitled to a variety of Islamic personal loan that are Syariah-compliant, which serves as a great alternative as compared to those who are self-employed or working in the private sector.

People these days have easy access to credit. You can either apply for a personal loan or swipe your credit card to obtain money for emergency, important milestone spending, or to fund lifestyle needs.

Personal loans are popular among individuals in Malaysia due to their wide availability.

The biggest cargo people carry these days is debt. Borrowing, including the use of credit cards, is habit-forming. Once you get caught in the habit, you run the risk of spending more than you can really afford.

Are you currently short on funds and thinking of applying for a personal loan, but not sure how to? Or you have apply and wonder how does your personal loan approved?

It cannot be denied that taking up loan is risky especially if the borrower has a bad repayment pattern and lack of money management skill.