Getting to know Koperasi Xanderia Personal Loan
Xanderia Koperasi Personal Loan is a Shariah-compliant personal financing specifically designed for civil servants in Malaysia. Xanderia Berhad focuses on a fully digital application process with quick and easy approval. Like most other cooperative loans, this loan does not require a guarantor or collateral. Monthly installments are directly deducted through ANGKASA, making it a practical choice for government employees.
Special Loan Features
- Financing amount up to RM200,000
- Financing tenure from 1 year to 12 years
- Payout: 80% of the total financing amount
- Fixed Rate: 6.99% per year
- Repayment via ANGKASA deduction
- No membership fees
- No guarantor or collateral required
- Shariah-compliant
- Financing is not covered by Takaful
- Processing Time: 1–2 working weeks
Applicant Requirements
- Malaysian citizens aged between 22 and 55 years
- Selected government, statutory body, or GLC employees (except Armed Forces members)
- Permanent position with a minimum of 1 year of service
- Minimum fixed income of RM2,000 per month
- No court cases, SAA accounts, debt judgments, or AKPK arrears exceeding RM50,000
- No bankruptcy records
- Contract government employees are not eligible to apply
A Smart Choice for Civil Servants with Less-Than-Perfect Credit Records
Are you a civil servant in need of quick cash but have records in CCRIS, CTOS, or AKPK? Don’t worry — the Xanderia Cooperative Loan is specially designed to help you access safe, Shariah-compliant financing.
Interestingly, this loan gives an opportunity to those with low credit scores or who have been rejected by banks before to still qualify for financing.
The fixed profit rate offered is 6.99% per year, slightly higher than bank loans — yet still competitive compared to many other cooperative loans in the market. The payout is 80% of the total financing amount, ensuring you receive a reasonable amount of cash after management fees.
This loan is ideal for those who want to consolidate existing debts, cover emergency needs, or stabilize monthly finances in a safer, more structured way.
Apply for your Xanderia Cooperative Loan through Direct Lending, a legitimate, fast, secure, and 100% free online loan platform. Check your eligibility today and let us help you get the best financing suited to your financial situation.
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Frequently Asked Questions
The Xanderia Cooperative Loan is a Shariah-compliant personal financing designed specifically for civil servants in Malaysia. It’s ideal for those seeking additional cash or looking to restructure existing debts.
This loan is open to civil servants aged 22 to 55, with a permanent position and at least 1 year of government service. Applicants must have salary deductions via ANGKASA.
Yes. All financing provided by Xanderia Berhad is 100% Shariah-compliant, offering a safe and ethical alternative to conventional loans.
Yes. The Xanderia Cooperative Loan is specially designed to assist applicants with less-than-perfect credit, including those listed in CCRIS, CTOS, or AKPK.
The loan offers a fixed profit rate of 6.99% per year, subject to eligibility assessment.
Applicants can receive up to 80% of the approved financing amount, ensuring a reasonable cash payout after management fees.
The loan term typically ranges from 1 to 12 years, depending on the approved financing amount and individual eligibility.
No. The Xanderia Cooperative Loan does not require a guarantor or collateral, making it easier for civil servants to apply.
You can apply online through Direct Lending, a legitimate, fast, and 100% free loan platform.
Apply and check your eligibility 100% free. No hidden charges or processing fees. To apply, click HERE .
Yes. Xanderia is listed as one of the best personal and cooperative loans for civil servants in 2025 by Direct Lending. It’s especially suitable for applicants with CCRIS, CTOS, or AKPK records. With a Shariah-compliant structure, a fixed profit rate of 6.99% per year, and payouts up to 80%, it’s an easier and safer alternative to conventional bank loans.
One of the main uses of this loan is to help civil servants improve their credit records (CCRIS, CTOS, AKPK, or SAA). By consolidating high-interest debts into a single, more affordable loan, applicants can better manage their finances and have a chance to improve their credit score. Learn more about how to clear CCRIS/CTOS records with structured financing.
*Subject to terms and conditions. Xanderia cooperative financing offers floating rates starting from 6.99% p.a. with flexible repayment tenures from 1 to 12 years. Loan approval is subject to eligibility criteria.