- Flexible Cash Financing
i-Personal Financing
- What is i-Personal Financing
Bigger Cash of up to RM15,000 with Easy Repayments up to 36 Months
Need more financing for bigger commitments?
Get instant cash from RM5,000 to RM15,000 with easy, flexible repayment options designed to suit your financial needs. Choose from 12, 24 or 36-month repayment tenures that best fit your budget.
No face-to-face meetings, apply directly online! 100% Shariah-compliant.
- Benefits of i-Personal Financing
Enjoy These Perks From i-Personal Financing
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Bigger Financing
Get up to RM15,000 to manage bigger financial commitments.
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Easy Repayment Plan
Choose a repayment period of 12, 24 or 36 months.
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Support for Major Expenses
Hadapi perbelanjaan luar jangka dan keperluan mendesak dengan lebih tenang, walaupun bajet bulanan anda ketat atau sementara menunggu gaji seterusnya.
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Quick Approval & Fast Updates
Receive an update on your application status within 48 hours.
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Data Dilindungi & Selamat
Your data stays protected. Apply easily online with no face-to-face meetings required.
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Shariah-Compliant
Enjoy financing that is 100% Shariah-compliant.
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Bimbingan Pengurusan Kewangan
Nikmati sokongan kewangan 24/7 dengan bantuan AI untuk membimbing kewangan anda secara kesulurahan di myIBPO+. Urus kewangan anda dengan lebih bijak melalui pemeriksaan kesihatan kewangan, pelbagai fungsi kewangan dan perancangan bajet, peringatan bayaran pintar, dan banyak lagi.
Enjoy myIBPO+ for FREE
Get complimentary access to myIBPO+ Premium Plus throughout your i-Personal Financing plan. Enjoy it FREE throughout your financing journey, worth RM 598.80/year (excl. SST).
Stay supported throughout your financing journey with smart financial insights and an all-in-one AI dashboard that gives you a complete view of your loans and financing.
Get personalised financial analysis, on-demand guidance from the all-new ANIKA 2.0 financial consultant chatbot and access to smart tools to help you better manage your finances.
*Complimentary Premium Plus access is renewed annually throughout your i-Personal Financing tenure of 12, 24 or 36 months, subject to maintaining a good repayment record.
- Manfaat Pembiayaan Kami
Lebih Banyak Manfaat Dengan IBPO
Perkhidmatan Inovatif Dikuasakan AI
Ekosistem AI kami yang canggih, digabungkan dengan kepakaran kewangan, memberikan sokongan yang lebih pintar, lebih pantas dan lebih menyeluruh untuk keperluan kewangan anda.
Jangkauan Global, Kepakaran Tempatan
Kerjasama kami dengan perbankan global memastikan anda mendapat kadar eksklusif. Manakala agensi pelaporan kredit seperti CTOS, Experian dan Credit Bureau Malaysia, membolehkan anda menikmati laporan kredit percuma.
Panduan Kewangan Profesional
Kami permudahkan pembiayaan dan komitmen kewangan anda. Manfaatkan panduan pakar untuk menggabungkan semua hutang anda ke dalam satu struktur yang lebih mudah diurus.
Proses Kelulusan Mudah
Kami bangga dengan kadar kelulusan bank yang tinggi, didorong oleh kepakaran kewangan dalaman serta kerjasama strategik dengan rakan kongsi di peringkat global.
- More About i-Personal Financing
Butiran yang Anda Perlu Tahu
i-Personal Financing Amount
- RM5,000 – RM15,000 financing amount
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Easy repayment plans available
• 12 months
• 24 months
• 36 months - 1.5% - 2% Profit rate per month
- 5% Processing fee. Capped at RM 300
- 0.5% Stamping fee, per the Stamp Act 1949
- Receive funds as soon as the next working day after approval
- 100% Shariah-compliant based on the concept of Tawarruq
- Fully online application
Syarat Kelayakan
- Warganegara Malaysia
- Aged 21 – 55 years old
- Bekerja dengan majikan atau bekerja sendiri
- Minimum gross monthly salary of RM 2,500
- Steps to Apply fo i-Personal Financing
Mulakan Perjalanan Kewangan Anda Bersama Kami
Daftar akaun di myIBPO+
Lakukan pengesahan e-KYC
Submit
documentation
• Slip gaji terkini 3 bulan.
• Penyata bank 3 bulan terkini.
Penyata KWSP terkini (tahun semasa)
