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  • 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

  • Bigger Financing

    Get up to RM15,000 to manage bigger financial commitments.

  • Easy Repayment Plan

    Choose a repayment period of 12, 24 or 36 months.

  • Support for Major Expenses

    Be prepared for sudden expenses and urgent needs during tight months or until the next paycheck.

  • Quick Approval & Fast Updates

    Receive an update on your application status within 48 hours.
  • Confidential & Secured

    Your data stays protected. Apply easily online with no face-to-face meetings required.
  • Shariah-Compliant

    Enjoy financing that is 100% Shariah-compliant.

  • Financial Wellness Support

    Enjoy 24/7 financial support with AI assistance to guide your finances overall on myIBPO+. Stay on track with health checks, financial tools, budgeting tools, smart bill reminders and more.

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.

  • Our Financing Advantages

Gain More With IBPO

Innovative AI-Powered Service

Our cutting-edge AI ecosystem, combined with financial expertise, delivers smarter, faster, and more reliable support for your financial needs.

Global Reach, Local Expertise

Our partnerships with global banks ensure you get exclusive rates. While local credit agencies such as CTOS, Experian and Credit Bureau Malaysia, allow you to enjoy free credit reports.

Expert Recommendations

We simplify your financing and commitments. Benefit from expert guidance to merge all your debts into one efficient structure.

Seamless Approvals

We pride ourselves on our high bank approval rates, attributed to our in-house financial expertise and global partnerships.

  • More About i-Personal Financing

Details You Must Know

i-Personal Financing Amount

  • RM5,000 – RM15,000 financing amount
  • 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

Eligibility Requirements

  • Must be a Malaysian citizen.
  • Aged 21 – 55 years old
  • Employed or self-employed
  • Minimum gross monthly salary of RM 2,500
  • Steps to Apply fo i-Personal Financing

Start Your Financial Journey With Us Now

Apply for i-Personal Financing
01
Create an account on myIBPO+
02
Complete e-KYC verification
03
Submit
documentation
• Latest 3 months’ salary slips.
• Latest 3 months’ bank statements.
• Latest EPF Statement (current year).
04
Wait for approval
and disbursement.