Payday Financing

0% Interest Cash Before Your Next Paycheck

We understand things can get tight at month-end, while waiting for your salary. Whether it’s unexpected bills, monthly essentials, or urgent commitments, our Payday Financing gives you fast, interest-free cash when you need it most. No delays, no stress!

Get up to RM1,000 before your next salary.

Enjoy These Perks From Payday Financing

0% Interest
No hidden fees. Subscribe to myIBPO+ and enjoy exclusive access to zero-interest financing anytime. Premium Plans start from as low as RM35/month. More details below.
Quick Approval & Easy Disbursement
Apply on myIBPO+ and receive your cash directly into your bank account.
Emergency Coverage
Be prepared for sudden expenses and urgent needs during tight months or until the next paycheck.
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.
Confidential & Secured
Your data stays protected. 100% online application, no physical meet-ups.

Unlock Exclusive 0% Interest Financing! Only on myIBPO+

Subscribe to our online customer financial portal, myIBPO+, and enjoy exclusive benefits including our zero-interest Payday Financing upon activation.

Other exciting features include intelligent financial insights on an all-in-one dashboard, where you can view all your loans or financing across multiple banks in real-time. Reduce commitments, shorten loan tenures with our flagship programs, and get answers to any financial questions using the all-new and improved ANIKA 2.0 chatbot.

Each premium plan offers different financing limits, so you can choose the one that best fits your needs.

Learn more about myIBPO+

Note: All first-time applicants can request financing of RM300 as a starting amount. Financing limits may increase over time with successful payment history.

Free Insurance Protection with Every Premium Plan!

Enjoy peace of mind with complimentary insurance coverage* of up to RM54,000 once your Payday Financing application is successfully approved.

In the unfortunate event of death or accidental death, your loved ones will be financially protected, easing the burden of unpaid debts or commitments.

*This life insurance plan is underwritten by FWD Insurance Berhad No.199301022976 (277714-A). Terms and conditions apply.

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.

Details You Must Know

Payday Financing amount:

RM 300
RM 500
RM 1,000
*Payday Financing amount varies according to each Premium Plan.
0% interest and no hidden fees.
Faster approval compared to long-term financing.
Higher Payday Financing with every successful payment.
Recurring payday cash is credited monthly as long as the Premium plan is active, and payments are up to date. Customers must opt out to discontinue the Payday.