Metro Pinjaman Berlesen
Personal & Business Loan Options
Choose between personal loan and business loan options, review the required documents, and contact Metro Pinjaman Berlesen for application support.
Personal Loan
A personal loan might be right for you if you want to fund a big expense or consolidate debt. This loan scheme provides loans to individuals with a source of income and comes with a monthly repayment plan to meet personal needs.
View required documents
Personal-loan amount
Minimum monthly salary of RM3,000 and a steady source of income.
Monthly repayment plan
A personal loan can also be defined as a short term loan and may be the answer to short-term cash needs because the repayment period is normally shorter than other types of loan such as housing loan or a mortgage.
Business Loan
Explore business loan support for working capital, stock purchases, overheads and other business activities.
View required documents
Working capital support
Funds may be used for purchasing stock, managing overheads and other business activities, to fulfil working capital needs.
Business funding information
Metro Pinjaman Berlesen offers services and solutions for small businesses and corporate groups with financing needs.
Loan Comparison
Compare personal and business loan options so you can choose the financing that fits your needs.
Compare loan types
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Personal Loan For individual needs
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Business Loan For company growth
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Loan details
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Best for
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Big expenses, debt consolidation, major purchases, or short-term cash needs
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Working capital, purchasing stock, managing overheads, or business activities
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Indicative rate
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Flat interest rates for unsecured personal and business loans start from 8% per annum, subject to credit assessment and approval. Approved flat interest rates and repayment terms must meet the maximum APR ceiling. Your quotation will disclose the approved rate, financed charges, repayment schedule and total repayment. The maximum Annual Percentage Rate (APR) is 18%, including interest and applicable fees, for unsecured personal and business loans. Flat interest rates for secured loans start from 4% per annum, subject to credit assessment and approval. The maximum annual interest rate is 12%. Your quotation will disclose applicable charges, APR, repayment terms and total repayment.
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Flat interest rates for unsecured personal and business loans start from 8% per annum, subject to credit assessment and approval. Approved flat interest rates and repayment terms must meet the maximum APR ceiling. Your quotation will disclose the approved rate, financed charges, repayment schedule and total repayment. The maximum Annual Percentage Rate (APR) is 18%, including interest and applicable fees, for unsecured personal and business loans.
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Loan amount
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Personal loans range from RM500 to RM100,000, with repayment periods from 6 to 60 months. Secured and unsecured options are available, subject to credit assessment and approval.
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Business-loan amount limits have not been separately confirmed. Contact us for a quotation.
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Repayment tenure
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Minimum repayment period: 6 months. Maximum repayment period: 60 months. Terms are subject to credit assessment and approval.
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Business-loan repayment periods have not been separately confirmed. Contact us for a quotation.
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Review the loan-cost example below. Final terms are subject to credit assessment and approval.
Required Documents
Prepare the relevant documents before submitting your loan enquiry.
Personal Loan Documents
- ✓NRIC and contact number
- ✓Latest 3 months' payslips
- ✓Latest 3 months' bank statements
- ✓Latest electricity bill
- ✓Latest water bill
- ✓Sale and Purchase Agreement, where applicable
- ✓Tenancy agreement, where applicable
- ✓Latest EPF statement
Business Loan Documents
- ✓NRIC copy
- ✓Name card
- ✓Borang B
- ✓Borang D
- ✓Latest 3 months' bank statements
- ✓Sale and Purchase Agreement, where applicable
- ✓Utility bill
- ✓Form 24/49
- ✓Form 42
- ✓Form 11A
- ✓Latest EPF statement
Need help preparing your documents?
Contact our team if you need help understanding the application requirements.
Metro Pinjaman Berlesen
Personal loan costs
Review the repayment terms, maximum APR, fees and representative example before applying.
Personal-loan amount
Personal loans range from RM500 to RM100,000, with repayment periods from 6 to 60 months. Secured and unsecured options are available, subject to credit assessment and approval.
Minimum and maximum repayment period
Minimum repayment period: 6 months. Maximum repayment period: 60 months. Terms are subject to credit assessment and approval.
Maximum APR — unsecured loans
The maximum Annual Percentage Rate (APR) is 18%, including interest and applicable fees, for unsecured personal and business loans.
Unsecured personal and business loans
Flat interest rates for unsecured personal and business loans start from 8% per annum, subject to credit assessment and approval. Approved flat interest rates and repayment terms must meet the maximum APR ceiling. Your quotation will disclose the approved rate, financed charges, repayment schedule and total repayment.
Secured loans
Flat interest rates for secured loans start from 4% per annum, subject to credit assessment and approval. The maximum annual interest rate is 12%. Your quotation will disclose applicable charges, APR, repayment terms and total repayment.
For an unsecured personal loan providing RM5,000.00 cash received over 12 months, RM30.00 stamp duty is added to the financed balance, bringing it to RM5,030.00. At 8% flat interest per annum, total interest is RM402.40. Repayments are 12 monthly instalments of RM452.70, totalling RM5,432.40. The first instalment is due 30 days after disbursement, followed by monthly repayments. Actual loan terms are subject to credit assessment and approval.
Representative example — unsecured personal loan
- Cash received
- RM5,000.00
- Term
- 12 months
- Stamp duty
- RM5 per RM1,000 or part thereof, based on the applicable assessed agreement amount. Stamp duty financed in this example: RM30.00.
- Legal / witnessing charge
- RM0
- Financed balance
- RM5,030.00
- Interest calculation base
- The entire financed balance: RM5,030.00
- Interest calculation
- RM402.40
- 12 instalments
- 12 × RM452.70
- Total repaid
- RM5,432.40
- Total borrowing cost
- Total borrowing cost: RM432.40. Other specified fees: RM0.
- Fees and financed costs
- Legal/witnessing, application, processing/administration and early-settlement fees are RM0. Stamp duty is added to the financed balance rather than deducted from the cash received. Interest is calculated on the entire financed balance.