• Xpress Cash Financing-i

Financing amount

Financing amount offered:

Minimum RM3,000 

Maximum RM50,000


up to 8X gross monthly income

(whichever is lower)

Takaful coverage

Takaful coverage: death and total permanent disability

Flexible tenure

Minimum tenure of 6 months and up to 5 years



  • Malaysian Citizen.
  • Applicant must be individual. No joint applicant allowed.
  • Minimum monthly income of RM800 (including variables, e.g. overtime & allowances)
  • Minimum of 21 years and a maximum of 60 years of age (at the time of application).
  • At least 6 (six) months of employment or business establishment.

Documents Required

  • Application Form
  • MyKad (both sides)
  • Income documents according to employment type


Profit Rate (Flat Rate)
Equivalent to Effective Profit Rate
It ranges from 18% to 24% per annum
It ranges from 28.88% to 41.70% per annum depending on financing tenure.

Note: The final approved Profit Rate is subject to the Bank’s approving criteria.

  • Stamp Duty of 0.5% from approved financing amount
  • Compensation/Ta’widh : Will be charged at 1% pa on the instalment amount in arrears; and
  • Takaful contribution shall depends on the financing amount and tenure (Optional)
  • Rebate/Ibra’ will be provided if the financing is fully settled before its maturity; and
  • Early settlement will not be subjected to any early settlement fee.
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