Personal LoansFast & Trusted
Personal loans with quick approval, transparent rates, and licensed compliance.
- Fast Approval
- Licensed & Compliant
- Transparent Rates
Fast Approval
Get a decision in as fast as 12 hours.
Minimal Documents
Simple process, minimum paperwork.
Transparent Rates
No hidden fees. Know your monthly payment upfront.
Licensed & Compliant
A registered licensed moneylender you can trust.
Repayment Calculator
Estimated monthly payment
RM 332.14
- Total payable
- RM 11,957.17
- Annual interest rate (%)
- 12% per year
Estimate only. Final terms are subject to approval.
View full repayment schedule
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | 332.14 | 100.00 | 232.14 | 9,767.86 |
| 2 | 332.14 | 97.68 | 234.46 | 9,533.40 |
| 3 | 332.14 | 95.33 | 236.81 | 9,296.59 |
| 4 | 332.14 | 92.97 | 239.17 | 9,057.42 |
| 5 | 332.14 | 90.57 | 241.57 | 8,815.85 |
| 6 | 332.14 | 88.16 | 243.98 | 8,571.87 |
| 7 | 332.14 | 85.72 | 246.42 | 8,325.45 |
| 8 | 332.14 | 83.25 | 248.89 | 8,076.56 |
| 9 | 332.14 | 80.77 | 251.37 | 7,825.19 |
| 10 | 332.14 | 78.25 | 253.89 | 7,571.30 |
| 11 | 332.14 | 75.71 | 256.43 | 7,314.88 |
| 12 | 332.14 | 73.15 | 258.99 | 7,055.88 |
| 13 | 332.14 | 70.56 | 261.58 | 6,794.30 |
| 14 | 332.14 | 67.94 | 264.20 | 6,530.11 |
| 15 | 332.14 | 65.30 | 266.84 | 6,263.27 |
| 16 | 332.14 | 62.63 | 269.51 | 5,993.76 |
| 17 | 332.14 | 59.94 | 272.20 | 5,721.56 |
| 18 | 332.14 | 57.22 | 274.92 | 5,446.63 |
| 19 | 332.14 | 54.47 | 277.67 | 5,168.96 |
| 20 | 332.14 | 51.69 | 280.45 | 4,888.51 |
| 21 | 332.14 | 48.89 | 283.25 | 4,605.25 |
| 22 | 332.14 | 46.05 | 286.09 | 4,319.17 |
| 23 | 332.14 | 43.19 | 288.95 | 4,030.22 |
| 24 | 332.14 | 40.30 | 291.84 | 3,738.38 |
| 25 | 332.14 | 37.38 | 294.76 | 3,443.62 |
| 26 | 332.14 | 34.44 | 297.70 | 3,145.92 |
| 27 | 332.14 | 31.46 | 300.68 | 2,845.24 |
| 28 | 332.14 | 28.45 | 303.69 | 2,541.55 |
| 29 | 332.14 | 25.42 | 306.72 | 2,234.83 |
| 30 | 332.14 | 22.35 | 309.79 | 1,925.04 |
| 31 | 332.14 | 19.25 | 312.89 | 1,612.15 |
| 32 | 332.14 | 16.12 | 316.02 | 1,296.13 |
| 33 | 332.14 | 12.96 | 319.18 | 976.95 |
| 34 | 332.14 | 9.77 | 322.37 | 654.58 |
| 35 | 332.14 | 6.55 | 325.59 | 328.98 |
| 36 | 332.27 | 3.29 | 328.98 | 0.00 |
Loans for every need
We're here to help with all kinds of financial needs.
How it works
From application to cash in your account — three simple steps.
Apply online
Fill in our simple form — no documents needed to start, and it won't affect your credit score.
±5 minutes
We review & call you
Our team reviews your application and contacts you to confirm details and your personalised offer.
Within 12 hours
Sign & receive funds
Once you accept and sign, the money is transferred straight to your bank account.
1–2 working days
Friendly, licensed officers
One dedicated advisor, from application to disbursement
You will never be passed around. The same officer handles your file from the first call until the funds reach your bank account.
- Free eligibility check with no obligation
- Rates, fees and schedule explained clearly before you sign
- Progress updates by WhatsApp or phone at every step
- Support in Bahasa Malaysia, English and Mandarin
7+
Years serving Malaysians
12,000+
Loans approved
RM 85M+
Disbursed to date
12 hrs
Average approval time
What our customers say
“The whole process was done online and the money was in my account in two days. No hidden charges — exactly what they promised.”
Ahmad R.Kuala Lumpur · Home renovation“I needed help with my daughter's college fees urgently. The staff explained every term clearly and never pressured me.”
Ms. TanPenang · Education“After my car accident I needed cash fast. Approved the next morning — respectful, professional and fully licensed.”
Kavitha S.Johor Bahru · Emergency“I borrowed RM 8,000 for my daughter's wedding and finished repaying in two years. From day one I knew exactly what I'd pay each month and when it would end.”
Siti N.Shah Alam · Wedding“My business needed short-term cash flow and the money arrived in under two days. The rate matched the agreement to the sen.”
Mr. LimIpoh · Business“They consolidated three credit cards into one instalment. I save over RM 200 a month and finally know my debt-free date.”
Suresh K.Klang · Debt consolidationWhy borrowers choose us
| Compare | Amandana Kredit | Traditional bank |
|---|---|---|
| Approval speed | As fast as 12 hours | Typically 1–2 weeks |
| Documents | Start online with zero documents | Payslips, bank statements and more |
| Fees & rates | Fixed, transparent, from 12% p.a. | Fees often buried in fine print |
| Flexibility | RM 1,000 – RM 300,000 · 6 – 108 months | High minimum loan amounts |
Borrow with confidence
A loan should make life easier, not harder. Three things to check before you commit:
Plan your budget
As a guide, keep total monthly repayments below 40% of your take-home income. Use our calculator to see the exact figure before you apply.
Understand your rate
We charge interest on the reducing balance — you only pay interest on what you still owe, and settling early always saves you money.
Use official channels only
We never ask for any payment before your loan is disbursed. Verify our licence with KPKT and contact us only via the details on this site.
Frequently asked questions
Who can apply?
Malaysian residents with a steady monthly income.
How long does approval take?
As fast as 12 hours after we receive your application.
What do I need to apply?
Just your basic details, income info, and loan amount.
How is interest calculated?
On a reducing balance at a fixed rate from 12% p.a. — you only pay interest on what you still owe. Use our calculator to see your exact monthly payment.
Can I settle my loan early?
Yes — you can settle at any time and save on the remaining interest. There is no early settlement penalty.
Do I need a guarantor or collateral?
No. Our personal loans are unsecured — no guarantor, no collateral.
What if my credit history isn't perfect?
We look at your overall ability to repay, not just your score. Apply and our team will assess your situation fairly.
Is my personal data safe?
Yes. Your data is encrypted, handled under the PDPA 2010, and never sold to third parties.
Personal Loans Fast & Trusted
Personal loans with quick approval, transparent rates, and licensed compliance.