CALL US AT 012-622 1131

About Us

ERFIM is a Licensed Moneylender company approved by the Ministry of Housing & Local Government under the Malaysian Moneylenders Act 1951 . Our expertise is to identify your financial problems and give you the right solution. Our financial consultant not only gives you financial solutions but also provides consultation on your current situation. Contact us now +6012- 622 1131, we provide professional consultants who are always ready to help you solve your financial problems .

3 Simple Steps to Get Your Loan Approved for Business & Personal Loan

Documents Required For Personal Loan

  1. Latest EPF Statement.
  2. 3 months latest pay/salary slip.
  3. 3 months latest bank account statements.
  4. Latest utility bill (electric/water).
  5. IC Photocopy.

Interest Rate

Fixed rate from 8% - 12% APR and payment options range from 6 months to 60 months.

Repayment Period

Maximum Period: 60 months.

Representative Example

Amount of credit RM 5000 borrowed for 180 days. Interest: RM 448. Total amount payable: RM 5448.

CALL US NOW!!! 012-622 1131
WE ARE READY TO ASSIST YOU

Repayment Scheme 1.0% One Month
(Secured Loan)

Total Loan
(RM)
 6 Months 12 Months 24 Months 36 Months 48 Months 60 Months
1,000.00 176.67 93.33 51.67 37.78 30.83 26.67
5,000.00 883.33 466.67 258.33 188.89 154.17 133.33
1,0000.00 1766.67 933.33 516.67 377.78 308.33 266.67
1,5000.00 2650.00 1400.00 775.00 566.67 462.50 400.00
2,0000.00 3533.33 1866.67 1033.33 755.56 616.67 533.33
2,5000.00 4416.67 2333.33 1291.67 944.44 770.83 666.67
3,0000.00 5300.00 2800.00 1550.00 1133.33 925.00 800.00
3,5000.00 6183.33 3266.67 1808.33 1322.22 1079.17 933.33
4,0000.00 7066.67 3733.33 2066.67 1511.11 1233.33 1066.67
4,5000.00 7950.00 4200.00 2325.00 1700.00 1387.50 1200.00
5,0000.00 8833.33 4666.67 2583.33 1888.89 1541.67 1333.33
5,5000.00 9716.67 5133.33 2841.67 2077.78 1695.83 1466.67
100,000.00 17666.67 9333.33 5166.67 3777.78 3083.33 2666.67

Annual Percentage Rate
1% per month collateral, 1.5% per month without collateral
12% per year collateral, 18% per year without collateral