Calculate YourMonthly Payments
Get an instant estimate of your monthly loan payments. Our calculator uses a fixed 0.66% monthly rate and includes the RM30 CTOS fee.
Estimate Your Loan Repayment
Adjust the sliders below to see how different loan amounts and repayment periods affect your monthly payments.
Your Estimated Repayment
Monthly Payment
RM 482.67
For 24 months
Total Repayment
RM 11,584.00
Principal + Interest
Total Interest
RM 1,584.00
At 0.66% per month (Flat Rate)
Total Cost (incl. CTOS)
RM 11,614.00
Includes RM30 one-time fee
Repayment Breakdown
Important Disclaimer
This calculator provides estimates only based on a flat rate of 0.66% per month and a one-time RM30 CTOS fee. Final loan terms, interest rates, fees, and monthly payments are subject to credit assessment and approval. Actual amounts may vary. Please refer to the Product Disclosure Sheet and your loan agreement for exact terms.
Calculation Method: Flat Rate
Formula:
- Total Interest = Principal × 0.66% × Number of Months
- Total Repayment = Principal + Total Interest
- Monthly Payment = Total Repayment ÷ Number of Months
This flat rate method is commonly used by personal loan providers in Malaysia and matches the calculation shown in our Product Disclosure Sheet.
How to Use
- Enter your desired loan amount
- Select your repayment period
- View your estimated monthly payment
What's Included
Important Notice
This calculator provides estimates only. Final rates, fees, and repayment terms are subject to approval and assessment. Actual amounts may vary based on your application.
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Apply for Loan NowWhat Do These Numbers Mean?
Monthly Payment
This is your estimated monthly installment amount, including principal and interest at 0.66% per month.
Total Interest
The total interest you'll pay over the life of the loan based on the fixed 0.66% monthly rate.
Total Repayment
Your total repayment including the principal amount, interest, and the one-time RM30 CTOS fee.