Home  //  Products & Services PERSONAL FINANCING SCHEME

 

PRIVILEGES


- Interest 1.5% only
- Simple documents
- Loan up to RM 50,000.00
- Easy instalment for monthly repayment
- Rebate or without interest for early settlement
- There are several packages to choose
- Can solve the existing loans
- credit cards, banks, cooperatives and others
- Easy, fast, safe and lawful



REQUIREMENT


- Malaysian citizen
- 18 years of age and above
- Government employees
- Factory workers
- Private employees
- Pension
- Salaries through bank
- Blacklist are eligible to apply

* Terms & conditions apply



DOCUMENT REQUIRED


- Latest 3 months pay slip
- Latest 2 months of utilities bill
- Latest update bank savings account    passbook (for the past 3months)
- Or latest 3 months current / savings account bank statement for verification purpose

- Copy of NRIC

* Note: IOS reserves the right to request additional documents if necessary


 


 


How to apply?


FAQ

 

Q: What is IOS Personal Financing Scheme?
A: IOS Personal Financing Scheme is a credit facility for meeting personal needs & payable through monthly installment.

 


Q: What documents do I need to submit ?
A: We required the following documents:
       - Copy of NRIC
       - Latest 3 months pay slip
       - Latest update bank savings account passbook (for the past 3months)

       - Or latest 3 months current / savings account bank statement for verification purpose
       - Latest 2 months of utilities bill

     

 *Note: IOS reserves the right to request additional documents from applicant where deemed necessary.

 


Q: What is the Loan Tenure for IOS Personal Financing Scheme?
A: IOS Personal Financing Scheme does provide flexi installment tenors. There are several packages to choose.



Q: Isn’t compulsory to have a guarantor in order to get loan approved?
A: Guarantor provision is not compulsory.



Q: How do I make monthly repayment?
A: The usual monthly repayment is by auto-debit. Deduction from your salary.



Q: Will my personal information be kept in confidential?
A: Yes.



Q: How long is the approval process?
A: 1 (one) to 3 (three) working days.
Subjected to the finance amount. Terms & conditions apply.



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