Loans & grants
Financing and grants from government, banks or co-operatives. 50 ideas.
Your own money
EPF Flexible withdrawal
KWSP / EPF (Pengeluaran Akaun Fleksibel): Withdraw Akaun Fleksibel savings any time (under 55, min RM50).
Tabung Haji withdrawal
Tabung Haji: Withdraw your TH savings at a TH counter; cash up to RM10,000 a day.
ASB withdrawal
ASNB – Penebusan (myASNB): Withdraw ASB/ASNB savings online via myASNB or over the counter.
EPF Age 50 withdrawal
KWSP – Pengeluaran Umur 50: Withdraw part or all of Akaun Sejahtera once, aged 50–54.
EPF housing loan instalment
KWSP – Pengeluaran Ansuran Bulanan Pinjaman Perumahan: Use Akaun Sejahtera to pay your monthly home-loan instalment.
EPF incapacitation withdrawal
KWSP – Pengeluaran Hilang Upaya: Withdraw all EPF savings if you can no longer work; may qualify for a RM5,000 Incapacitation Benefit.
Redeem Public Mutual units
Public Mutual – Penebusan: Redeem your Public Mutual unit trust units for cash.
EPF Education withdrawal
KWSP – Pengeluaran Pendidikan: Use Akaun Sejahtera savings for tuition fees or an education loan balance for you, your spouse, children or parents.
EPF Health withdrawal (critical illness)
KWSP – Pengeluaran Kesihatan: Withdraw Akaun Sejahtera savings for approved illness treatment, medical equipment or fertility treatment.
EPF Hajj withdrawal (up to RM10,000)
KWSP – Pengeluaran Haji: Muslim members under 55 selected for hajj by Tabung Haji can withdraw up to RM10,000 from Akaun Sejahtera, once in a lifetime.
Ar-Rahnu (gold pawn)
Agrobank Ar-Rahnu
Agrobank Ar-Rahnu: Pawn gold at an Agrobank Ar-Rahnu counter; profit from RM0.55 a month per RM100.
Bank Rakyat Ar-Rahnu
Bank Rakyat Virtual Ar-Rahnu-i: Pledge your eGold balance (eGold Account-i) for instant financing.
Bank Islam Ar-Rahnu
Bank Islam Ar-Rahnu: Islamic gold pawn at Bank Islam.
YaPEIM Ar-Rahnu
Ar-Rahnu YaPEIM (pajak gadai Islam): Quick cash by pawning gold; pay a safekeeping fee, not interest.
Bank Muamalat Ar-Rahnu
Bank Muamalat Ar-Rahnu: Islamic pawn: cash against your gold.
Personal financing
Bank personal financing-i
BSN MyRinggit-i (Sektor Awam): Personal financing-i for public-sector staff (BPA salary deduction).
Early wage access (Paywatch)
Paywatch: Access earned wages before payday (if your employer has joined).
SPayLater
SPayLater (Shopee): Buy now, pay later. 1 month free; instalments at 1.5% a month.
Boost PayFlex
Boost PayFlex: Instant credit up to RM1,500 in the Boost app; 2.5% profit a month.
Bank Islam personal financing-i
Bank Islam Pembiayaan Peribadi-i: Tawarruq personal financing from 5.00% a year for government and selected company staff.
Bank Rakyat personal financing-i
Bank Rakyat Pembiayaan Peribadi-i Sektor Awam: Tawarruq financing for public sector and GLC staff; fixed rates from 3.42%.
Ask for a Salary Advance
Minta Gaji Pendahuluan / Ask for a Salary Advance: A free tool to write a salary-advance request e-mail to your employer. Fill in your details, pick the language and tone, then copy it or open it in your e-mail app. Everything stays in your browser.
KPKT-licensed Shariah financing
GajiNow (Orpheus Capital)
GajiNow (Orpheus Capital): Shariah-compliant salary advance of RM400 to RM2,500, repaid through your next salary deduction. Your employer must take part in GajiNow.
Jomdana-i
Jomdana-i (K&B Global): Shariah-compliant personal financing up to RM10,000 through the Jomdana app, based on Tawarruq (Commodity Murabahah) via Sedania.
Tazee
Tazee (Wawasan Cojaya): Shariah-compliant personal financing of RM320 to RM6,000 over 90 to 180 days, based on Tawarruq via Sedania As-Sidq.
JCL i-FUND
JCL i-FUND (JCL Credit Leasing): Shariah-compliant personal financing (Tawarruq) of RM1,000 to RM50,000.
Kekal Awam Personal Financing-i
Kekal Awam Pembiayaan Peribadi-i Digital (Kekal Credit): Personal financing-i for civil servants and selected GLC staff, RM3,000 to RM200,000, up to 10 years, repaid by ANGKASA salary deduction.
Kanz Prihatin (Xanderia)
Kanz Prihatin (Xanderia Berhad): Shariah-compliant personal financing for civil servants, RM1,000 to RM200,000, 12 to 120 months, repaid by ANGKASA salary deduction.
Shariah-compliant instalments (Direct Lending)
Direct Lending: Shariah-compliant financing: car service instalments up to RM5,000 and car takaful instalments over 12 months. SME micro financing up to RM200,000 (Shariah-compliant or conventional).
Business financing
TEKUN Nasional
TEKUN Nasional: TEKUN Niaga financing RM1,000–RM100,000 for Bumiputera entrepreneurs.
MARA
MARA (SPiM & skim pembiayaan perniagaan): Entrepreneurship programmes for Bumiputera.
BSN MADANI-i microfinancing
BSN MADANI-i (pembiayaan mikro): Micro financing RM2,000–RM100,000 for micro enterprises operating ≥6 months.
PUNB PROSPER Grow
PUNB PROSPER Grow: Business financing for established Bumiputera entrepreneurs (min RM300,000 annual sales).
TEKUN Mobilepreneur (riders/drivers)
TEKUN Mobilepreneur 4.0: 4% a year financing for e-hailing/delivery riders and drivers to buy or repair a vehicle.
MARA DanaNITA (women entrepreneurs)
MARA DanaNITA: Business financing for Bumiputera women, 3.5% rate.
AIM microfinancing
Amanah Ikhtiar Malaysia (AIM): Micro-financing to start or grow a small business for low-income households, with weekly repayments.
SME Bank financing
SME Bank – Pembiayaan PKS: A government development bank financing micro, small and medium businesses. Apply online or at a branch.
Debt help
Debt help (AKPK)
AKPK (bantuan urus hutang): Debt Management Programme (DMP): one monthly payment for your bank debts.
Early settlement discount on car loans
Diskaun goodwill sewa beli (ABM/AIBIM/ADFIM): From 1 June 2026, banks give a goodwill discount if you settle a fixed-rate (Rule of 78) hire-purchase loan early.
Government aid & incentives
STR
Sumbangan Tunai Rahmah (STR): Government cash aid for eligible low/middle-income households.
SARA (MyKad credit)
Sumbangan Asas Rahmah (SARA): Basic-goods credit on MyKad for STR recipients, and RM100 for all citizens 18+ (2026).
Apply for zakat aid (14 states)
Bantuan Zakat – direktori negeri (MyGOV): Official list of each state zakat body with "Apply" links.
Selangor zakat aid (LZS)
Lembaga Zakat Selangor: Check the had kifayah calculator and apply for Selangor zakat aid.
EPF i-Saraan incentive (gig workers)
KWSP i-Saraan: Self-employed and gig workers get a 20% government incentive (max RM500 a year) on voluntary EPF contributions.
SOCSO job-loss benefits (EIS)
PERKESO – Sistem Insurans Pekerjaan (SIP): Lost your job (not a resignation)? Apply for EIS benefits within 60 days: a job search allowance, training and help finding work.
mySalam hospital benefit (RM50/day)
mySalam (Skim Perlindungan Masyarakat): STR recipients and their spouses are covered automatically. Claim RM50 a day for an overnight stay in a government hospital ward, up to 14 days (RM700) a year.
EPF i-Suri incentive
KWSP i-Suri: Women listed in eKasih who save in the EPF get a 50% government incentive, up to RM300 a year and RM3,000 in a lifetime.
JKM elderly aid (RM600/month)
JKM – Bantuan Warga Emas (BWE): RM600 a month in financial aid for people aged 60 and over from hardcore-poor households.
PeKa B40 health aid
PeKa B40 (ProtectHealth, KKM): STR recipients and spouses aged 40 and over automatically qualify for a free health screening and further help.
Home financing
Home loan without a payslip (SJKP)
Skim Jaminan Kredit Perumahan (SJKP): A government guarantee scheme for buying a first home, including for people without a fixed income. Financing up to RM500,000 through participating banks.