Seamless Personal Loan That Puts Your Needs First.

Our customizable financing solutions offer you more freedom, at one of the lowest interest rates.

We offer loans up to 300,000 MYR, with loan tenure up to 36 months.

Get the Personal Loan You Need Now

A personal loan is a sum of money you borrow now, which you can repay over the next few months. All moneylenders add interest so you have to weigh your options carefully. Choose a financial provider that offers you with the best personal loan package. Think low interests and no hidden fees. It’s also important to know that you can use your personal loan for almost everything.

Keep in mind you can choose between two types of personal loans:

Unsecured loans don’t require you to guarantee with collateral. These loans are safer, but you may borrow a smaller amount.
Secured loans need you to put forth collateral. These loans have smaller instalments, but they’re not as safe. That’s because you can lose the assets you backed your loan with if you can’t make the payments.

Personal loans come with many benefits:

You have access to more cash than with a credit card.
The interest rates are lower than those of credit cards.
You get quick loan approval.
You get consistent monthly instalments.
You can refinance your debts.
You don’t need excellent credit.
You get the amount you need for a big one-off purchase, such as a wedding or buying a car.
You can square an emergency expense.
You can start your own business.

We put your needs first and we aim to provide quick, seamless loans

Intime Advance is one of the best personal loan providers in Malaysia. We understand that monetary issues can be distressing. Below are some common situations when you might need our help:

I need an emergency loan immediately for my hospitalization bills.

I was involved in a car accident and I don’t have enough savings in my account. I need immediate surgery, hospitalization, as well as physical therapy. I need money ASAP to make sure I get top medical care to get back into shape fast.

I want to buy a house for my family.

My wife and I have been living in a two-room apartment, but now we need a bigger home. We already have a child, and we’re expecting another. Besides, my grandmother is ill and we need to bring her into our home urgently to care for her. Our home needs to have adequate furniture for raising children, as well as for a mobility-challenged elderly person.

I need to further my education.

My employer has informed me that I can no longer keep my job because my position has become redundant. I need to get an IT certificate in web design ASAP to prove I can still be productive in my company. Even if I don’t get to keep my current position, this certificate will help me get a new job at another company.

My wife and I want to adopt a child.

We have been trying to conceive for some time without any success. We now want to adopt a child, but we want a no-worries adoption process because we have been stressed enough lately. We spent all our money on doctors and various IVF procedures until now. We found a family willing to give their child for adoption, but we need money urgently for their lodging, legal fees, and some medical expenses for the child.

I need to make urgent home repairs.

My house has been infested with rats and it has become an unsafe environment. The rats have chewed through the power cables and are currently wreaking havoc through the rest of the house. I have a low-paying job that doesn’t allow me to save too much. I also can’t afford to live in a hotel for too long. I need money immediately to get my home back, but I have a poor credit score.

I want to buy a car.

I have another loan and I’m currently struggling with the payments. I need a better paying job urgently. I found a new position at another company, but it’s too far from my house to walk. My less-than-perfect credit score doesn’t allow me to get a loan from a bank. How can I get the car I need ASAP so that I can improve my standard of living?

Remember that we at Intime Advance are always here for you.

Apply below to get customizable loans, low-interest rates, and seamless transfers.

It’s Simple To Apply For A Personal Loan With Us!

Step 1:
Conveniently submit your application online through our secure platform.

Step 2:
You will be informed about the details of the loan, including the max. loan amount and tenure, in under 30 mins.

Step 3:
Visit our premises, finalise the agreement, and receive the money immediately on the spot.

Do you need more reasons to choose us? Here’s what you can expect:

We offer fast liquidity. Spend a few minutes to submit your request and you can have the money you need by the end of the day.

We offer flexible loans with low interest rates. Our rates can be as low as 1% in some cases, with no hidden fees. Besides, some loans qualify for a longer repayment scheme of up to 36 months.

We work around poor credit scores. Bad credit can happen to good people. This is why we value people’s goodwill and the current situation more than their histories. We promise to do our best to find the right loan for your needs.

What Our Borrowers Say About Us

Intime Advance Review Aug 2022

Agung C

 5/5

I finally have my life back on track after a car accident five years ago. I suffered a spinal injury and couldn’t afford my medical bills. Thanks to Intime Advance, I paid for everything. Without their help, I would be in too much pain to work.

Intime Advance Review Jun 2022

Said M

 5/5

My wife and I wanted a big wedding with all our friends and family. We also wanted to follow the Muslim traditions that connect us to our ancestors. The Intime Advance agent understood that we’re young and without any savings, but still found an affordable loan for us.

Intime Advance Review Apr 2022

Ishak T

 5/5

I needed help to pay for my father’s funeral. He was barely in his fifties, but he suffered an unexpected stroke. Intime Advance helped take the pressure off his death. Thank you so much for understanding my pain!

Some Things You Should Note Prior To Borrowing

Applying with us couldn’t be easier. Besides, we provide you with flexible loans with some of the lowest interest rates in Malaysia.

Here’s what you need to know about our super-star loan conditions:

Minimum Period for Repayment: 2 months
Maximum Period for Repayment: 36 months
Interest Rate (Unsecured Loans): 18% per year, 1.5% per month
Interest Rate (Secured Loans): 12% per year, 1.0% per month
Documents Needed:

Last 3 months payslip
Last 3 months Bank Statement
NRIC copy
Last Utilities Bill
Last EPF Statement
Online Application Form

Repayment Scheme 1.5% Per Month (Unsecured Loan)

Loan Amount (RM)	6 Months	1 Year (12)	2 Year (24)	3 Year (36)
1,000	176.70	98.30	56.70	42.80
5,000	908.30	491.70	283.30	213.90
10,000	1,816.70	983.30	566.70	427.80
20,000	3,633.30	1,966.70	1,133.30	855.60
50,000	9,083.30	4,916.70	2,833.30	2,138.90
80,000	14,533.30	7,866.70	4,533.30	3,422.20
100,000	18,166.70	9,833.30	5,666.70	4,277.80
300,000	54,500.00	29,500.00	17,000.00	12,833.30
500,000	90,833.30	49,166.70	28,333.30	21,388.90
1,000,000	181,666.70	98,333.30	56,666.70	42,777.80

Repayment Scheme 1% Per Month (Secured Loan)

Loan Amount (RM)	6 Months	1 Year (12)	2 Year (24)	3 Year (36)
1,000	176.70	93.30	51.70	37.80
5,000	883.30	466.70	258.30	188.90
10,000	1,766.70	9383.30	5166.70	377.80
20,000	3,533.30	1,866.70	1,033.30	755.60
50,000	8,833.30	4,666.70	2,583.30	1,888.90
80,000	14,133.30	7,466.70	4,133.30	3,022.20
100,000	17,666.70	9,333.30	5,166.70	3,777.80
300,000	53,000.00	28,000.00	15,500.00	11,333.3
500,000	88,333.30	46,666.70	25,833.30	18,888.90
1,000,000	176,666.70	93,333.30	51,666.70	37,777.80

Secure Funding With One Of JB’s Best Personal Loan Providers!

Our personal loans are customised with care because we want to help you. Unlike other loan providers, we understand that your needs should come first. More happy, healthy, and productive citizens equal a better environment for us all!

You can get fast cash and bigger revenues by the end of the day. We practice very low interest starting from 1%, with absolutely no hidden fees

With our help, you can pay for an emergency expense, finish your studies, or get the wedding of your dreams. You can also meet your long-term financial goals by opening your business or refunding older loans.

Don’t compromise your health, your happiness, or your success. Apply with us now.

Seamless Personal Loan That Puts Your Needs First.

Get the Personal Loan You Need Now

Personal loans come with many benefits:

We put your needs first and we aim to provide quick, seamless loans

I need an emergency loan immediately for my hospitalization bills.

I want to buy a house for my family.

I need to further my education.

My wife and I want to adopt a child.

I need to make urgent home repairs.

I want to buy a car.

Remember that we at Intime Advance are always here for you.

It’s Simple To Apply For A Personal Loan With Us!

Do you need more reasons to choose us? Here’s what you can expect:

What Our Borrowers Say About Us

Agung C

Said M

Ishak T

Some Things You Should Note Prior To Borrowing

Secure Funding With One Of JB’s Best Personal Loan Providers!

We offer one of the lowest interest personal loans in Johor.