top of page

Smart, Fast & Easy Loans

b01.png

Our expert financing team is available 24/7, 365 days a year to attend to your problems. quickly and efficiently!

Process in 3 Steps

Discover our innovative financing solutions to help you achieve your personal or business needs in the shortest possible time.

A personal loan can give you the financial flexibility you need.

Step1.jpg

Apply now

Step2.jpg

Application Process

Step3.jpg

Get Money

banner-rbu-where-to-buy.png

Our Services

small-business-support-banner-group1-mob

Personal Loan

Personal Loan is a loan that can help all Malaysian citizens get money quickly. This is a loan plan with a monthly repayment plan to meet individual needs. Personal loan can also be defined as a short-term loan, which can help with your short-term funding needs. Usually the repayment period of a personal loan is shorter than other types of loans such as home loans or mortgages. We have a personal loan tailored to meet your needs with no hidden costs for consultation costs.

SPECIALTY

 

  • Easy Document

  • Loan up to RM 100,000.00

  • Flexible installment plan up to 60 months

  • Rebate or interest-free for early settlement

  • No minimum income required.

  • Monthly interest rate 1% - 1.5%

  • Easy, fast, safe and legal

QUALIFICATIONS

 

  • Aged 18 to 65 years old

  • Malaysian citizen

  • In the job for more than 3 months

  • To be self-employed, the business must be active for more than 3 months

DOCUMENT

 

  • Latest 1-3 months salary slip

  • Latest 1-3 months bank statement

  • Copy of identity card

  • Latest electricity & water bill statement

small-business-support-banner-group2-mob

Business Loan

Business Loans are provided to all business owners and self-employed personnel to increase the cash flow of your business. We are here to help people with their financing needs; it can be a startup, Small Medium Enterprise (SME), Corporate Business and many more. We believe that it is very important to provide a variety of services and solutions. Many business owners tend to wait until the last minute to get a loan, however, we still offer their customized plans even though it is very challenging.

SPECIALTY

 

  • Easy Document

  • Loans up to RM 1 Mil

  • Flexible installment plan up to 60 months

  • Rebate or interest-free for early settlement

  • No minimum income required.

  • Monthly interest rate 1% - 1.5%

  • Easy, fast, safe and legal

QUALIFICATIONS

 

  • Aged 21 to 65 years

  • Malaysian citizen

  • Minimum 6 months in the same business operation

DOCUMENT

 

  • SSM Form

  • Last 3 months bank statement either from the Company or Director

  • Copy of identity card

  • Latest electricity & water bill statement

1.0% Repayment Scheme Per Month
(Secured Loan)

* Free Agreement and insurance. Terms and conditions.

Annual Percentage Rate (APR) DISCLOSURE
• 1% per month collateral, 1.5% per month without collateral • 12% per year collateral, 18% per year without collateral

ApplyNow.gif

(Loan for Johor Area Only)

For Urgent Application, Please Contact or WhatsApp Us.

JbRinggitPlus Call
JbRinggitPlus WhatsApp

Click Call or WhatsApp Directly Apply Now!!!

014-2605659

INTEREST RATE & REPAYMENT
 
Interest Rate

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

Minimum repayment

6 months; Maximum repayment: 60 months.

Representative example

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

HOURS & LOCATION
Office Location

No: 09-02, Jalan Jaya Putra 7/6
Bandar Jaya Putra
81100 Johor Bahru Johor

 

Tel: 014-2605659

WhatsApp: 014-2605659

Hours

Monday - Sunday 

7 Days Per Week 24 Hours Per Day

Loan Products Disclosures:

The financing rates is 1.5% per month or 18% per annum. Tenor of the financing offered is between 90 days and 5 years. As a representative illustration, for a RM10,000 loan amount borrowed for 1 year at an annual interest rate of 18%, the total repayment amount at the end of the tenure is RM11,800.

Loan Term:

Minimum 90 days. Maximum 60 months. 
Maximum Annual Percentage Rate (APR) is 18%
 
Loan calculation example:
Mr.Lim registered to borrow RM5,000 for 3 months (90 days).
Tan's overpayment is only RM5,000 x 90 x 0.05% = RM225.
Full payment is RM5,000+RM227.50 = RM5,225.
Tan's monthly payment is only RM5,225/3 = RM1,741.67.

1) What do i get from this product?

Interest/Profit Rate
Approximately 3.99% per annum to 14.78% per annum (flat rate). (Effective Interest/Profit Rate:
Approximately 7.40% per annum to 24.37% per annum based on 5 Years Financing tenure).
The Interest/Profit Rate quoted and/or prescribed by the company hereunder is subject to the GKH Express's right to vary the same at any time and from time to time with prior notice to you.

Total Interest/Profit
Financing Amount (RM) × Interest/Profit Rate (%) × Tenure (Years).
Example: Financing Amount: RM20,000, Interest/Profit Rate: 10.68% p.a., Tenure: 5 Years.
Therefore Total Interest/Profit = RM20,000 × 10.68% p.a. × 5 Years = RM10,680.

2) What other charges do I have to pay?

Stamp duty (0.5%) on total approved financing amount, to be deducted from financing amount.

Unless otherwise specified herein, our charges exclude any current taxes and future taxes that may be imposed (including the Sales and Services Tax (“SST”), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, we will be entitled to recover such taxes from you.

© 2025-2026 JbRinggitPlus. ALL RIGHTS RESERVED

bottom of page