EML Online Personal Loan Application

Express Mortgage & Loan (EML) is a platform for customer to apply loan, attestation, sign agreement and get disbursement without having to personally walk into our premises. It is convenient and time-efficient for our customers. Kindly refer below for more information.

Eligibility

1. Malaysian Citizen Only.

2. 18 Years Old & Above.

3. Minimum Loan Amount RM1,000.

Require Document

Salaried Employee

1. Original NRIC (Front & Back)

2. Selfie While Holding The NRIC

3. Latest 3 Months Bank Statement

4. Latest 3 Months Payslip

5. Latest EPF or Tax Declaration Form

6. Proof Of Residential (Utility Bills)

Self Employed

1. Original NRIC (Front & Back)

2. Selfie While Holding The NRIC

3. Latest 6 Months Bank Statement & Proof Of Income

4. Latest EPF or Tax Declaration Form

5. Proof Of Residential (Utility Bills)

How To Apply?

1. Download Our Apps From App Store/Play Store/”Link” Here.

2. Sign Up With Valid Phone Number

3. Fill up Personal Info

4. Perform Account Verification (E-KYC – Powered By CTOS) In Apps.

5. Select Your Amount & Loan Tenure

6. Fill up require information & document.

7. Validate & accept our loan offer

8. Perform an online attestation recording via live meeting or pre record attestator video.

9. Digital sign the loan agreement 

Rate & Charges

Interest rate 12 – 18 % (subject to approval)

Admin Fees – RM 50

Stamping Fees – 0.5% Of Loan Amount

Wakalah Fees – RM 10