Loan Services
If you're on the "BLACKLIST," "CTOS," or "CCRIS," don't be concerned; we'd like to extend a loan to you as well. You can apply for a loan with our organization no matter what your profession is.
Why Choose Us
Fast Approval
A simple personal loan procedure allows you to get loan money quickly and securely.
No Upfront Charges
Unlike other agencies in the industry, we do not charge any form of fees or upfront charges when processing your loan application.
Higher Approval Rate
AKPK, Special Attention Account (SAA), High Debt Service Ratio (DSR) Commitment, trade reference, poor repayment record, blacklisted, legal case or restructure status can apply
Flexible Repayment Period
Loans up to 8X net salary loan repayments from 6 months to 36 months
Low Interest Rates
The authorized interest rates for our credit loans are at 18% per annum (unsecured) and 12% per annum (secured).
Confidential And Safe
Borrower information is treated with the strictest confidence and will be protected under the Personal Data Protection Act (PTPA) 2010.
DOCUMENT NEEDED
MANDATORY DOCUMENT
- Photocopy of identity card (both front & back)
- Invinity Credit Application Form
- CTOS Concern Acknowledgment Form
- PDPA Acknowledgment Form
FOR SALARIED EARNER
- Latest 2 years EPF statement
- Latest 3 months of salary slip
- Latest 3 months bank statements
- Latest 2 years completed set BE form (with tax receipt)
- Latest 2 years - EA Form/CP58/ EC Form
FOR SELF-EMPLOYED
- Latest 6 months company bank statements
- Latest B/BE form (with tax receipt)
- Latest company register cert - ESSM/ Form A & D/ Form 9,13,24,32A,44,49 (Any applicable)
- Latest 2 years financial account
SUPPORTING DOCUMENTS
- 6 months statement to show the income from freelancing work, commission, variable allowance, or overtime
- Copy of fixed deposit certificate
- Valid tenancy agreement and latest 6 months payment record
- Latest months utilities bill
Repayment Guide
| Sample Repayment Scheme – 1.5% A Month for 10k – 100k | |||||
| LOAN AMOUNT | 1 Years | 2 Years | 3 Years | 4 Years | 5 Years |
| RM 10,000.00 | RM 983.33 | RM 566.67 | RM 427.78 | RM 358.33 | RM 316.67 |
| RM 20,000.00 | RM 1,966.67 | RM 1,133.33 | RM 855.56 | RM 716.67 | RM 633.33 |
| RM 30,000.00 | RM 2,950.00 | RM 1,700.00 | RM 1,283.33 | RM 1,075.00 | RM 950.00 |
| RM 40,000.00 | RM 3,933.33 | RM 2,266.67 | RM 1,711.11 | RM 1,433.33 | RM 1,266.67 |
| RM 50,000.00 | RM 4,916.67 | RM 2,833.33 | RM 2,138.89 | RM 1,791.67 | RM 1,583.33 |
| RM 60,000.00 | RM 5,900.00 | RM 3,400.00 | RM 2,566.67 | RM 2,150.00 | RM 1,900.00 |
| RM 70,000.00 | RM 6,883.33 | RM 3,966.67 | RM 2,994.44 | RM 2,508.33 | RM 2,216.67 |
| RM 80,000.00 | RM 7,866.67 | RM 4,533.33 | RM 3,422.22 | RM 2,866.67 | RM 2,533.33 |
| RM 90,000.00 | RM 8,850.00 | RM 5,100.00 | RM 3,850.00 | RM 3,225.00 | RM 2,850.00 |
| RM 100,000.00 | RM 9,833.33 | RM 5,666.67 | RM 4,277.78 | RM 3,583.33 | RM 3,166.67 |
Description / Service | Charges / Fees* |
Stamp Duty Fee | 0.50% of the disbursed facility amount for every approved facility. |
Legal fees | Depend on appointed lawyer billed invoice to client |
Advance payment | Requires advance payment depending on the respective tailor-made packages applied. |
Late Payment Charge | 8.00% p.a. on the arrears of outstanding for each facility (daily rest basis) as per KPKT rules. |
Early Settlement | No charges/fees to be imposed provided 2 week written notice or email request redemption details to invinitycreditsb@gmail.com. |
There will be a rebate for early settlement (“Rebate”) on the remaining interest unexpired period commencing after the redemption expiry date. | |
| Note: **The Rebate will be calculated based on the “Rule of 78” or “Sum of Digits” whereby the method of calculation of the proportion of principal and interest payable for the entire loan assumes that the interest forms a larger percentage of the monthly instalments during the early stage of the loan. |
Important T&C | For continuous 2 months default payment will result to terminal borrow enjoy all the term benefits of debtors. And debtors advice to immediate fully paid off the remaining full outstanding principal amount together with all interest and all legal charges together. |
If debtors unable serves the monthly installment, advise immediately to seek approval for authority to restructure accordingly as per credit guidelines. | |
(Applicable to ONE DEBT CONSOLIDATION PLAN) | INVINITY ONE DEBT CONSOLIDATION PLAN only disburse to settled all related existing debts in hands or all kind of fees and charges applicant subject to paid within their capable. |