Smart Loan Calculator & Transparent Pricing
Estimate your monthly repayment and understand your total financing cost before you apply
Smart Finance Calculator
**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
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Calculator Disclaimer
The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.
💰 Fees & Charges
Profit Rate / APR
Our financing offers competitive profit rates starting from as low as 3.88% per annum, depending on your eligibility, financing amount, and repayment period. Final approved rates may vary based on the assessment by the financial service provider.
Early Settlement
You may choose to settle your financing early. Early settlement is allowed without penalty, subject to the terms and conditions of the financing provider.
Late Payment Fee
A late payment fee of 1% per annum will be charged on any overdue amount. This fee is calculated daily from the date of missed payment until the outstanding balance is fully settled.
📋 Eligibility Requirements
To apply for financing, applicants must meet the following criteria:
Applicants must be Malaysian citizens aged between 18 to 55 years old. A minimum annual income of RM30,000 is required.
We accept a wide range of employment types, including salaried employees, gig workers, and commission-based earners.
All applications are subject to assessment and approval by the respective financial service provider.