FINANCING
Personal Financing
without Guarantors
Secure a personal loan up to RM100,000 with
flexible repayment terms—no guarantor needed.
Maximum of RM100,000
From 6 months to a maximum of 120 months
3.65% per annum
5 working days
Affordable Financing Tailored to You
Unlock Your Financial Potential
- Open to Malaysian Armed Forces personnel and KT member-status civil servants serving in the Ministry of Defence and outside the Ministry of Defence (MINDEF).
- The applicant’s length of service must exceed the financing tenure or repayment period.
- Restricted to members who have held their membership for a period of five years or hold the rank of Lance Corporal and above or equivalent.
- Financing eligibility must not exceed 60% of the allowable deductions.
- Repayment will include an additional 0.85% charge per annum imposed on the approved financing to replace the guarantor (Al Kafalah concept).
- Applicants have paid monthly fees for a minimum duration of 6 months (for new members) or 12 months (for re-entry).
- For financing of up to RM15,000 : RM30 per month
- For financing between RM15,001 to RM100,000 : RM40 per month
- New financing : RM10
- Overlap financing : RM50
- CTOS/CCRIS Check : RM5/RM7
- Financing of RM1000 and below: The minimum stamp duty is set at RM10.
- Financing of RM1000 and above: RM5 for every RM1000 or part thereof, or as stipulated in the Stamp Duty Act 1949 and its amendments from time to time.
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*Subject to Terms and Conditions
Note: For more information visit the nearest Koperasi Tentera branch or contact KT Customer Care Centre at 03-2303 0000.