FAQ

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Question often to be asked

What is personal loan mean?

Personal loans are unsecured loans with fixed payments and a fixed payment schedule.

What Are The Eligibility Criteria For Personal Loans?

To pre-qualify for a personal loan you must: 
– Be over the age of 18
– Be a Malaysia citizen

What Is My Maximum Loan Amount?

Any salaried individual/self-employed professional is eligible for a personal loan and the amount of loan eligibility will differ based on the person’s current earnings.

What Can I Use The Loan For?

Our personal loans are for any purpose. Our clients use their money for debt consolidation, home improvements, new car purchases etc.

Might I Be Refused A Loan?

We try not to turn anyone away. Whoever you are, whatever your circumstances, we try to find the right loan for you. The only people we automatically refuse are those who make fraudulent applications.

I Am Self Employed. Can Binamas Premium Help?

Yes. Whether you have certified accounts or you have to self certify your accounts, we have a wide range of service available.

I Am A Tenant. Can Binamas Premium Still Help?

Yes. We have a range of loan service and debt consolidation services for both tenants and homeowners.

How Long Does It Take To Process My Loan?

If all your document without doubt and complete, we will approve your loan within 1 hour.

How Do I Apply?

Kindly complete the online Application Form (on Apply Now Section) and we will attend you in 1-2 working days.