Updated September 29, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs CashX
Where Amanahkredit MY and CashX differ
| Compare |  Amanahkredit MY |  CashX |
|---|---|---|
| Loan amount | MYR 300 to MYR 5,000 | LKR 5,000 to LKR 300,000 |
| Term | 2 to 30 months | 5 to 30 months |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | Consulting and service fees, 0% to 2.2% per day |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Money credited to bank account within two hours of approval |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Age 18 to 60, employed or with a steady income, located in Sri Lanka (terms page: Sri Lankan citizens aged 20 or older, site for use within Sri Lanka) |
| Loan types | Personal, Payday, Student, BusinessCovers more | Personal, Payday |
| APR | 18% | Not confirmed |
| Representative example | Not confirmed | Borrow RS 10,000 over 10 days, repayment RS 12,200 in total |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- CashX scores higher overall: 9.2 vs 9.0.
- Support channels: only CashX offers Chat.
- Loan types: only Amanahkredit MY offers Student, Business.
Our verdict on each
Amanahkredit MY
Amanahkredit MY is a licensed Malaysian direct lender for small, short personal and payday loans that fund quickly, at an APR of 18%. That sits below the payday ranking median of 36.5%, so it suits borrowers who put payout speed and charge-free early settlement ahead of the lowest price.
CashX
CashX lends directly in Sri Lanka and pays out fast, with money reaching your bank account Money credited to bank account within two hours of approval. Borrowing suits employed adults who need a short personal or payday loan and want to clear it early without extra cost.
Score breakdown
| Area | Amanahkredit MY | CashX |
|---|---|---|
| Cost | 8.9APR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. | 9.2Higher |
| Offer | 8.6 | 9.2Higher |
| Trust | 9.2 | 9.2 |
How they place
| Ranking | Amanahkredit MY | CashX |
|---|---|---|
| Personal loans | 656 of 1920 | 443 of 1920 |
| Payday and short-term loans | 121 of 247 | 99 of 247 |
Sources behind this comparison
Amanahkredit MY
- amanahkredit.my: 16 facts, checked September 26, 2026
CashX
- cashx.lk: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Amanahkredit MY | CashX |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | A V Business Solutions (Private) Limited |
| Headquarters | Malaysia | Sri Lanka |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Amanahkredit MY | CashX | Median |
|---|---|---|---|
| APR | 18%above the median | Not confirmed | 8.99% |
| Term | 2 to 30 monthsbelow the median | 5 to 30 monthsbelow the median | 60 |
Median across 1152 listed lenders.
Pros and cons
Amanahkredit MY
Pros
- Licensed in Malaysia by the Ministry of Housing and Local Government (KPKT) under WL3468/01/01-11/270127.
- Funds go out Within 24 hours of approval, same day if applied before 5 pm, with same-day funding among same day funding.
- Early repayment carries no charge, so a shorter payoff costs nothing extra.
Cons
- An APR of 18% is above the site median of 12% and above Monzo Flex at 10% to 23%.
- Terms run 2 to 30, well short of the site median term of 36.
CashX
Pros
- Fixed rate borrowing, so the cost does not move while you repay: fixed
- Fast payout straight to a bank account: Money credited to bank account within two hours of approval
- Free early repayment, so settling sooner costs no extra fee
Cons
- Fees are heavy at the top of the range: Consulting and service fees, 0% to 2.2% per day
- The shortest representative example costs Borrow RS 10,000 over 10 days, repayment RS 12,200 in total
- Credit is aimed at poor credit files, which narrows who is likely to be accepted: poor
Who each suits
Amanahkredit MY
Who it suits
- Malaysian citizens with a MyKad, stable employment and an active local bank account.
- Applicants who need money the same day and would rather clear a short term than stretch it.
- Borrowers who want to settle early without a charge and prefer dealing with a direct lender.
Who should look elsewhere
- Cost-first borrowers, since 18% sits above the site median of 12% and above Monzo Flex at 10% to 23%.
CashX
Who it suits
- Employed adults in Sri Lanka with a steady income who need money quickly
- Borrowers who can settle the balance early and want to pay no early repayment fee
- Anyone looking for personal and payday loans from a direct lender rather than a broker
Who should look elsewhere
- Anyone outside Sri Lanka, since the site is for use within Sri Lanka and applicants must be located there
- People wanting a large long term loan, since terms run 5 to 30 and amounts top out at LKR 5,000 to LKR 300,000
Current offers
CashX
Current offer
Discount code
Exclusive offer! Interest from 0.01%: Interest from 0.01%
Source, checked September 26, 2026
Country by country
| Country | Amanahkredit MY | CashX |
|---|---|---|
| Malaysia | Yes | No |
| Sri Lanka | No | Yes |
Questions about each
Amanahkredit MY
What rate does Amanahkredit MY charge?+
The published APR is 18%, and the rate type is fixed, so the cost does not drift during the term. That sits above the site median of 12% but below the payday ranking median of 36.5%, where short-term fixes tend to price out.
How much can I borrow, and over what term?+
Loan amounts run MYR 300 to MYR 5,000 and terms run 2 to 30, with home improvement given as the main use. The listed categories are personal, payday and student. That menu suits a planned bill or a contained repair rather than a large project.
CashX
What does CashX charge for borrowing?+
CashX charges consulting and service fees, listed as Consulting and service fees, 0% to 2.2% per day. The worked example on the site shows Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which is the clearest way to see the true cost of a short loan. Work out the total you will repay before you sign.
How fast do I get the money?+
CashX states that Money credited to bank account within two hours of approval. Same day funding is one of the features of the service, so a payday style loan can cover a bill that cannot wait for a pay cycle. Approval still depends on the checks CashX runs.
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