Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs CashXpress
Amanahkredit MY vs CashXpress: the differences
| Compare |  Amanahkredit MY | CashXpress ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 18% | 0% to 726.35%Lower |
| Loan amount | MYR 300 to MYR 5,000 | ₱1,000 to ₱50,000 |
| Term | 2 to 30 months | 180 to 365 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | PHP 1,000 |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Funds within 24 hours of approval |
| Lender type | Direct lender | Broker |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | 21-70 years old, Filipino citizen living in the Philippines, employed or with stable income, active mobile number, active bank account or e-wallet, one valid government ID |
| Loan types | Personal, Payday, Student, BusinessCovers more | Personal |
| Credit check | Not confirmed | None |
| Representative example | Not confirmed | 10,000 PHP for 182 days at 700% APR, total to repay 38,999 PHP |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- CashXpress scores higher overall: 9.1 vs 9.0.
- APR is lower at CashXpress: 0% to 726.35% vs 18%.
- Term is higher at CashXpress: 180 to 365 months vs 2 to 30 months.
- Loan types: only Amanahkredit MY offers Payday, 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.
CashXpress
CashXpress suits employed Filipino adults with poor credit who need money quickly and face no credit check. Personal loans run PHP 1,000 to PHP 50,000 at an APR of 0% to 726.35%, funds arrive Funds within 24 hours of approval, and the headline cost is easy to underestimate once the origination fee is counted.
Score breakdown
| Area | Amanahkredit MY | CashXpress |
|---|---|---|
| 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. | 9.9Higher |
| Offer | 8.6 | 9.1HigherAPR 0% to 726.35% plus an origination fee of PHP 1,000: quick payout, weak on cost. |
| Trust | 9.2Higher | 8.3 |
Ranges side by side
| Fact | Amanahkredit MY | CashXpress |
|---|---|---|
| Term | 2 to 30 months | 180 to 365 months |
Pick Amanahkredit MY if, pick CashXpress if
Pick Amanahkredit MY if trust and loan types matter most.
Pick CashXpress if cost, offer, apr, and term matter most.
Side by side, item by item
| Loan types | Amanahkredit MY | CashXpress |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Use cases | Amanahkredit MY | CashXpress |
|---|---|---|
| Home improvement | Yes | Yes |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 18% for Amanahkredit MY and 0% to 726.35% for CashXpress.
FINANZCHECK.de reviewHow they place
| Ranking | Amanahkredit MY | CashXpress |
|---|---|---|
| Personal loans | 656 of 1920 | 558 of 1920 |
| Home improvement loans | 294 of 562 | 236 of 562 |
Every fact side by side
| Fact | Amanahkredit MY | CashXpress |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | Cash-Express Philippines Financing Inc. |
| Headquarters | Malaysia | Philippines |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Amanahkredit MY | CashXpress | Median |
|---|---|---|---|
| APR | 18%above the median | 0% to 726.35%lowest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 180 to 365 monthshighest quarter | 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.
CashXpress
Pros
- No credit check, and poor credit is accepted, so a bureau score does not block the application.
- Funds Funds within 24 hours of approval, which matters when the need is an emergency.
- Licensed by the Securities and Exchange Commission (Philippines), with a named legal entity behind the site.
Cons
- CashXpress charges 0% to 726.35%, while the site's personal loan APR median is 12.25%.
- An origination fee of PHP 1,000 is added on top of the interest.
- The book is personal loans only, so a home improvement project has no secured route to a cheaper rate.
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%.
CashXpress
Who it suits
- Filipino adults with poor credit who are turned away by a credit check elsewhere, and who need PHP 1,000 to PHP 50,000 rather than a cheque from a bank queue.
- Borrowers weighing a broker with no credit check against cheaper lenders such as Cashspace at PHP 12 to PHP 36.
- People paying for home improvement work who need cash in hand faster than a normal bank turnaround.
Who should look elsewhere
- Borrowers after the cheapest rate: Cashspace ES lists an APR of 0%, far below 0% to 726.35%.
- Anyone who can pass a credit check and wants to borrow more cheaply: Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% costs less to owe.
- Applicants planning a long repayment: terms of 180 to 365 months mean that many months of interest at 0% to 726.35%.
Current offers
CashXpress
Current offer
First period offer
Promo offer for New Customers (First Time Loan): 0% interest for the first 7 days
New customers, first time loan; then 1.99% per day for the rest of the loan duration; minimum term 180 days, maximum term 365 days
Source, checked September 26, 2026
Country by country
| Country | Amanahkredit MY | CashXpress |
|---|---|---|
| Malaysia | Yes | No |
| Philippines | 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.
CashXpress
How much does a CashXpress personal loan cost?+
The published representative example repays far more than it lends, so judge the offer on the total repay figure rather than the headline rate. Interest runs at 0% to 726.35%, and an origination fee of PHP 1,000 is charged on top, which makes a short loan expensive in absolute terms.
Does CashXpress run a credit check?+
There is no credit check, and applicants with poor credit are accepted. CashXpress works as a broker, so an application goes to lenders who set their own pricing, which is why the rate can land anywhere in the 0% to 726.35% range.
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