Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Credius
What sets them apart
| Compare |  Amanahkredit MY | Credius ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 18%Lower | 36.91% to 274.26% |
| Loan amount | MYR 300 to MYR 5,000 | RON 1,850 to RON 100,000 |
| Term | 2 to 30 months | 12 to 60 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 500 RON file analysis commission (representative example) |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | About 5 minutes from approval, delivered directly to card |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Minimum 18 years old, Romanian citizenship and residence in Romania, at least 1 month job tenure, pensioners present pension slip |
| Loan types | Personal, Payday, Student, BusinessCovers more | Personal, Payday, Business |
| Representative example | Not confirmed | Credit cu buletinul: 5,000 lei over 24 months at 45%/year, 0% monthly administration commission plus 500 lei file analysis commission, 319.59 lei monthly, DAE 75.39%, total payable 8,170.16 lei |
| Rate type | Fixed | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Amanahkredit MY scores higher overall: 9.0 vs 8.9.
- APR is lower at Amanahkredit MY: 18% vs 36.91% to 274.26%.
- Term is higher at Credius: 12 to 60 months vs 2 to 30 months.
- Support channels: only Credius offers Chat.
- Loan types: only Amanahkredit MY offers Student.
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.
Credius
Credius suits Romanian borrowers who need a straightforward personal loan and can wait for approval before the money lands. Loan amounts run RON 1,850 to RON 100,000 over 12 to 60, with rates at 36.91% to 274.26% on file-analysis lending.
Score breakdown
| Area | Amanahkredit MY | Credius |
|---|---|---|
| Cost | 8.9HigherAPR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. | 8.7 |
| Offer | 8.6 | 9.3Higher |
| Trust | 9.2Higher | 8.9 |
Which one suits you
Pick Amanahkredit MY if trust, apr, and loan types matter most.
Pick Credius if offer and term matter most.
Also worth a look
Sofkredit has apr at 10.74% to 18.06%, against 18% for Amanahkredit MY and 36.91% to 274.26% for Credius.
Sofkredit reviewWhat we checked
Amanahkredit MY
- amanahkredit.my: 16 facts, checked September 26, 2026
Credius
- credius.ro: 17 facts, checked September 26, 2026
How they place
| Ranking | Amanahkredit MY | Credius |
|---|---|---|
| Personal loans | 656 of 1920 | 787 of 1920 |
| Payday and short-term loans | 121 of 247 | 141 of 247 |
| Business loans | 157 of 438 | 194 of 438 |
| Home improvement loans | 294 of 562 | 352 of 562 |
Every fact side by side
| Fact | Amanahkredit MY | Credius |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | Credius IFN S.A. |
| Headquarters | Malaysia | Romania |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Amanahkredit MY | Credius | Median |
|---|---|---|---|
| APR | 18%above the median | 36.91% to 274.26%highest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 12 to 60 monthsat 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.
Credius
Pros
- Free early repayment means you can clear the balance early without an exit charge from the lender.
- Funding is About 5 minutes from approval, delivered directly to card and the same-day-funding feature is listed, so approved borrowers are not left waiting on transfers.
- Support runs through email, chat and phone, giving borrowers a phone line and a help centre as well as email and chat.
Cons
- Rates of 36.91% to 274.26% are steep for a personal loan, sitting well above the site median of 12%.
- The fee to watch is 500 RON file analysis commission (representative example), charged on the representative example on top of the borrowing rate.
- Applications ask for Romanian citizenship and residence, a minimum age, and a job tenure or a pension slip, which narrows who can qualify.
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%.
Credius
Who it suits
- Romanian residents with stable income or a pension who need a personal, payday or business loan.
- Borrowers who want to clear the balance early without paying an exit charge for doing so.
- Anyone who values a quick payout after approval more than a low rate.
Who should look elsewhere
- Anyone living outside Romania, since eligibility asks for Romanian citizenship and residence in the country.
- Borrowers with thin files who want a low rate, given fair credit and rates at 36.91% to 274.26%.
- People who want a long repayment period spread thin, since terms run 12 to 60 at 36.91% to 274.26%.
Country by country
| Country | Amanahkredit MY | Credius |
|---|---|---|
| Malaysia | Yes | No |
| Romania | 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.
Credius
What does Credius cost to borrow?+
Rates run 36.91% to 274.26% on file-analysis lending, and amounts run RON 1,850 to RON 100,000. The representative example carries a file analysis commission of 500 RON file analysis commission (representative example), so the up-front fee matters as much as the rate.
How long does a Credius loan take to repay?+
Terms run 12 to 60, a narrower spread than many personal loans offer. The lender serves a single market, so the full range applies to Romanian borrowers only, and a longer term means more months charged at 36.91% to 274.26%.
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