Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Easy Credit
Amanahkredit MY vs Easy Credit: the differences
| Compare |  Amanahkredit MY |  Easy Credit |
|---|---|---|
| APR | 18%Lower | 47.85% |
| Loan amount | MYR 300 to MYR 5,000 | €150 to €9,000 |
| Term | 2 to 30 months | 6 to 36 monthsHigher |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Up to 24 hours after approval |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | 18 or older, permanently resident citizen of Bulgaria, valid ID card |
| Loan types | Personal, Payday, Student, Business | Personal, Guarantor, Secured |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | Not confirmed |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Изи Кредит: 200 EUR, 24 weekly instalments of 9.14 EUR, 6 months, total repayable 219.36 EUR, nominal interest 39.00%, annual cost 47.85% |
| 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
- Amanahkredit MY scores higher overall: 9.0 vs 8.9.
- APR is lower at Amanahkredit MY: 18% vs 47.85%.
- Term is higher at Easy Credit: 6 to 36 months vs 2 to 30 months.
- Support channels: only Amanahkredit MY offers Email.
- Support channels: only Easy Credit offers Chat.
- Loan types: only Amanahkredit MY offers Payday, Student, Business.
- Loan types: only Easy Credit offers Guarantor, Secured.
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.
Easy Credit
Easy Credit is a Bulgarian direct lender offering personal, guarantor and secured loans of €150 to €9,000, and it suits borrowers who want a fixed rate, free early repayment and money Up to 24 hours after approval.
Score breakdown
| Area | Amanahkredit MY | Easy Credit |
|---|---|---|
| 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. | 8.7At 47.85%, the annual rate sits far above the 12% site median on personal loans, so cost scores low. |
| Offer | 8.6 | 8.9Higher |
| Trust | 9.2Higher | 9.1 |
Ranges side by side
| Fact | Amanahkredit MY | Easy Credit |
|---|---|---|
| Term | 2 to 30 months | 6 to 36 months |
Which one suits you
Pick Amanahkredit MY if apr matter most.
Pick Easy Credit if offer and term matter most.
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Amanahkredit MY
990.89
990.89
Easy Credit
2,860.35
2,860.35
Amanahkredit MY comes out 1,869.46 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Amanahkredit MY | Easy Credit |
|---|---|---|
| Personal loans | 656 of 1920 | 799 of 1920 |
Every fact side by side
| Fact | Amanahkredit MY | Easy Credit |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | Izi Asset Management AD (Изи Асет Мениджмънт АД), EIK 131576434 |
| Headquarters | Malaysia | Bulgaria |
| Founded | Not confirmed | 2005 |
| Support channels | Email, Phone, Help centre | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Amanahkredit MY | Easy Credit | Median |
|---|---|---|---|
| APR | 18%above the median | 47.85%highest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 6 to 36 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.
Easy Credit
Pros
- Fixed rate on every loan (fixed), so instalments hold steady across the term.
- Funding Up to 24 hours after approval, and free early repayment if you settle sooner.
- Regulated by the Bulgarian National Bank as a non-bank financial institution, licence BGR00009.
Cons
- Cost is the weak point: the annual rate is 47.85% against a site median of 12% on personal loans.
- The credit check is hard, so an application can leave a mark on the credit file.
- Loan sizes run €150 to €9,000 and terms 6 to 36, so it cannot cover a large, long borrowing.
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%.
Easy Credit
Who it suits
- Bulgarian residents with a valid ID card who need a loan of €150 to €9,000.
- Borrowers who want a fixed rate and can clear the debt early without charge.
- Anyone who needs the money Up to 24 hours after approval and can plan around the weekly instalments.
Who should look elsewhere
- Borrowers chasing a low rate: Monzo Flex lists 10% to 23%, well below the 47.85% here.
- Readers wanting a free comparison point: Cashspace ES shows 0% against this lender's 47.85%.
- Readers comparing across markets: Cashspace runs PHP 12 to PHP 36 in a different market and a different product type.
Country by country
| Country | Amanahkredit MY | Easy Credit |
|---|---|---|
| Bulgaria | No | Yes |
| Malaysia | Yes | No |
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.
Easy Credit
What rate do I pay on an Easy Credit loan?+
Easy Credit publishes an annual rate of 47.85%. Its representative example is a small personal loan repaid in weekly instalments, and the annual cost there is the same figure. What you pay weekly depends on the amount and the term, so treat the example as a guide.
How much can I borrow, and for how long?+
Loan amounts run €150 to €9,000 and terms run 6 to 36, which suits a small purchase or a bill rather than a large renovation. The top of the range sits above the site median of €876.96 and the bottom well below it, so the spread is wide.
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