Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Credit+
Where Amanahkredit MY and Credit+ differ
| Compare |  Amanahkredit MY |  Credit+ |
|---|---|---|
| APR | 18% | 0.1% to 0.5%Lower |
| Loan amount | MYR 300 to MYR 5,000 | ₹8,000 to ₹35,000 |
| Term | 2 to 30 months | 91 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 5% to 7% processing charges, deducted from the loan at disbursement |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | 15-20 minutes |
| Rate type | Fixed | Variable |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Indian citizens aged 18-55, salaried professionals, minimum monthly salary INR 20,000, salary credited to an active bank account, minimum credit score 680 |
| Loan types | Personal, Payday, Student, BusinessCovers more | Personal |
| Credit check | Not confirmed | Hard |
| Origination fee (%) | Not confirmed | 5% to 7% |
| Credit needed | Not confirmed | Good |
Same on both: Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Credit+ scores higher overall: 9.2 vs 9.0.
- APR is lower at Credit+: 0.1% to 0.5% vs 18%.
- Term is higher at Credit+: 91 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.
Credit+
Credit+ suits salaried professionals with a good credit score who want a personal loan for home improvement funded quickly. Disbursement takes 15-20 minutes, the rate is variable and early repayment is free, but processing charges of 5% to 7% come off the loan before it reaches your account.
Score breakdown
| Area | Amanahkredit MY | Credit+ |
|---|---|---|
| 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. | 9.1Higher |
| Offer | 8.6 | 9.2HigherOffer scores on a 0.1% to 0.5% rate band, a 91 month term and a hard credit check. |
| Trust | 9.2 | 9.2 |
Where they rank in our lists
| Ranking | Amanahkredit MY | Credit+ |
|---|---|---|
| Personal loans | 656 of 1920 | 448 of 1920 |
| Home improvement loans | 294 of 562 | 174 of 562 |
Every fact side by side
| Fact | Amanahkredit MY | Credit+ |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | Credify Technologies Private Limited |
| Headquarters | Malaysia | India |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Amanahkredit MY | Credit+ | Median |
|---|---|---|---|
| APR | 18%above the median | 0.1% to 0.5%lowest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 91 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 5% to 7%highest quarter | 0.25 |
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.
Credit+
Pros
- The standout feature is same day funding, with 15-20 minutes from approval to your account.
- Early repayment is free, so a windfall can clear the balance early.
- It is a direct lender, so one party handles the application and the payout.
Cons
- Processing charges of 5% to 7% come off the loan at disbursement, so the approved amount never reaches you in full.
- The rate is variable, so instalments can move with the market rather than staying level.
- The credit check is hard, so a search sits on your file.
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%.
Credit+
Who it suits
- Salaried professionals whose salary is credited to an active bank account.
- Borrowers who need the money quickly for home improvement work.
- Anyone comfortable with a good credit score and the eligibility rules.
Who should look elsewhere
- Monzo Flex, whose rate of 10% to 23% sits in a different market and currency.
- Cashspace, at PHP 12 to PHP 36, if a published rate band is easier to weigh than a variable rate.
- Cashspace ES, where the listed rate of 0% is worth checking first if you can qualify.
Current offers
Credit+
Current offer
Bonus
10x Coins on Your First Loan: 10x coins
Offered in the Creditt+ app on the first loan
Source, checked September 26, 2026
Country by country
| Country | Amanahkredit MY | Credit+ |
|---|---|---|
| India | 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.
Credit+
What rate do I pay on a Credit+ loan?+
The quoted rate is 0.1% to 0.5% and the rate type is variable, so instalments can move with the market over the 91 month term rather than staying level throughout. The rate is set for each borrower at application, so an offer can differ from the headline band.
How much can I borrow?+
Loan amounts run INR 8,000 to INR 35,000, which suits a mid-sized renovation or a mix of costs rather than a property purchase. The figure you receive is set against your salary and credit file at application, and the balance is repaid over a term of 91 months.
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