Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Giromatch
What sets them apart
| Compare |  Amanahkredit MY |  Giromatch |
|---|---|---|
| APR | 18% | 4.62%Lower |
| Loan amount | MYR 300 to MYR 5,000 | €100 to €100,000 |
| Term | 2 to 30 months | 1 to 120 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | One-off provision of 1.25% of the net loan amount |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Same-day payout on business days if applied before 16:00; instant payout within 24 hours on request |
| Lender type | Direct lender | Broker |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | 18 years or older, euro bank account (SEPA), minimum EUR 500 net income per month |
| Loan types | Personal, Payday, Student, Business | Personal, Payday, Debt consolidation, Credit line, Student |
| Credit check | Not confirmed | Soft prequal |
| Representative example | Not confirmed | Effective annual rate 4.62%, nominal rate 3.90% p.a., net loan amount EUR 10,000, term 4 years, one-off provision 1.25% of net loan amount, monthly rate EUR 228.15, total cost EUR 10,951.07 |
| Origination fee (%) | Not confirmed | 1.25% |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Amanahkredit MY scores higher overall: 9.0 vs 8.7.
- Giromatch is available in 2 more countries.
- APR is lower at Giromatch: 4.62% vs 18%.
- Term is higher at Giromatch: 1 to 120 months vs 2 to 30 months.
- Features: only Giromatch offers Credit line.
- Loan types: only Amanahkredit MY offers Business.
- Loan types: only Giromatch offers Debt consolidation, Credit line.
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.
Giromatch
Giromatch is a German broker whose fixed-rate loans start at an APR of 4.62%, with terms from 1 to 120 and free early repayment. It suits adults with a euro bank account and a minimum monthly net income who want a soft prequalification and a payout into the account on the same day.
Score breakdown
| Area | Amanahkredit MY | Giromatch |
|---|---|---|
| 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. | 9.1HigherLow APR of 4.62%, offset by a one-off provision of 1.25% on personal and consolidation loans. |
| Offer | 8.6 | 8.6 |
| Trust | 9.2Higher | 8.4 |
Choosing between them
Pick Amanahkredit MY if trust matter most.
Pick Giromatch if apr and term matter most.
Licences and countries
| Country | Amanahkredit MY | Giromatch |
|---|---|---|
| Germany | Not confirmed | |
| Malaysia | Ministry of Housing and Local Government (KPKT), Malaysia WL3468/01/01-11/270127 | Not confirmed |
Additional countries for Amanahkredit MY: 1. Additional countries for Giromatch: 3.
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 30 months for Amanahkredit MY and 1 to 120 months for Giromatch.
Sofkredit reviewHow they place
| Ranking | Amanahkredit MY | Giromatch |
|---|---|---|
| Personal loans | 656 of 1920 | 976 of 1920 |
| Payday and short-term loans | 121 of 247 | 198 of 247 |
| Private student loans | 70 of 167 | 104 of 167 |
Every fact side by side
| Fact | Amanahkredit MY | Giromatch |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | GIROMATCH GmbH |
| Headquarters | Malaysia | Germany |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Amanahkredit MY | Giromatch | Median |
|---|---|---|---|
| APR | 18%above the median | 4.62%below the median | 8.99% |
| Term | 2 to 30 monthsbelow the median | 1 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 1.25%above the median | 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.
Giromatch
Pros
- The credit check is a soft prequalification, so the first look at a file is lighter than a hard check.
- Free early repayment, so clearing the balance ahead of schedule adds nothing to the bill.
- Support runs on email, phone and help centre, so phone and email are both open.
Cons
- A one-off provision of 1.25% of the net amount comes on top, so the low rate is not the whole cost.
- The check is a soft prequalification (soft prequal), so a fuller assessment can still follow before money moves.
- Giromatch is a broker (broker), so the rate is set by the lender it pairs you with rather than by Giromatch.
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%.
Giromatch
Who it suits
- Adults with a euro bank account and a minimum net income each month, which is the eligibility baseline.
- Borrowers with a thin credit file, since the credit needed is poor (poor) and the check is soft.
- People who want fixed-rate borrowing across personal, payday, consolidation, credit line and student loans (personal, payday and debt consolidation).
Who should look elsewhere
- Anyone after a free rate: Cashspace ES lists 0%.
- Borrowers weighing a wider rate range: Monzo Flex quotes 10% to 23%.
Country by country
| Country | Amanahkredit MY | Giromatch |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Malaysia | Yes | No |
| Switzerland | 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.
Giromatch
What rate do I pay on a Giromatch loan?+
The rate is an APR of 4.62% and the rate type is fixed, so the figure does not move with the market. Terms run 1 to 120, which lets you spread the same rate over a longer or shorter repayment. It sits well under the 12% median across the loans on our data.
What fees does Giromatch charge?+
One arrangement cost stands out, a one-off provision of 1.25% of the net amount on personal and consolidation loans (personal, payday and debt consolidation). It is charged once at the start rather than monthly, and early repayment is free, so clearing the balance early adds nothing.
Other options to compare
Other matchups
- Amanahkredit MY vs CashX
- Amanahkredit MY vs Easy Credit
- Amanahkredit MY vs Kredit.de
- Amanahkredit MY vs SMBC card loan
- Amanahkredit MY vs Credit+
- Amanahkredit MY vs Credius
- Amanahkredit MY vs 1822direkt
- Amanahkredit MY vs BCS Lending
- Amanahkredit MY vs Plazo ES
- Amanahkredit MY vs Rahalaitos
- Amanahkredit MY vs Smava
- Amanahkredit MY vs AvaFin Poland
- Amanahkredit MY vs Zonky