Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs SMBC card loan
Where Amanahkredit MY and SMBC card loan differ
| Compare |  Amanahkredit MY | SMBC card loan ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 18% | 1.5% to 14.5%Lower |
| Loan amount | MYR 300 to MYR 5,000 | ¥100,000 to ¥8,000,000 |
| Term | 2 to 30 months | 480 monthsHigher |
| Free early repayment | YesHas it | No |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Individuals aged 20 to 69 resident in Japan; SMBC bank account or SMBC card required for some channels |
| Loan types | Personal, Payday, Student, Business | Personal, Credit line, Cash advance |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | Not confirmed |
| Credit check | Not confirmed | Hard |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- SMBC card loan scores higher overall: 9.1 vs 9.0.
- APR is lower at SMBC card loan: 1.5% to 14.5% vs 18%.
- Free early repayment: only Amanahkredit MY.
- Term is higher at SMBC card loan: 480 months vs 2 to 30 months.
- Support channels: only Amanahkredit MY offers Email, Help centre.
- Features: only Amanahkredit MY offers Same day funding.
- Features: only SMBC card loan offers Credit line.
- Loan types: only Amanahkredit MY offers Payday, Student, Business.
- Loan types: only SMBC card loan offers Credit line, Cash advance.
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.
SMBC card loan
SMBC card loan is a large, fixed rate revolving loan for adults living in Japan who already bank with the bank. It suits borrowers who want one long term and a reusable limit; the APR runs 1.5% to 14.5% on a balance of ¥100,000 to ¥8,000,000.
Score breakdown
| Area | Amanahkredit MY | SMBC card loan |
|---|---|---|
| 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. | 8.9 |
| Offer | 8.6 | 9.1HigherFixed rate on a credit line of ¥100,000 to ¥8,000,000 at an APR of 1.5% to 14.5%, from a direct lender. |
| Trust | 9.2 | 9.2 |
Licences and countries
| Country | Amanahkredit MY | SMBC card loan |
|---|---|---|
| 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 SMBC card loan: 1.
Feature by feature
| Loan types | Amanahkredit MY | SMBC card loan |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Credit line | No | Yes |
| Business | Yes | No |
| Student | Yes | No |
| Cash advance | No | Yes |
Where these facts come from
Amanahkredit MY
- amanahkredit.my: 16 facts, checked September 26, 2026
SMBC card loan
- smbc.co.jp: 13 facts, checked September 26, 2026
How they place
| Ranking | Amanahkredit MY | SMBC card loan |
|---|---|---|
| Personal loans | 656 of 1920 | 622 of 1920 |
Every fact side by side
| Fact | Amanahkredit MY | SMBC card loan |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | Not confirmed |
| Headquarters | Malaysia | Japan |
| Support channels | Email, Phone, Help centreCovers more | Phone |
Where each stands against the rest
| Fact | Amanahkredit MY | SMBC card loan | Median |
|---|---|---|---|
| APR | 18%above the median | 1.5% to 14.5%lowest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 480 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.
SMBC card loan
Pros
- One fixed rate holds for the life of the loan, so payments stay level.
- A revolving credit line lets you draw, repay and redraw within the same limit.
- A hard credit check means a decision is made on your file, not guesswork.
Cons
- Free early repayment is no, so clearing the balance sooner does not reduce the total cost.
- Support runs on phone only, with no written help channel listed.
- Some channels ask for an SMBC bank account or an SMBC card, which narrows who can apply.
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%.
SMBC card loan
Who it suits
- Adults resident in Japan who hold an SMBC account or card
- Borrowers wanting a fixed rate that does not move with the market
- People who will draw and repay on a revolving limit rather than take a lump sum
Who should look elsewhere
- Anyone wanting to pay a loan off early, since free early repayment is no
- Borrowers who need help by email or live chat, as support runs on phone only
- Applicants with no SMBC account and no SMBC card, which some channels ask for
Current offers
Country by country
| Country | Amanahkredit MY | SMBC card loan |
|---|---|---|
| Japan | 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.
SMBC card loan
What rate does the SMBC card loan charge?+
Interest is fixed, so the rate you are offered does not change while the loan runs. The published range is an APR of 1.5% to 14.5%, and the rate type is fixed. Rates are set individually, so the figure you see may sit anywhere inside that range.
How much can I borrow?+
The credit line runs from ¥100,000 to ¥8,000,000, which is a large limit by Japanese standards and well above the typical amount on the site. You can draw part of it and repay before drawing again, so you only pay interest on what you use.
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