Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Zmarta
Amanahkredit MY vs Zmarta: the differences
| Compare |  Amanahkredit MY |  Zmarta |
|---|---|---|
| APR | 18% | 7.22%Lower |
| Loan amount | MYR 300 to MYR 5,000 | SEK 800,000 |
| Term | 2 to 30 months | 60 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 0 SEK |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | 1-4 days after signing the loan agreement |
| Rate type | Fixed | Variable |
| Lender type | Direct lender | Broker |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | Over 18 years old, annual income of at least 100 000 SEK, no unpaid debts with the Swedish Enforcement Authority (applications with records of non-payment accepted by some partner banks) |
| Loan types | Personal, Payday, Student, Business | Personal, Debt consolidation |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Loan of 225 000 SEK, nominal interest 6.99%, 5 year term, effective rate 7.22% |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Zmarta scores higher overall: 9.2 vs 9.0.
- APR is lower at Zmarta: 7.22% vs 18%.
- Term is higher at Zmarta: 60 months vs 2 to 30 months.
- Loan types: only Amanahkredit MY offers Payday, Student, Business.
- Loan types: only Zmarta offers Debt consolidation.
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.
Zmarta
Zmarta suits Swedish borrowers who want a single application to reach partner banks for a personal or consolidation loan, and it also places home loans. Borrowing runs to SEK 800,000, the worked example term is 60 months, and home loans reach a 90% loan to value.
Score breakdown
| Area | Amanahkredit MY | Zmarta |
|---|---|---|
| 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. | 9.3HigherAPR of 7.22% against 12% across the site, and an arrangement fee of 0 SEK on personal loans. |
| Offer | 8.6 | 9.6HigherBroker covering personal and debt consolidation plus home improvement, so home and debt costs sit under a single brand. |
| Trust | 9.2Higher | 8.7 |
Where each is licensed and available
| Country | Amanahkredit MY | Zmarta |
|---|---|---|
| Malaysia | Ministry of Housing and Local Government (KPKT), Malaysia WL3468/01/01-11/270127 | Not confirmed |
| Sweden | Not confirmed |
Additional countries for Amanahkredit MY: 1. Additional countries for Zmarta: 1.
What each covers
| Loan types | Amanahkredit MY | Zmarta |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | No | Yes |
| Business | Yes | No |
| Student | Yes | No |
| Use cases | Amanahkredit MY | Zmarta |
|---|---|---|
| Home improvement | Yes | Yes |
Sources behind this comparison
Amanahkredit MY
- amanahkredit.my: 16 facts, checked September 26, 2026
Zmarta
- zmarta.se: 19 facts, checked September 26, 2026
How they place
| Ranking | Amanahkredit MY | Zmarta |
|---|---|---|
| Personal loans | 656 of 1920 | 506 of 1920 |
| Home improvement loans | 294 of 562 | 208 of 562 |
Every fact side by side
| Fact | Amanahkredit MY | Zmarta |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | Zmarta AB |
| Headquarters | Malaysia | Sweden |
| Founded | Not confirmed | 1999 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Amanahkredit MY | Zmarta |
|---|---|---|
| Initial rate | Not confirmed | 2.58% |
| Fixed period | Not confirmed | 0.25 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | SEK 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Amanahkredit MY | Zmarta | Median |
|---|---|---|---|
| APR | 18%above the median | 7.22%below the median | 8.99% |
| Term | 2 to 30 monthsbelow the median | 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below 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.
Zmarta
Pros
- Early repayment is free, so overtime or a bonus can clear the balance early.
- The lender type is broker, so one application reaches several partner banks.
- A fixed rate model on the home loan side, with an initial rate of 2.58%.
Cons
- A hard credit check runs on applications, and eligibility bars applicants with unpaid debts at the Swedish Enforcement Authority, save for some partner banks.
- Payout waits 1-4 days after signing the loan agreement after the agreement is signed, so urgent bills need a different plan.
- Support runs on phone, email and help centre only, with no live chat among the listed channels.
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%.
Zmarta
Who it suits
- Adults in Sweden with a steady income and no unpaid debts held by the Swedish Enforcement Authority, since eligibility is checked up front.
- People consolidating existing debts, as personal and debt consolidation covers personal and consolidation lending.
- Homeowners funding renovations, the home improvement use case listed for the unsecured loan.
Who should look elsewhere
- Readers who need money sooner, since Zmarta pays out 1-4 days after signing the loan agreement after signing and can be lined up against Monzo Flex at 10% to 23%.
- Cost-first borrowers, who should set Zmarta's 7.22% against Cashspace ES at 0% and Cashspace at PHP 12 to PHP 36.
Country by country
| Country | Amanahkredit MY | Zmarta |
|---|---|---|
| Malaysia | Yes | No |
| Sweden | 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.
Zmarta
What rate will I pay on a Zmarta personal loan?+
The listed rate is an APR of 7.22%. The worked example pairs that effective rate with a nominal rate a little lower, so the figure to compare on is the effective one. Across the site the median APR sits at 12%, which places Zmarta below the middle of the field.
Does Zmarta charge arrangement or product fees?+
On personal loans the origination fee is 0 SEK and the percentage fee is 0%, so borrowing carries no upfront charge. On the mortgage side the product fee is listed as SEK 0. Early repayment is free too, so overpaying is not penalised.
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