Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs Zonky
What sets them apart
| Compare |  Amanahkredit MY |  Zonky |
|---|---|---|
| APR | 18% | 4.5% to 26.94%Lower |
| Loan amount | MYR 300 to MYR 5,000 | CZK 5,000 to CZK 2,000,000 |
| Term | 2 to 30 months | 12 to 120 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | 2% of the loan amount |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | Within minutes if the bank supports instant payments; most applications decided the same day |
| Lender type | Direct lender | Marketplace |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | ID card plus 3 bank statements from the account where income arrives; sole traders: 3 statements from the business income account, no tax return needed |
| Loan types | Personal, Payday, Student, Business | Personal, Debt consolidation, Car, Business |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Borrow CZK 235,000 at a fixed 6.49% for 96 months, instalment CZK 3,214, fee 2% = CZK 4,700, RPSN 7.25%, total CZK 308,510 |
| Origination fee (%) | Not confirmed | 2% |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Amanahkredit MY scores higher overall: 9.0 vs 8.7.
- APR is lower at Zonky: 4.5% to 26.94% vs 18%.
- Term is higher at Zonky: 12 to 120 months vs 2 to 30 months.
- Loan types: only Amanahkredit MY offers Payday, Student.
- Loan types: only Zonky offers Debt consolidation, Car.
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.
Zonky
Zonky suits Czech borrowers with bank statements to spare who want a fixed-rate loan decided quickly. Most applications are decided the same day, and rates run 4.5% to 26.94%, but the arrangement fee is worth weighing before you compare the total repaid.
Score breakdown
| Area | Amanahkredit MY | Zonky |
|---|---|---|
| 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 | 9.0Higher |
| Trust | 9.2Higher | 8.3 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Amanahkredit MY
990.89
990.89
Zonky
237.74 to 1,521.98
237.74 to 1,521.98
Zonky comes out 753.15 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.
Which one suits you
Pick Amanahkredit MY if trust matter most.
Pick Zonky if offer, apr, and term matter most.
A third option
Prestamiau ES has apr at 0% to 36%, against 18% for Amanahkredit MY and 4.5% to 26.94% for Zonky.
Prestamiau ES reviewWhere these facts come from
Amanahkredit MY
- amanahkredit.my: 16 facts, checked September 26, 2026
Zonky
- zonky.cz: 20 facts, checked September 26, 2026
How they place
| Ranking | Amanahkredit MY | Zonky |
|---|---|---|
| Personal loans | 656 of 1920 | 135 of 1920 |
| Business loans | 157 of 438 | 25 of 438 |
| Home improvement loans | 294 of 562 | 64 of 562 |
Every fact side by side
| Fact | Amanahkredit MY | Zonky |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | Air Bank a.s. |
| Headquarters | Malaysia | Czechia |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Amanahkredit MY | Zonky | Median |
|---|---|---|---|
| APR | 18%above the median | 4.5% to 26.94%below the median | 8.99% |
| Term | 2 to 30 monthsbelow the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 2%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.
Zonky
Pros
- Most applications are decided the same day, with money moving within minutes when the bank supports instant payments (same day funding).
- Early repayment is free, so clearing the balance before the agreed end costs nothing extra.
- The rate is fixed across 12 to 120 terms, so the instalment does not drift.
Cons
- An arrangement fee of 2% of the loan amount is charged, which lifts the total repaid on every loan.
- Every application runs a hard credit check, and 72.7% of the loans on the site work the same way.
- Zonky runs as a marketplace, so the bank you end up with is decided rather than chosen.
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%.
Zonky
Who it suits
- Czech borrowers with statements from the account where income lands, ready for a hard check.
- Sole traders who can show business account statements and would rather not dig out a tax return.
- Anyone planning renovation, a car or debt consolidation, since personal, debt consolidation and car are all covered.
Who should look elsewhere
- Monzo Flex, if a lender quote at APR 10% to 23% suits you better than a marketplace.
- Cashspace, whose APR PHP 12 to PHP 36 is worth checking if your own quote lands at the pricier end.
- Cashspace ES, if the listed APR of 0% is the deciding factor for you.
Country by country
| Country | Amanahkredit MY | Zonky |
|---|---|---|
| Czechia | 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.
Zonky
What does it cost to borrow from Zonky?+
Interest is fixed at a fixed rate structure with APR 4.5% to 26.94%, and there is an arrangement fee of 2% of the loan amount. The published representative example puts an instalment and a total repaid next to that fee, so the figure to compare across lenders is the total, not the headline rate.
How much can I borrow, and for how long?+
Loans run 12 to 120 and amounts run CZK 5,000 to CZK 2,000,000, so a small amount and a larger renovation are both inside the same fixed-rate product. Check the representative example to see what an instalment and the total repaid look like at your own figure before applying.
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