iMoney review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

iMoney is a Malaysian comparison broker built around a fixed-rate personal loan, which suits salaried workers who would rather see a quote than shop lenders themselves. Fees stay light, since 0 processing fee (free); stamp duty 0.5% of loan amount applies and rates run 4.99% to 16.68% across a term of 12 to 84.

Key facts

Best for
Malaysian salaried borrowers who want a fixed-rate personal loan quote and quick funding.
APR
4.99% to 16.68% (Source, checked September 26, 2026)
Loan amount
MYR 5,000 to MYR 200,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 processing fee (free); stamp duty 0.5% of loan amount (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Up to 24 hours (Source, checked September 26, 2026)
Representative example
Borrow RM50,000 at 4.99% over 5 years, monthly repayment around RM1,041 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Age 21-60; Malaysians working and residing in Malaysia; minimum monthly salary RM3,000 (Source, checked September 26, 2026)
Origination fee (%)
0.5% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Intelligent Money Sdn Bhd (1005180-T) (Source, checked September 26, 2026)
Headquarters
Malaysia (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
imoney.my

Mortgages

Initial rate
3% to 5% (Source, checked September 26, 2026)
Fixed period
1 to 5 years (Source, checked September 26, 2026)
Maximum loan to value
95% (Source, checked September 26, 2026)
Product fee
MYR 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Intelligent Money Sdn Bhd (1005180-T) (Source, checked September 26, 2026)
Headquarters
Malaysia (Source, checked September 26, 2026)
Founded
2012 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • No processing fee on the personal loan, with stamp duty set by 0.5% of the loan amount
  • The fixed rate holds for the whole term, so the monthly repayment does not move
  • Free early repayment means overpayments carry no penalty
  • Funding in Up to 24 hours on a hard credit check

Cons

  • The top rate of 4.99% to 16.68% runs well past the site median of 12.25%
  • Loan types cover personal only, so debt consolidation and car finance sit outside the range
  • Support runs on email, phone and help centre only, with no branch or chat
iMoney

Ready to try iMoney?

Scored 8.9 / 10 by BorrowCue.

See alternatives

Who it suits

  • Salaried Malaysians with a steady monthly income and a good credit record
  • Borrowers who want a fixed repayment and can clear the balance early
  • Anyone who prefers a broker to approach lenders directly

Who should look elsewhere

  • Monzo Flex, whose rates of 10% to 23% apply outside the Malaysian market served here
  • Cashspace, whose PHP 12 to PHP 36 is quoted in a different currency from the Malaysian offer
  • Cashspace ES, which lists 0% on its own separate comparison

Safety and regulation

iMoney is a broker rather than the lender, so the personal loan is arranged through a partner bank and broker sits between the applicant and the money. The facility runs on a fixed rate with a hard credit check, and the representative example shows a mid-range sum borrowed over a standard term with a monthly repayment figure. Eligibility covers adults working and living in Malaysia.

How iMoney compares

Where iMoney is available

Available
Malaysia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on an iMoney personal loan?+

The advertised rate runs 4.99% to 16.68%, set as a fixed rate for the whole term. The top of that range sits well above the site median of 12.25%, so the rate offered depends on your credit profile.

Are there fees to arrange the loan?+

There is no processing fee, and 0 processing fee (free); stamp duty 0.5% of loan amount sets out the charge. The product fee is MYR 0, while stamp duty runs at 0.5% of the loan amount, so a larger balance costs more in duty.

How much can I borrow and for how long?+

Borrowing runs MYR 5,000 to MYR 200,000 over a term of 12 to 84. The stated eligibility requires adults working and living in Malaysia, with a minimum monthly salary, so the practical amount depends on your income as well as the range.

How fast is the money and what credit check is used?+

Funding takes Up to 24 hours once the application is approved. The check is hard, so a search can register on your credit file, and the good credit record the lender looks for is what shapes the offer.

Can I repay the loan early without a charge?+

Free early repayment is included on a fixed-rate loan, so you can clear the balance sooner and pay less total interest. Across a term of 12 to 84 the monthly amount holds steady, so paying off early is the main way to cut the interest.

Does iMoney lend the money itself?+

iMoney works as a broker, and the broker role means a partner bank lends the money rather than iMoney itself. That suits borrowers who would rather see a quote than apply across lenders.

How do I get help once I have applied?+

Support runs on email, phone and help centre, covering email, phone and a help centre. There is no listed branch or live chat, so questions about an existing application can go through phone or email.

Sources

  • imoney.my checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Unit 25-01, Level 25, Tower B, The Vertical Business Suites, Bangsar South, No. 8, Jalan Kerinchi, 59200 Kuala Lumpur, Malaysia MY”

  • imoney.my/about-us checked September 26, 2026

    Backs: Founded, Lender type

    “Since 2012, we have”

  • imoney.my/contact-us checked September 26, 2026

    Backs: Support channels

    “General Inquiries: hello@imoney.my ... Contact Number”

  • imoney.my/disclaimer checked September 26, 2026

    Backs: Product fee

    “NOTE: Our services are 100% FREE. iMoney does not collect ANY payment or money in cash or in kind.”

  • imoney.my/home-loan checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value, Purpose

    “Lock in Period 3 years ... Lock in Period 1 year ... Lock in Period 5 years ... Lock in Period None”

  • imoney.my/personal-loan/alliance-bank/cashfirst-personal-... checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Alliance Bank CashFirst Personal Loan - Min. Loan Amount RM 5,000; Max. Loan Amount RM 200,000”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

iMoney

iMoney

Malaysian salaried borrowers who want a fixed-rate personal loan quote and quick funding.

8.9/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings