RinggitPlus Personal Loan MY review

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

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Our verdict

RinggitPlus is a Malaysian loan marketplace worth a look if you want to compare fixed rates across banks without visiting each provider. Personal and debt consolidation loans carry an APR of 3.35% to 18%, with borrowing of MYR 5,000 to MYR 300,000 over terms of 6 to 120.

Key facts

Best for
Malaysian borrowers comparing fixed rate personal and debt consolidation loans in a single place.
APR
3.35% to 18% (Source, checked September 26, 2026)
Loan amount
MYR 5,000 to MYR 300,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
Malaysian, permanent resident or foreigner; age 21 to 60 years; salaried employee (public/private sector) or self-employed (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Jirnexu Sdn Bhd (co. no. 1081989D) (Source, checked September 26, 2026)
Headquarters
Malaysia (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
ringgitplus.com

Apps and profiles

Elsewhere
LinkedInXfacebook.cominstagram.com

Pros and cons

Pros

  • APR of 3.35% to 18% on personal and debt consolidation loans, under the 12% site median
  • Loan amounts of MYR 5,000 to MYR 300,000, well above the site median of €876.96
  • Terms of 6 to 120 to spread a home improvement or consolidation loan
  • A fixed rate, so payments hold steady for the whole term

Cons

  • Credit check is hard, matching 76.5% of this category
  • Support runs on email, chat and help centre only, with no phone line
  • Marketplace model, and only 6.6% of loans here are marketplace based
RinggitPlus Personal Loan MY

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Salaried employees and self-employed adults in Malaysia who want to compare lenders side by side
  • Borrowers consolidating several debts into a single fixed rate repayment
  • Homeowners funding renovation work over a longer term

Who should look elsewhere

  • Anyone wanting to talk to a person by phone, since support is email, chat and help centre only
  • Borrowers with thin credit files, as the check is hard
  • Anyone after a rate that adjusts, since the offer is fixed

Who runs it

RinggitPlus is a Malaysian loan marketplace, so it puts offers from several banks side by side instead of lending its own money. The company behind it is Jirnexu Sdn Bhd (co. no. 1081989D), registered in Malaysia and trading since 2013. Support runs on email, chat and help centre, which keeps most questions in writing and in your own time rather than on a phone line.

How RinggitPlus Personal Loan MY compares

Where RinggitPlus Personal Loan MY is available

Available
Malaysia

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

Frequently asked questions

What is the lowest APR on a RinggitPlus personal loan?+

The advertised APR runs 3.35% to 18%, which compares well with the 12% median across loans on the site. Rates are fixed, so the figure you are offered holds for the whole term rather than moving with the market.

How much can I borrow?+

Borrowing runs MYR 5,000 to MYR 300,000 in ringgit, a band that covers a small consolidation and a large renovation alike. The ceiling sits well above the €876.96 median for loans on the site, and the figure you qualify for depends on the lender you are matched with.

How long can I take to repay?+

Terms run 6 to 120, so you can spread a consolidation over a longer period or stretch home improvement costs too. A longer term here is a real option rather than an edge case, though the monthly payment rises as the term grows.

Will applying damage my credit file?+

The credit check is hard, so an application is matched against your full credit history. Hard checks are the norm in this category, with 76.5% of personal loans using one, so expect the same approach as most lenders rather than a softer alternative.

What kinds of loan can I get?+

The loan types on offer are personal and debt consolidation. Home improvement is the stated use case, so a renovation budget fits, and consolidation lets you roll several balances into a single repayment. The rate is fixed either way, so purpose decides the choice.

Who can apply?+

Eligibility covers Malaysian, permanent resident and foreigner applicants within the stated age band. You can be a salaried employee in the public or private sector, or self-employed, so both employment routes are open to you.

How do I get help if something goes wrong?+

Support runs on email, chat and help centre, so help comes by email, live chat and a help centre rather than by phone. Keeping your questions in writing gives you a record of what you were told if a payment date or fee is disputed.

Is RinggitPlus a lender itself?+

It is a marketplace, so offers come from partner banks and you apply to the lender rather than to a single provider. The upside is choice across several offers at once, and the trade-off is that your rate depends on which lender matches your application.

Sources

  • ringgitplus.com/en/about-us.html checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “Launched in 2013, RinggitPlus.com has gained a reputation for being the best place to apply for banking products online.”

  • ringgitplus.com/en/contact-us.html checked September 26, 2026

    Backs: Support channels

    “We're always happy to help, read our FAQs below or email us!”

  • ringgitplus.com/en/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Loan types, Pricing model, Rate type, Term, Use cases

    “The common loan amount (also known as the principal amount) you can borrow from banks ranges from RM5,000 to RM200,000. You may also get an amount as high as RM300,000”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Funding time, Representative example.

RinggitPlus Personal Loan MY

RinggitPlus Personal Loan MY

Malaysian borrowers comparing fixed rate personal and debt consolidation loans in a single place.

9.0/10See alternatives

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