Tambadana MY review

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

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Our verdict

Tambadana MY suits salaried Malaysian workers who need a small bridging sum and can clear it inside a few monthly instalments. Its APR of 18% sits above the site median of 12%, and the lending is licensed in Malaysia, with a hard credit check and a short term.

Key facts

Best for
Salaried Malaysian workers needing a small short term bridging sum.
APR
18% (Source, checked September 26, 2026)
Loan amount
MYR 300 to MYR 10,000 (Source, checked September 26, 2026)
Term
3 to 6 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Funds sent to your bank account within 24 working hours after the agreement is signed (Source, checked September 26, 2026)
Representative example
Cik Siti borrows RM5,000 for 3 months (90 days); interest RM5,000 x 90 x 0.05% = RM225; total repayment RM5,225; monthly instalment RM1,741.67 (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Malaysia citizen or resident, aged 21-60, salaried worker, minimum annual income RM18,000, active bank account and valid MyKad; self-employed not eligible (Source, checked September 26, 2026)
Loan types
Personal, Payday, Secured (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Wawasan Cojaya Sdn Bhd (1123810-P) (Source, checked September 26, 2026)
Headquarters
Malaysia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
tambadana.my

Pros and cons

Pros

  • Funding lands in your bank account once the agreement is signed, within a short working window
  • Works with a poor credit history, so a thin file does not rule you out at the door
  • Licensed in Malaysia as a direct lender, so the money comes straight from the named entity
  • Amounts of MYR 300 to MYR 10,000 fit a repair bill or a gap before payday rather than a large expense

Cons

  • APR of 18% is above the site median of 12%
  • Term of 3 to 6 leaves little room if income stops
  • A hard credit check means a declined application can leave a mark on the file
Tambadana MY

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Scored 8.9 / 10 by BorrowCue.

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Who it suits

  • Salaried Malaysian citizens and residents with a steady payslip
  • Borrowers whose record is already thin and need a small bridging sum
  • Anyone who can clear the balance inside 3 to 6

Who should look elsewhere

  • Self-employed applicants, who the eligibility rules exclude
  • Borrowers needing a large or long term loan beyond MYR 300 to MYR 10,000
  • Anyone who cannot handle a hard credit check

Where it sits among rivals

On loan amount, Tambadana MY ranks 578 of 685 lenders, so the MYR 300 to MYR 10,000 ceiling places it well below the largest sums in the category. On APR the picture is similar: rank 237 of 350, with 18% above the 12% median. The lending is built for small, short term needs rather than for the cheapest headline rate.

Who runs it

The lender is Wawasan Cojaya Sdn Bhd, registered in Malaysia, and it lends directly rather than passing the application on. It holds a licence from Kementerian Pembangunan Keritagean Tempatan, the Ministry of Local Government Development, numbered WL6646/14/01-6/301127. Support runs on email, phone and help centre, so help is reachable by email, phone and the help centre.

How Tambadana MY compares

Where Tambadana MY is available

Available
Malaysia
Licence in Malaysia
Kementerian Pembangunan Keritagean Tempatan (KPKT) - Ministry of Local Government Development (WL6646/14/01-6/301127), checked September 26, 2026

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

Frequently asked questions

What rate will I pay on a Tambadana MY personal loan?+

The stated APR is 18%. That is above the site median of 12%, so the cost sits in the upper part of the field. Interest is worked out as a flat daily charge on the amount outstanding, which is why short terms matter here.

How much can I borrow and for how long?+

Loans run from MYR 300 to MYR 10,000, with a term of 3 to 6. That is a short window, so the balance is meant to clear within a few monthly instalments. A larger expense or a longer repayment period falls outside what this lender offers.

How fast do the funds arrive?+

Money is sent to your bank account within a short working window after the agreement is signed, and same day funding is listed among the lender's features. The clock starts at signature, so completing the agreement quickly matters for anyone short on a deadline.

Will I pass the credit check?+

The check is a hard one (hard), but the lender works with applicants whose credit history is poor (poor). Salary records and an active bank account carry more weight than a spotless file. A hard search can still leave a mark if the application is declined.

Who can apply and who cannot?+

Applicants must be adults, Malaysian citizens or residents, salaried workers with a minimum annual income, an active bank account and a valid MyKad. Self-employed applicants are not eligible, and the age band runs from a minimum age to a later limit.

Is Tambadana MY regulated in Malaysia?+

Yes. The lender holds a licence from Kementerian Pembangunan Keritagean Tempatan, the Ministry of Local Government Development, numbered WL6646/14/01-6/301127. It operates as a direct lender, so the contract is with the named company rather than a broker.

What does a repayment actually look like?+

The representative example borrows a mid range sum over a short term, charges interest on that sum for the days taken, and repays the total over the period. On a mid sized loan the monthly instalment is higher than the principal divided evenly, because interest is added to the balance.

How can I reach Tambadana MY?+

Support runs on email, phone and help centre, so email, phone and a help centre cover questions on eligibility, documents and repayment terms before you sign anything. Once you hold a loan, the same channels take payment and account queries.

Sources

  • tambadana.my checked September 26, 2026

    Backs: APR, Features, Headquarters, Lender type, Loan types, Representative example, Support channels, Licences

    “Tawaran hari sama, 100% online”

  • tambadana.my/services/personal-loan checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Funding time, Term

  • tambadana.my/terms-and-conditions checked September 26, 2026

    Backs: Legal entity

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

Not confirmed yet: Arrangement fee.

Tambadana MY

Tambadana MY

Salaried Malaysian workers needing a small short term bridging sum.

8.9/10See alternatives

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