Yokin Banc Personal
The loan caters for all your personal financing needs – medical, education, house renovation, holiday etc. Customers can apply for loan, sign agreement and get disbursement without having to personally walk into our premises. It is a convenient and time-efficient way to attain loans.
Our Features
Why Choose Yokin Sdn Bhd
Rates
Maximum 18% per annum
Loan Tenure
up to 5 years
Loan Amount
Minimum of RM1,000 to a maximum of RM50,000
Eligibility
- Malaysian citizen only.
- 18 years old until 60 years old.
- Minimum gross income of RM2,500 is required.
- Minimum loan is RM5,000 with maximum RM100,000.
Income Documents
| SALARIED EMPLOYEE |
| Source of Income | Documents Required |
| Fixed Income Earner |
|
| Variable Income Earner | Non Commission based
Commission based
|
| SELF-EMPLOYED |
| Source of Income | Documents Required |
| Self-Employed |
|
Fees & Charges
Stamp Duty
- As per the Stamp Act 1949 (Revised 1989)
Interest Rates
- Maximum 18% per annum
How long is the approval process?
The approval for the facility is within 3 – 5 days. However, it is subject to full documentation and information received by Yokin Banc. Terms and Conditions apply.
Our Products
Government Servants
• Flexible tenure 1 month – 5 years
• Interest rate 1.5% per month/max 18% p.a
• Suitable for emergency needs, commitments, or financial planning
• Minimal documents & fast approval
Private Sector Employees
• Tailored financing for salary earners in private companies
• Flexible monthly repayment
• Transparent fees & straightforward eligibility
• Quick digital processing
Pensioners
• Designed to support retired individuals with stable pension income
• Simple documentation
• Affordable instalments with flexible terms
Documentation checklist
1. IC copy
2. Payslips latest 3 months (For Govt servant & Pvt Sector)
3. Pension statement (For pensioner)
4. Bank statements (To show proof of income)
5. Utilities bill (Electricity/Water/Unify/Astro, etc)- either one to reconfirm residential address.