Fast & Easy Application Process

Personal Loan for Civil Servants

Personal financing available to civil servants who are employed by federal or state governments

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Shariah-Compliant Financial Solutions

Personal Loan for the Civil Servants

Your ideal fast-approval financing solution, specially designed for government employees.

This loan is popular among civil servants due to its more relaxed and flexible application process compared to commercial bank personal loans. A key advantage is the salary deduction repayment method via Biro ANGKASA, which ensures a simple and hassle-free repayment process.

Eligibility
  • Any Government Employees
  • Individuals aged 18 years and above
  • Minimum income RM2,000
  • High loan commitment, CCRIS/CTOS can apply
  • Maximum tenure up to 10 years
Personal Loan for Civil Servants

Highlights and Benefits

Profit Rate

As low as 5.25% p.a.

Up to 10 Years Tenure

Flexible repayment period of up to 10 years.

No Guarantor Needed

No collateral or guarantor required

Monthly Payment Method

Easy repayment through fixed monthly installments.

Fees & Charges

No hidden charges or upfront fees

Shariah-Compliant

Structured in accordance with Islamic financing principles.
Reliable choice

What Our Satisfied Customers Say

Cepat berurusan dengan GW...staff yang mudah berkomunikasi...terima kasih

Jairos Ali Kuala Lumpur

Terima kasih dan saya amat berpuas hati dgn layanan mesra pelanggan dri GW

Nur Syaza Bangi

Terima kasih GW kerana membantu saya mendapatkan loan pertama saya.

Norul Huda Sg Buloh

Loan cepat approve, senang nak deal, rekomen sangat tempat ni, boleh call number atas tu untuk deal

Faizal Putrajaya

Proses cepat, layanan mesra & pembiayaan lulus tanpa pening kepala

Ahmad Ridzuan Hulu Langat

Personal loan saya lulus dengan , staf pun sangat membantu dari awal sampai akhir. Memang puas hati!

Intan liana Rawang
Trusted Partner for Growth

Frequently asked questions about Personal Loan for Civil Servants

Trusted by Thousands of Customers for Reliable Financing

This loan is open to permanent government employees, statutory body staff, and GLC employees who have salary deduction facilities via Biro ANGKASA. Applicants with CTOS, CCRIS, or SAA records are accepted (subject to salary eligibility requirements).

The profit rate starts from as low as 2.99% per annum (flat rate). The final rate depends on the selected cooperative and your credit profile.

No. Licensed moneylenders will never request or keep your ATM card as part of the loan application process.

No. Kredit Rakyat does not charge any upfront fees. Please be cautious of scams that request processing fees before loan approval.

The approval process takes as fast as 24 hours up to 3 working days after complete documents are submitted.

You only need to prepare:

  • Copy of Identity Card (IC)
  • Latest 3 months’ salary slips
  • Employment confirmation letter
  • Bank statement (showing salary credit)
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