Guys, I have a quick question to ask here. I am thinking of getting a RM5k loan from HLB with their package of 1%/month. Right now I am not working, so obviously I do not have a payslip to produce. Is there any other way besides this? Thank you in advance for the help

Hehe, I do not have credit card. I hate using "cashless" instruments
What about unit trust? Can I use my previous income statement as some sort of payslip?
I thought they need a stable employment and stable 3 months payslip to approve the loan?
Please advise

So, here is some information regarding this (taken from HLB's website):

Get our Personal Loan today to enjoy:
- Monthly installments as low as RM133.33*
- Fast approval within 48 hours**
- Flexible repayment tenure of up to 5 years
- Minimum income eligibility of only RM24,000 per annum
- Easy application – photocopy of I.C. & income statement/ credit card
- No guarantor and no collateral

*Based on a financing tenure of 5 years for RM5,000.
**48 hour loan approval is subject to terms and conditions. Other terms and conditions apply.

Eligibility:

- Malaysian citizen only
- Age between 21 to 60 years old
- Earn a minimal annual income of RM24,000 per annum

The bold parts are my problem at the moment. I do not have a job, therefore I do not have a fixed annual income of RM24,000.
So, how do I go about getting this loan?

I am very interested to know more
Could you please PM me the full terms and conditions on this?
Also kindly include the repayment period and monthly repayment thanks.

Only for 3 months? I am not sure if there is any bank that is offering such a short tenure.
If you don't mind, are you getting a loan for business or personal use?

Actually, p.a. stands for per annum (annually)