Hi all,

I need to get a personal loan of RM5,000. Can suggest me where is the best to go to?
Thanks.

from your credit card, lock credit

My credit card maxxed already

Aeon credit
GX bank
Grab (GX bank anyway)
TouchNgo (CIMB)

borrowing to pay CC?

few months back I lost my job. So my home loan got 2-3 months I didn't pay

Big red flags, you should be approaching akpk, not going deeper

BSN

not that I recommend getting personal loan if possible
but tng is probably your best bet

just be careful of the interest rate and good luck

Don't take personal loan. Especially when you already lost your job. You are just digging the hole deeper.

credit card cash advance.
2.99% but is about 5%++

if you got new jobs, just for temp to cover up can go for Aeon,GX,Tngo. If still jobless suggest you go akpk
please dont go fo ahlong

I am working now. Got a new job 3 months ago.

I had taken TNG loan before, I suggests everyone just.... don't take it lol

It's loan by sotong bank, and the interests rate is like a loan shark, although approval rate is very easy & fast depending on your loan status.

lend RM 3k but payback RM6k in 1 or 2 years time topkek

lol, 5k loan I'd take max 1yr
3k loan maybe 6mths, never tried that long

3k over 2yrs is too damn long

3 months dy at work, why still need PL now? Still need cover previous overdue ka?

This post has been edited by jojolicia: Oct 21 2025, 02:41 PM

If it's just RM5k, just loan it from friends and family. Let them know upfront how much you are going to repay them and how long. Usually when they see that u already have a job, and a long term plan on repayment, they will lend one. And please do NOT default in your payments even if they are your friends and family, because once u betray the trust, u will lose your only lifeline next time.

I have just been retrenched before early this year, so I understand the pressure, but it depends:

If you have no job and still looking, don't think anything else and just straight go to AKPK, they will help

But if you already secured a Job, or have another income like Grab etc. The easiest and fast maybe thru SLoan (Shopee).. TnG is another alternative, but this express and the interest rate for sure high..

I don't think you are able to apply for normal loan (which better interest) if your are still not working...

Just don't gali lubang deeper to tutup another lubang.. just go to AKPK

Yes to pay the overdue....if not will be auctioned soon

Avoid personal loan if possible, for 5K try pinjam from family or close friends.

Dig another hole to cover current hole really not a good choice.

You have any valuable stuff at home to be sell or pawn?

The amount is not much and only RM 5k.. Go and borrow from family or friends

I've lend and borrow 5 figures from friends before.. 1 year monthly repayment with no interest

This post has been edited by -PuPu^ZaPruD3r-: Oct 21 2025, 03:53 PM

I do have some gold

Would you be able to utilize the fund in the our EPF - the 2nd or 3rd account ? If can, utilize it first.

if i were you, i'll stop browsing lowyat and ask for opinion.
go work part time, any job will do while searching for a permanent job.

EPF Acc 3 since the amount is small

Where got so low..

withdraw epf for housing loan?

Exactly, as long as getting monthly salary, at least can buy basic necessity or pay some bills

Kwsp Account 2 for housing loan repayment.

sell the gold to pay the debt. now it is good sell window

5k only....long way to AKPK

Maybank got 0% interest lol. Ezycash.

me too. tapi final amount he return late by 2-3 month
so i black him liao

if kena i would apply tng, gx, sloan, boost,and so on

1. Call the bank and work out a payment plan. Its do-able as you can show you have a job already and willing to get back into good standing
2. Borrow from friends/family, 5k is not that big of an amount.
3. Apply for flexicredit from gxbank? https://gxbank.my/flexicredit
4. Withdraw from EPF account 3 if you have it.

#2 is the preferred option la, its the easiest to do.

Just 10gram is enough for 5k

Pawn, don't sell.

if ada issue sama home loan, do discuss with the bank. alternatively, can use ur "epf" acc2, if ada that xtra.
don't take anymore loan, or you will get into more deep shit. ur cc oledi up to max, can ur monthly salary cover this n that??

To ts, akpk is the best.

But u can also nego with the bank first. Sudah call mereka tanya?

For what purpose ?

Use epf.

EPF account 3 .

if you steady kaki , can borrow from friends / relative .

Not sure if bank quick cash will lock cc limit or not.
Hongleong now offer Quick Cash 2.88% one time fees for 12 months, 5.58% for 24 months pay back

TS mentioned to pay overdue, most likely to payback other overdue loan

Then it is like one hole covering another.

BigPay.

But I think need good ctos record. Better try anyway