Emicro 4+

Emicro Capital (M) Sdn Bhd

Designed for iPhone

    • 4.4 • 345 Ratings
    • Free

iPhone Screenshots


Emicro Services Sdn. Bhd. is a licensed moneylender registered under the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan or also known as KPKT). And we are also certified by Our Shariah Advisors for Tawarruq Emicro i-Financing Financing Products that empower financial services with fintech solutions.
Emicro i-Financing is is an app based financial services platform. With the Emicro app, you can apply for Shariah Concept-based financing anywhere and seamlessly on your smartphone.
Our i-Financing come with minimal document requirements and flexible repayment schemes to give you a peace of mind. All you’ll need is just the app to get started.
With our innovative financing solution, there’s a thousand chances for you to achieve your personal or business needs in the shortest time possible. Try the Emicro app today to experience immediate financial backup, the legal way.
Product Info/Penerangan Produk
1.What is the financing amount and profit rate?/ Apakah jumlah pembiayaan dan kadar keuntungan?
a)Financing Amount (RM)/ Amaun Pembiayaan (RM): RM500 - RM10,000
b)Profit Rate/ Kadar Keuntungan : 1.5% per month
c)Financing Tenure (months)/ Tempoh Pembiayaan : 3 - 24 Months/ Bulan
d)Selling Price/ Harga Jualan : Financing Amount + Total Profit / Jumlah Pembiayaan + Jumlah Keuntungan

2.How to calculate the monthly installment? / Macam mana ansuran bulanan dikira?
A = (P + (P X M X R)

A = Monthly Installment Amount/ Jumlah Ansuran Bulanan
P = Financing Amount / Jumlah Pembiayaan
M= Financing Tenure (in months)/Tempoh Pembiayaan (dalam bulan)
R= Profit Rate per month (1.5%) / Kadar Keuntungan Sebulan (1.5%)

Example/ Contoh:
Financing Amount/ Jumlah Pembiayaan: RM3000
Installment Period (Months) / Tempoh Ansuran (Bulan): 12 Months / Bulan
Profit Rate per month (1.5%)

A =( RM3000 + (RM3000 X 12 X 1.5%) )/12

= (RM3000 + (RM540)

= RM3540 /12

Monthly Installment Amount/ Jumlah Ansuran Bulanan =RM295

3.What other charges do I have to pay? / Apakah caj-caj lain yang perlu saya bayar?
a)Processing Fee / Yuran Pemprosesan: RM60 - RM 400
i.Maximum fee is RM400 / Yuran maksimum adalah RM400
b)Stamp Duty / Duti Setem: Included in processing fee/ Termasuk dalam yuran pemprosesan
c)Wakalah Fee / Yuran Wakalah: Included in processing fee/ Termasuk dalam yuran pemprosesan

4.What if I fail to fulfill my obligations? / Bagaimana jika saya gagal memenuhi tanggungjawab saya?
Late Payment Rate/ Kadar Bayaran Lewat : 1 % per annum/ 1% Setahun
Late Payment Recovery Services Fee/ Yuran Perkhidmatan Pemulihan pembayaran lewat : RM25 for any payment exceeding the 7th day of each due date/ RM25 untuk bayaran yang melebihi hari ke-7 hari bayaran.

Are you eligible for this Emicro i-Financing Program ?

Minimum annual income

Minimum age
21 years old

Maximum age
50 years old

Who can Apply
Not be blacklisted by CCRIS & CTOS


- Easy Application: You just need to ready your Identity card and fill in your details directly in our app.

- Fast Approval: Your application can be approved and get your cash today.*

-Fixed profit rate 1.5% per month.

-Finance installment from 3 months to 24 months.

Product Disclosure Sheet Download: https://www.emicro.my/emicrops.pdf

* Fill in your details 
* Wait for credit check 
* Verify and digital sign
* Get your cash today!
* Subject to application made during business hours only.

Terms of Service:

Privacy Policy:

Feel free to reach us for inquiry:

Phone number: +60379711155
Email: enquiry@emicro.my
Address: Lot1901 19th Floor Tower 1 ,Faber Towers, Jalan Desa Bahagia,Taman Desa, 58100, Kuala Lumpur, Malaysia

Your Emergency. Our Priority.

What’s New

Version 1.6.3

1.update SSL
2.fix bugs

Ratings and Reviews

4.4 out of 5
345 Ratings

345 Ratings


Efficient and Responsive

So far one of the best lender. Whenever you needed some extra cash for something, it’s easy to apply. However you might not get the amount that you apply for. But that’s okay. Better than nothing.

asdnkf ,

Incredibly smooth and friendly user experience

I am thoroughly impressed with this app's incredibly smooth and friendly user experience. It's refreshing to find an app that's so easy to use and isn't complicated at all. Navigating through the features feels like a breeze. What's even more impressive is how effortlessly the loan approval process works. I found the loan approval to be quick and hassle-free. Kudos to the developers for creating such a user-centric and efficient app!

jdrbbckg ,

Reasonable and efficient

I'm not someone who like giving reviews, but this time it's worth it. I needed money urgently, and they gave me a response within 3 days. Very efficient and user friendly since they don't expect me to print out documents and sign etc. Will definitely recommend to other users.

App Privacy

The developer, Emicro Capital (M) Sdn Bhd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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