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iMoney review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

iMoney suits Malaysians who want to see personal loan offers side by side before applying, and the comparison costs nothing. The rate is fixed, loan sizes run MYR 5,000 to MYR 200,000, and money arrives Up to 24 hours, so it suits planned borrowing such as home improvement.

Key facts

Best for
Comparing Malaysian personal loans online at no charge.
APR
4.99% to 16.68%↗
Loan amount
MYR 5,000 to MYR 200,000↗
Term
12 to 84 months↗
Arrangement fee
0 processing fee (free); stamp duty 0.5% of loan amount↗
Credit check
Hard↗
Funding time
Up to 24 hours↗
Representative example
Borrow RM50,000 at 4.99% over 5 years, monthly repayment around RM1,041↗
Rate type
Fixed↗
Lender type
Broker↗
Free early repayment
Yes↗
Eligibility
Age 21-60; Malaysians working and residing in Malaysia; minimum monthly salary RM3,000↗
Origination fee (%)
0.5%↗
Loan types
Personal↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Intelligent Money Sdn Bhd (1005180-T)↗
Headquarters
Malaysia↗
Founded
2012↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Official website
imoney.my

Credit cards

Annual fee
MYR 0↗
Rewards type
None↗
Perks
Free comparison of loans, credit cards, insurance, savings and investment products, 100% online application, Free financial calculators, articles and jargon-free money tips, Customer Care Agent advice, IMoney Financial Advisory and Home Loan Advisory services↗
Audience
Business

Personal insurance

Premium from
MYR 0↗
Insurance types
Auto, Health, Life, Travel, Critical-illness↗
Provider type
Comparison site↗
Monthly payments
No↗

Mortgages

Initial rate
3% to 5%↗
Fixed period
1 to 5 years↗
Maximum loan to value
95%↗
Product fee
MYR 0↗
Purpose
Purchase, Remortgage, First-time-buyer, Home-equity↗

Savings

Access terms
100% online, find and apply from your phone or PC, no hidden fees↗
Monthly fee
MYR 0↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • Loans are a fixed rate, so monthly repayments stay level for the whole term.
  • Free early repayment is available, so a loan can be cleared sooner without a charge.
  • Money arrives Up to 24 hours and every step runs online from a phone or PC.
  • Loan sizes run MYR 5,000 to MYR 200,000, which covers home improvement as well as smaller repairs.

Cons

  • Rates stretch to the top of the range, so a weaker credit file pays the highest end of 4.99% to 16.68%.
  • Stamp duty sits on top of the borrowing: 0 processing fee (free); stamp duty 0.5% of loan amount.
  • A hard credit check runs on the file and good credit is needed, so a recent default rules out the cheaper offers.
iMoney

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Malaysian workers and residents with good credit who want a fixed rate personal loan.
  • People who would rather see several lenders at once than apply to a single bank, since iMoney works as a broker.
  • Borrowers who plan to clear a loan early, as free early repayment is available.

Who should look elsewhere

  • Borrowers who want a direct lender quoting in another currency: Cashspace shows an APR of PHP 12 to PHP 36.
  • Anyone after a large euro loan from a single market, where Creduma ES lends from from €12,000.
  • Readers who prefer terms in Spanish, since Sofkredit publishes an APR of 10.74% to 18.06%.

Who runs it

iMoney is run by Intelligent Money Sdn Bhd and sits in Malaysia, where it was founded in 2012. The same company handles every comparison on the site, so there is one place to ask about eligibility, documents and timing. Anyone can read the listings before applying, and support afterwards runs through email, phone and help centre.

How iMoney compares

Where iMoney is available

Available
Malaysia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to compare loans on iMoney?+

Using the comparison carries no charge. The monthly fee is MYR 0, the annual fee is MYR 0 and the product fee is MYR 0, so browsing and applying through the site costs nothing. The fees that matter are the ones attached to the loan itself.

What rate will I pay on a personal loan through iMoney?+

The personal loan shown runs at an APR of 4.99% to 16.68% on a fixed rate, over terms of 12 to 84. That is a wide range, so what you pay depends on your profile and the lender you are matched with. The rate does not move during the term.

How long does it take to get the money?+

Funding on the personal loan runs to Up to 24 hours, and every step happens online from a phone or PC. You compare, apply and wait without visiting a branch, which suits anyone who wants an answer quickly rather than slowly.

What is the arrangement fee on a loan?+

The arrangement fee is 0 processing fee (free); stamp duty 0.5% of loan amount, so the processing fee is waived while stamp duty still applies on the amount borrowed. Stamp duty is the part of the cost picture to watch, since it sits on top of the interest charged across 12 to 84.

Will applying put a mark on my credit file?+

The lender runs a hard credit check, so an application leaves a mark. iMoney asks for good credit, which is the level most of the personal loans listed here ask for, so a recent default can rule out the cheapest end of the range.

Who is behind iMoney?+

iMoney is run by Intelligent Money Sdn Bhd and is based in Malaysia, where it was founded in 2012. It works as a broker and a comparison site, so offers come from lenders rather than from iMoney itself, which is why the APR range is wide.

Who can borrow through the site?+

Applicants need a minimum age and a minimum monthly salary, and they must be Malaysian, working and living in the country. Lending covers personal borrowing of MYR 5,000 to MYR 200,000, aimed at uses such as home improvement, so it fits planned spending rather than a last minute gap.

Sources

  • imoney.my checked September 26, 2026

    Backs: Access terms, Audience, Headquarters, Insurance types, Legal entity, Monthly fee, Perks

    “100% online Find and apply from your phone or PC -no hidden fees!”

  • imoney.my/about-us checked September 26, 2026

    Backs: Founded, Lender type

    “Since 2012, we have”

  • imoney.my/contact-us checked September 26, 2026

    Backs: Support channels

    “General Inquiries: hello@imoney.my ... Contact Number”

  • imoney.my/disclaimer checked September 26, 2026

    Backs: Annual fee, Provider type, Monthly payments, Premium from, Product fee, Rewards type

    “Our services are 100% FREE. iMoney does not collect ANY payment or money in cash or in kind.”

  • imoney.my/home-loan checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value, Purpose

    “Lock in Period 3 years ... Lock in Period 1 year ... Lock in Period 5 years ... Lock in Period None”

  • imoney.my/personal-loan/alliance-bank/cashfirst-personal-... checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Alliance Bank CashFirst Personal Loan - Min. Loan Amount RM 5,000; Max. Loan Amount RM 200,000”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

iMoney

iMoney

Comparing Malaysian personal loans online at no charge.

9.0/10See alternatives