Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Tambadana MY 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

Tambadana MY is a Malaysian direct lender offering short personal, payday and secured loans to salaried workers, with same-day funding aimed at borrowers with thin credit files. Borrowing costs an APR of 18% over terms of 3 to 6, with loan sizes of MYR 300 to MYR 10,000.

Key facts

Best for
Salaried Malaysian workers who need a small short-term loan paid out fast.
APR
18%↗
Loan amount
MYR 300 to MYR 10,000↗
Term
3 to 6 months↗
Credit check
Hard↗
Funding time
Funds sent to your bank account within 24 working hours after the agreement is signed↗
Representative example
Cik Siti borrows RM5,000 for 3 months (90 days); interest RM5,000 x 90 x 0.05% = RM225; total repayment RM5,225; monthly instalment RM1,741.67↗
Lender type
Direct lender↗
Eligibility
Malaysia citizen or resident, aged 21-60, salaried worker, minimum annual income RM18,000, active bank account and valid MyKad; self-employed not eligible↗
Loan types
Personal, Payday, Secured↗
Credit needed
Poor↗
Legal entity
Wawasan Cojaya Sdn Bhd (1123810-P)↗
Headquarters
Malaysia↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
tambadana.my

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Funds go to your bank account within working hours of signing, and same day funding is listed.
  • A hard credit check set up for poor files, so thin credit histories still get assessed.
  • Lends direct rather than through a broker, with personal, payday and secured loans offered.
  • Support through email, phone and help centre, covering email, phone and a help centre.

Cons

  • Self-employed applicants sit outside its eligibility rules.
  • A hard credit check on every application, per hard.
  • A short 3 to 6 schedule means the balance has to clear fast.
Tambadana MY

Ready to try Tambadana MY?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Salaried Malaysian citizens and residents with an active bank account and a valid MyKad.
  • Borrowers with thin credit files who are comfortable with a hard credit check.
  • Anyone who needs a small sum repaid over a short period rather than a long loan.

Who should look elsewhere

  • Self-employed applicants, who sit outside its eligibility rules.
  • Borrowers wanting a long, low-rate personal loan: Creduma ES lends from €12,000.
  • Anyone comparing other currency markets: Cashspace quotes PHP 12 to PHP 36 and Sofkredit 10.74% to 18.06%.

Who runs it

Tambadana MY is operated by Wawasan Cojaya Sdn Bhd (1123810-P) and based in Malaysia. The lender holds a licence from Kementerian Pembangunan Keritagean Tempatan (KPKT), the Ministry of Local Government Development, listed as WL6646/14/01-6/301127. Customer service runs through email, phone and help centre, so borrowers can reach a person by phone or email or work through the help centre.

How Tambadana MY compares

Where Tambadana MY is available

Available
Malaysia
Licence in Malaysia
Kementerian Pembangunan Keritagean Tempatan (KPKT) - Ministry of Local Government Development (WL6646/14/01-6/301127), checked September 26, 2026

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

Frequently asked questions

What rate does Tambadana MY charge?+

The headline cost is an APR of 18%, a steep figure next to cheaper personal loans. Interest in the published example is charged on the amount borrowed for the days the loan stays open, so holding it longer adds to the total repayable.

How much can I borrow?+

Loan sizes run MYR 300 to MYR 10,000, so the product suits short-term needs rather than major expenses. The types on offer are personal, payday and secured, and Tambadana MY lends direct, which means the decision sits with the lender itself.

How long do I have to repay?+

Terms are 3 to 6, so the balance has to clear inside a short window. In the worked example the borrower repays in a single quarter, with interest shown for the days the loan runs and the total repayable stated.

What credit check will I face?+

Applications run a hard credit check, recorded as hard, and the lender is set up for poor credit files. A hard search stays on your record, so apply when you are comfortable with that.

Who is eligible to apply?+

Eligibility covers Malaysia citizens or residents who are salaried workers with an active bank account and a valid MyKad, and a minimum annual income applies. Self-employed applicants sit outside the stated eligibility rules, and the smallest loan is MYR 300 to MYR 10,000.

How fast do the funds arrive?+

The lender lists same day funding, and money is sent to your bank account within working hours after the agreement is signed. Same-day money still depends on signing that agreement, so the transfer follows approval rather than the application.

Is Tambadana MY regulated?+

It holds a licence from Kementerian Pembangunan Keritagean Tempatan (KPKT), the Ministry of Local Government Development, listed as WL6646/14/01-6/301127. The lender is based in Malaysia and the loan agreement sets out what you owe.

How do I get help with my loan?+

Support runs through email, phone and help centre, so email, phone and a help centre are all listed. Phone and email sit alongside the self-service help centre, which is useful when the agreement or an instalment date needs explaining.

Sources

  • tambadana.my checked September 26, 2026

    Backs: APR, Features, Headquarters, Lender type, Loan types, Representative example, Support channels, Licences

    “Tawaran hari sama, 100% online”

  • tambadana.my/services/personal-loan checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Eligibility, Funding time, Term

  • tambadana.my/terms-and-conditions checked September 26, 2026

    Backs: Legal entity

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Tambadana MY

Tambadana MY

Salaried Malaysian workers who need a small short-term loan paid out fast.

9.0/10See alternatives