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Installment Loan

For existing Nimbura customers

Repay in 3 monthly installments

Borrow up to RM5,000 and repay it over a fixed 3-month term in approximately equal monthly installments, instead of one lump-sum repayment. You choose your first payment date when you apply, so it can match your payday.

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RM5,000
maximum amount, based on your customer profile
 3 months
fixed tenure, 3 monthly installments
 
18% p.a.
interest rate, same as the Single Loan
 Your date
you choose your first payment date

What is the Nimbura Installment Loan?

The Installment Loan (Pinjaman Ansuran) is a new Nimbura product offered alongside the Single Loan (Pinjaman Ringkas). With the Single Loan, you repay the full amount within 30 days. With the Installment Loan, you repay over a fixed 3-month term in approximately equal monthly installments.

The interest rate is the same for both products: 18% per annum. You can also settle an Installment Loan early and pay only the interest accrued to date.

How it works

1Apply for the Installment Loan
The amount available to you, up to RM5,000, depends on your customer profile.
2Choose your first payment date
Pick the date during your application, for example one that matches your payday. Future installments then fall one month apart automatically.
3Repay in 3 monthly installments
The installments are approximately equal. The last one may differ by 1 to 2 sen due to rounding.

Repayments that follow your payday

With the Single Loan there is one due date. With the Installment Loan, you choose your first payment date when you apply, for example the 27th if you are paid on the 25th. Please note: the date is locked once the loan is approved, and future installments then fall one month apart automatically.

How much will I pay each month?

Illustrative examples at 18% per annum over 3 months. Actual amounts depend on your loan amount and payment dates.

Loan amountMonthly installmentTotal interestTotal repayable
RM1,000RM343.38RM30.14RM1,030.14
RM3,000RM1,030.15RM90.44RM3,090.44
RM5,000RM1,716.91RM150.74RM5,150.74

Figures are for illustration only. The final installment may differ by 1 to 2 sen due to rounding.

Single Loan or Installment Loan?

Single Loan
Pinjaman Ringkas
Installment Loan
Pinjaman Ansuran
Repayment structureRepaid in full within 30 daysRepaid over 3 months in approximately equal monthly installments (the last installment may differ by 1 to 2 sen due to rounding)
Tenure30 days, with the option to extend via Pay LaterFixed 3-month tenure
EligibilityNew and existing customersExisting and repeat customers only, based on customer profile
Extend or postpone repaymentYes, via Pay Later, up to 3 timesNo, Pay Later is not available
Maximum loan amountUp to RM5,000, based on customer profileUp to RM5,000, based on customer profile
Interest rate18% per annum18% per annum
Early settlementYes, pay only interest accrued to dateYes, pay only interest accrued to date
Choosing payment dateNot applicable (single due date)You select your first payment date during the application. It is locked once the loan is approved, and future installments fall one month apart automatically.
Hold both loan types at onceNo, only one loan type can be active at a timeNo, only one loan type can be active at a time

New to Nimbura?

The Installment Loan is available to existing and repeat customers only, based on customer profile. If you are new to Nimbura, you can start with a Single Loan of up to RM5,000 using the application form on this page.

Good to know before you apply

  • Early settlement is allowed: you pay only the interest accrued to date.
  • Pay Later is not available for installment loans, so installments cannot be postponed.
  • Your first payment date is locked once the loan is approved. Future installments fall one month apart automatically.
  • Only one loan type can be active at a time, so you cannot hold a Single Loan and an Installment Loan together.
  • The maximum amount, up to RM5,000, depends on your customer profile.

Who provides the Installment Loan?

Nimbura Sdn. Bhd. is a licensed money lender, licence number WL7662/10/01-3/110127. Learn more about financing from a licensed money lender or explore our personal financing options.

Frequently asked questions

Who can apply for the Installment Loan?

It is available to existing and repeat Nimbura customers only, based on customer profile. New customers can apply for the Single Loan.

How much can I borrow?

Up to RM5,000, based on your customer profile.

How do I choose my payment date?

You select your first payment date during the application. Future installments then fall one month apart automatically.

Can I change the payment date after approval?

No. The first payment date is locked once the loan is approved.

Can I use Pay Later on an Installment Loan?

No. Pay Later is available for the Single Loan only, up to 3 times.

Can I repay early?

Yes. Early settlement is allowed, and you pay only the interest accrued to date.

Why is my last installment slightly different?

The installments are approximately equal. The last one may differ by 1 to 2 sen due to rounding.

Can I have a Single Loan and an Installment Loan at the same time?

No. Only one loan type can be active at a time.

Ready to spread your repayment over 3 months?

Log in to check whether the Installment Loan is available for your customer profile.

Log in to see your offer

Loans are subject to approval based on customer profile. Interest rate 18% per annum. Borrow only what you can repay on time.

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