Offered through [Koperasi Name] · Registered Cooperative
Financing for Malaysian civil servants, repaid straight from your salary.
Apply online, upload your documents, and get a decision in 2 business days. No branch visits, no paperwork chase — repayments come out automatically through Biro Angkasa.
SSM-registered cooperative · Shariah-compliant · Biro Angkasa salary deduction
SSM Registered
Registered under the Companies Commission of Malaysia.
Shariah-Compliant
Structured under Shariah financing principles.
PDPA Compliant
Your data is handled under the Personal Data Protection Act 2010.
For Civil Servants
Built for government-sector employees only.
Panel Institutions
Process
Four steps, start to finish
Check your eligibility
Confirm you're a permanent civil servant with an active Biro Angkasa deduction account.
Submit your documents
Upload your MyKad, latest payslips, and EPF statement through your applicant dashboard.
Get your decision
Our underwriting team reviews your application and returns a decision, typically within 2 business days.
Receive your funds
Once approved and your agreement is signed, funds are disbursed directly to your bank account.
Estimator
Estimate your monthly commitment
Adjust the amount and tenure to see an indicative monthly instalment. This is an estimate only, not a financing offer.
Figures shown are indicative, based on a flat profit rate, and exclude processing fees, stamp duty, and takaful coverage. Final terms are subject to credit assessment and approval by [Koperasi Name].
Why FinApproved
Financing that respects your time
Fast, transparent decisions
Track every stage of your application in real time — no phone calls, no guessing.
Fixed profit rate
Know your monthly commitment from day one. No hidden charges, no surprises.
Salary-deduction repayment
Repayments come straight out of your salary through Biro Angkasa — no manual transfers, no due dates to track.
Built around Shariah principles
Our financing structure is designed to comply with Shariah requirements.
Eligibility
Who can apply
- Malaysian citizen, confirmed civil servant (established/permanent service)
- Aged 18 to 60 at the point of application
- Active salary deduction facility through Biro Angkasa
- Minimum net salary after deductions as set by [Koperasi Name] policy
- No active bankruptcy proceedings
Documents you'll need
Have these ready before you start — it keeps your application moving.
- MyKad (front and back)Required
- Latest 3 months' salary slipsRequired
- Latest EPF (KWSP) statementRequired
- Salary deduction consent (Akujanji)Required
- Latest bank statement (3 months)Required
FAQ
Common questions
Yes. Our facility is structured under Shariah financing principles as advised by [Koperasi Name]'s Shariah adviser.
Most applications get a decision within 2 business days, once all your documents are submitted and verified.
Repayments are made automatically through salary deduction via Biro Angkasa, so no manual transfers are needed.
Yes. Once you apply, you get access to your applicant dashboard to track document status and application progress at any time.
Your information is processed in accordance with the Personal Data Protection Act 2010 and is only used for assessing your application.
It takes about 10 minutes.
Start whenever you're ready — save your progress and pick up where you left off.