---
title: "Emicro - Reviews, Revenue and Downloads in Malaysia | Apple App Store"
description: "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 c"
---

# Emicro — Malaysia
> Financial Aid Service

![Emicro App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple122/v4/27/69/2a/27692a2a-7dcd-e6fe-3fff-c78797e88265/AppIcon-1x_U007emarketing-0-5-0-0-85-220.jpeg/434x0w.png)

**Developer:** [Emicro Capital (M) Sdn Bhd](https://apptail.io/developer/emicro-capital-m-sdn-bhd-omvc) (Malaysia)
**Category:** Finance
**Rating:** 4.2/5 (491 ratings)
**Price:** Free
**Bundle ID:** com.emicro.www
**Store:** Apple App Store
**Country:** Malaysia
**Version:** 1.6.3 (released 2022-05-03)
**Original Release:** 2018-08-03
**Languages:** Malay, Chinese, English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/my/app/app/id1404119060)
**AppTail Page:** [https://apptail.io/app/emicro-ReTj/malaysia](https://apptail.io/app/emicro-ReTj/malaysia)

## Emicro Description
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)
)/M

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)
)/12                   

    =      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.

Requirements
Are you eligible for this Emicro i-Financing Program ?

Minimum annual income
RM18000

Minimum age
21 years old

Maximum age
50 years old

Who can Apply
Malaysians
Not be blacklisted by CCRIS &amp; CTOS

WHY USE EMICRO?

- 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: 


HOW IT WORKS:
* 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
WhatsApp:+60105051155
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.

## Emicro Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/Purple123/v4/29/8e/7b/298e7b3c-1bd2-843b-7538-8ef6ed542de9/mzl.hbxgqyjp.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/Purple113/v4/ed/51/ec/ed51ecb1-16bd-a3c0-09da-f52b3d616c42/mzl.edyowoiz.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/Purple113/v4/f4/92/cb/f492cb7f-9ec2-ed3c-7a55-e5286ca7f448/mzl.tbxuxfyg.jpg/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/Purple123/v4/58/1d/1f/581d1f1c-b7d3-6860-0c5d-0c53dd62633d/mzl.sfmbhqlm.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/Purple113/v4/c3/09/6e/c3096ed4-ab93-2f7e-6875-c5421fbb15f2/mzl.flitlczf.jpg/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/Purple123/v4/0b/e9/ee/0be9eef9-fbfa-71ca-7156-983b2024dac4/pr_source.jpg/1242x2688.png)

## Emicro Rating Breakdown in Malaysia
- 5 stars: 357 (73%)
- 4 stars: 35 (7%)
- 3 stars: 12 (2%)
- 2 stars: 12 (2%)
- 1 stars: 75 (15%)

## Emicro Reviews in Malaysia

### ***** "Trusted"
Mudah dan cepat
-- Miii94, 2024-11-20

### ***** "Pantas dan Trusted👌"
Recommended
-- Romeokajol, 2024-11-08

### ***** "Process apply"
Process apply ok la got many question from them for confirmation identity. Just answer them accordingly and wait for their process application. Kind of fast respond from them. So ithink this lender kind of good in terms of fast loan application processing.
-- pikachomey, 2024-11-04

### ****- "Loan"
Fast approval
-- Bob Kahar, 2024-10-30

### ***** "Loan application"
Easy to use, fast services and affordable interest charged
-- bella roslan, 2024-10-21

### ***** "E Micro"
Smooth services!
-- Najwa0000, 2024-10-21

### *---- "Cannot register"
Cannot register. Pwd cannot be empty while i already insert the details
-- Noneanonymouss, 2024-09-01

### *---- "Bug"
Cannot register.
-- Tak puas hati betul la, 2024-08-24

### ***** "recommend"
fast and easy.. staff also friendly 🌹 thank you so much 👍🏻👍🏻
-- rosmidah rusdie, 2024-08-07

### *---- "Sing up problem"
Hi please improve apps….i want to sign up and password problem
-- Aimanothman, 2024-04-22

### *---- "Scam"
Pls dont download here. They want access to all ur phone contact number &amp; i dont understand why??? Def a scan
-- afi., 2024-03-26

### ***** "trusted"
2 times using this and the process easy just need to be alert when they call for verification. the letter of settlement they send via email after settle all the loan. trust this one dont look another app that we do not know the sources
-- pekerjaswasta, 2024-03-18

### ***** "Easy application"
Easy to use and fast approval. The application was buttery smooth. Just need to prepare all the documentation and the apps will do the rest for you. Staff was great and helpful
-- luma92, 2024-02-14

### ***** "LOAN SENANG APPROVE"
SUMPAH SENANG SANGAT SUBMIT LOAN . SEMOGA ALLAH PERMUDAHKAN SEGALA URUSAN SEMUA YG MUDAHKAN URUSAN PINJAMAN UNTUK SAYA . AAMIIN .
-- SMJ422024, 2024-02-05

### ***** "Smooth and efficient"
Smooth and friendly user experience.. very giod and attentive staff from emicro…
-- John micheal dorian, 2024-02-05

### ***** "Good service"
Good and trusted service
-- azraau, 2024-01-19

### ***** "Easy to deal"
Recommended who not have time to wait
-- Ara Misron, 2024-01-19

### ***** "Fast Response"
Approve within Hour. Fast response👍🏼
-- Tinagaran23, 2024-01-10

### *---- "Does not follow the law of debt collection"
My loan was not even due 1 months in arrears, staff did not follow the law, uses violence and threatens you at the office and reveal your information to third party without any repercussions. Settled my loan but will not apply here ever again.
-- Tannree, 2024-01-01

### ***** "Fast and recommended"
Emicro is the best platform for someone who need money urgently. the application process also very fast just apply online or using the apps. it very convenient and highly recommended 👍🏻
-- adilahjamak, 2023-12-14

[View all Emicro reviews and detailed analytics on AppTail](https://apptail.io/account/signup?utm_campaign=ai-crawl&amp;utm_content=reviews)


## Emicro Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | Malaysia | Finance | #104 |

## Emicro Discovered Keywords
- credit
- loan
- pinjaman
- loan app
- emicro

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## Emicro Available In
- [Malaysia](https://apptail.io/app/emicro-ReTj/malaysia)
- [Indonesia](https://apptail.io/app/emicro-ReTj/indonesia)
- [Australia](https://apptail.io/app/emicro-ReTj/australia)
- [Brazil](https://apptail.io/app/emicro-ReTj/brazil)
- [Belarus](https://apptail.io/app/emicro-ReTj/belarus)
- [Canada](https://apptail.io/app/emicro-ReTj/canada)
- [China](https://apptail.io/app/emicro-ReTj/china)
- [Colombia](https://apptail.io/app/emicro-ReTj/colombia)
- [Dominican Republic](https://apptail.io/app/emicro-ReTj/dominican-republic)
- [Algeria](https://apptail.io/app/emicro-ReTj/algeria)
- [Ecuador](https://apptail.io/app/emicro-ReTj/ecuador)
- [Egypt](https://apptail.io/app/emicro-ReTj/egypt)
- [United Kingdom](https://apptail.io/app/emicro-ReTj/united-kingdom)
- [Hong Kong SAR China](https://apptail.io/app/emicro-ReTj/hong-kong)
- [Israel](https://apptail.io/app/emicro-ReTj/israel)
- [India](https://apptail.io/app/emicro-ReTj/india)
- [Iceland](https://apptail.io/app/emicro-ReTj/iceland)
- [Japan](https://apptail.io/app/emicro-ReTj/japan)
- [South Korea](https://apptail.io/app/emicro-ReTj/south-korea)
- [Kuwait](https://apptail.io/app/emicro-ReTj/kuwait)
- [Kazakhstan](https://apptail.io/app/emicro-ReTj/kazakhstan)
- [Lebanon](https://apptail.io/app/emicro-ReTj/lebanon)
- [Mexico](https://apptail.io/app/emicro-ReTj/mexico)
- [Nigeria](https://apptail.io/app/emicro-ReTj/nigeria)
- [Norway](https://apptail.io/app/emicro-ReTj/norway)
- [New Zealand](https://apptail.io/app/emicro-ReTj/new-zealand)
- [Philippines](https://apptail.io/app/emicro-ReTj/philippines)
- [Pakistan](https://apptail.io/app/emicro-ReTj/pakistan)
- [Russia](https://apptail.io/app/emicro-ReTj/russia)
- [Saudi Arabia](https://apptail.io/app/emicro-ReTj/saudi-arabia)
- [Singapore](https://apptail.io/app/emicro-ReTj/singapore)
- [Thailand](https://apptail.io/app/emicro-ReTj/thailand)
- [Türkiye](https://apptail.io/app/emicro-ReTj/turkey)
- [Taiwan](https://apptail.io/app/emicro-ReTj/taiwan)
- [Ukraine](https://apptail.io/app/emicro-ReTj/ukraine)
- [United States](https://apptail.io/app/emicro-ReTj/united-states)
- [Uzbekistan](https://apptail.io/app/emicro-ReTj/uzbekistan)
- [Vietnam](https://apptail.io/app/emicro-ReTj/vietnam)
- [United Arab Emirates](https://apptail.io/app/emicro-ReTj/united-arab-emirates)
- [South Africa](https://apptail.io/app/emicro-ReTj/south-africa)
- [Argentina](https://apptail.io/app/emicro-ReTj/argentina)
- [Brunei](https://apptail.io/app/emicro-ReTj/brunei)

---

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