--- title: "EMLoan - Reviews, Revenue and Downloads in Malaysia | Apple App Store" description: "Express Mortgage & Loan Sdn Bhd is a microlending app which allows users to apply for a micro loan (RM1,000 to RM10,000) with a comfortable repayment schedule up to 5 years. Fees & Charges: Minimum d" --- # EMLoan — Malaysia ![EMLoan App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/07/da/43/07da436b-d4f6-188e-9072-1935ca747ae6/AppIcon-1x_U007emarketing-0-11-0-85-220-0.png/434x0w.png) **Developer:** [Appnicorn Sdn Bhd](https://apptail.io/developer/appnicorn-sdn-bhd-QUEe) (Malaysia) **Category:** Finance **Rating:** 2.6/5 (58 ratings) **Price:** Free **Bundle ID:** io.ionic.eml.app1 **Store:** Apple App Store **Country:** Malaysia **Version:** 1.03 (released 2025-05-08) **Original Release:** 2023-10-17 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/my/app/app/id6466398132) **AppTail Page:** [https://apptail.io/app/emloan-Hqeo/malaysia](https://apptail.io/app/emloan-Hqeo/malaysia) ## EMLoan Description Express Mortgage & Loan Sdn Bhd is a microlending app which allows users to apply for a micro loan (RM1,000 to RM10,000) with a comfortable repayment schedule up to 5 years. Fees & Charges: Minimum duration of payment: 6 months Maximum repayment period: 60 months Max. Annual Percentage Rate (APR): 18% Processing Fee (Includes Legal Fee, Stamp Fee, and Service Fee): 1. Stamp Duty: 0.5% on loan amount, 2. Legal Fees: 7.5% on loan amount (including of 6% SST), 3. Insurance Fee: RM15 per year based on the repayment period of apply (if not enough 1 year, count as 1 year) Both stamp duty, legal fees and insurance fee will be incurred upon first loan repayment. Early Termination Fee: We do not charge any early termination fee but customer will not get the deduction of the interest and total payable of loan. Late Payment Fee: RM50 per every time of late payment. Late payment penalty is applied in the next repayment invoice if repayment is not done within 7 calendar days from the date of repayment schedule. Calculation of the Loan Loan Example: Loan Amount: RM3,000.00 Tenure: 3 years Interest Rate: 18.00% p.a. Total payable: Loan + Total interest amount RM3,000 + RM1,620 = RM4,620 to be paid over 3 years Monthly repayment: Total payable/tenure (months) RM4,620/36 months = RM128.33 per month ---------------------------------------------------------------------------------------------------------- Late Payment charge example: Repayment schedule on 1st January but payment was only made on 8th January. Late payment charge will be added in next repayment invoice (February). Calculation: Monthly repayment amount + (late payment fee* how many times of late payment) RM128.33 + (RM50)*1 = RM178.33 ## EMLoan Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7c/54/4e/7c544e06-b276-1bf6-abde-6f3d81a595f5/Simulator_Screenshot_-_iPhone_16_Pro_Max_-_2025-04-21_at_13.21.04.png/1320x2868.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4d/ce/ee/4dceee55-8b06-a55c-a1df-1d536f8c57aa/Simulator_Screenshot_-_iPhone_16_Pro_Max_-_2025-04-21_at_13.21.31.png/1320x2868.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a1/d3/a3/a1d3a3b7-2dfd-b93b-27a8-d6b03f308d60/Simulator_Screenshot_-_iPhone_16_Pro_Max_-_2025-04-21_at_13.21.38.png/1320x2868.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c8/01/37/c80137ff-3c41-64bc-7c52-ffa97ea675b7/Simulator_Screenshot_-_iPhone_16_Pro_Max_-_2025-04-21_at_13.21.45.png/1320x2868.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fe/f1/d2/fef1d2e5-d39b-ac94-ac34-812b720079b4/Simulator_Screenshot_-_iPhone_16_Pro_Max_-_2025-04-21_at_13.22.11.png/1320x2868.png) ## EMLoan Rating Breakdown in Malaysia - 5 stars: 18 (31%) - 4 stars: 5 (9%) - 3 stars: 2 (3%) - 2 stars: 2 (3%) - 1 stars: 31 (53%) ## EMLoan Reviews in Malaysia ### *---- "ERROR" Lol this is fake and scam, after fill the details its keep error sampai abang jamil mampus! FIX YOUR SYATEM !!!! -- Naksu_, 2024-10-31 ### **--- "Don’t get the digital pin" Already got offer but stuck at digital pin..it didn’t send to my email..i have pm about the problem but until now no action..plz hurry fix the problem. -- Squallhanz, 2024-10-15 [View all EMLoan reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## EMLoan Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | Malaysia | Finance | #197 | ## EMLoan Discovered Keywords - pinjaman --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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