Loan Eligibility Calculator Malaysia
See how much you can borrow in Malaysia on your salary in MYR, and what Malaysia banks actually require before they approve you.
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Borrowing requirements in Malaysia
What you can borrow in Malaysia is set by your income in MYR and your existing commitments. Buzdy holds published eligibility terms for 23 lending products from 14 banks in Malaysia — the real requirements are listed below.
Looking for a credit card, a loan or a savings account in Malaysia?
Compare what banks in Malaysia actually offer — rates, fees and eligibility, updated for 2026.
Loan requirements in Malaysia
22 lending products with published eligibility terms.
Credit card eligibility in Malaysia
| Card | Bank | Minimum income | Minimum age | Salary transfer |
|---|---|---|---|---|
| HSBC Visa Signature Credit Card | HSBC Malaysia | Minimum annual income of RM102,000 p.a. | 21 | — |
1 cards state a minimum income or minimum age. Income figures are in MYR unless the bank says otherwise.
Banks we track in Malaysia
Keep going in Malaysia
Guides for Malaysia
Malaysia — frequently asked questions
What is the minimum salary for a loan in Malaysia?
Published minimum income requirements in our Malaysia data include RM 3,500; RM 3,000; RM 2,000; RM 1,400. Banks also look at your existing monthly commitments, not just gross salary.
What is the minimum age to borrow in Malaysia?
Minimum ages stated by the products we track in Malaysia include 21.
Do I need to transfer my salary to get a card or loan in Malaysia?
Not always — 20 of the 33 cards we track in Malaysia state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.