Consumer Financing

Empowering Your Purchases Through Managed Instalments

Consumer financing advisory team

Why Consumer Financing Makes Sense

Our consumer financing lets eligible individuals get the products or services they need today, while keeping their finances healthy through manageable repayment plans.

Fast Approval

Approval is targeted within around 3 working days, subject to eligibility.

Zero Upfront Burden

Qualified applicants aren’t required to put down a deposit.

Predictable Planning

Fixed monthly instalments make personal budgeting easier to plan around.

Flexible Tenure

Choose instalment plans from 12 up to 36 months.

Digital Integration

Apply and track your application through a structured, hassle-free digital platform.

Minimal Documentation

Documentation requirements are kept simple and efficient.

Eligibility

Who Can Apply

Applicants must:

  • Be a Malaysian citizen aged between 21–59 years old
  • Be employed as a Government Servant or with a GLC (subject to assessment)
  • Earn a minimum monthly salary of RM1,500, inclusive of fixed allowances
  • Applicants with CCRIS/CTOS/AKPK records may still be considered, pending evaluation
Documentation

Documents Required

  • Original MyKad (Identification Card)
  • Payslips for the latest 3 months
Get Started

Why Choose Mesra Modal Network

  • A structured approach to repayment planning
  • Clear, fixed instalments
  • Fast processing timeline
  • Compliance-aware assessment
  • A disciplined monitoring system
Approval Efficiency97%
Repayment Performance95%
Transparent Framework100%

Application Form

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