Rates and costs
Flat rate vs effective rate: how to compare loans without getting caught out
Why a 12% flat rate costs closer to 21.6% a year, how to work out the real cost of any loan, and the two numbers to compare between lenders.
5 min read
Guides
Know more before you borrow
Practical guides written for Malaysian borrowers, with real numbers and no sales talk. Read them whether or not you borrow from us.
Rates and costs
Rates and costs
Settling a loan early: how the Rule of 78 rebate works, with real numbers
What you pay to clear a flat-rate loan early, how the Rule of 78 rebate is calculated step by step, why settling early saves most at the start, and how to request it.
5 min read