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Drawdown cash instantly when you need it.
When you make your first FlexiCredit drawdown of at least RM5,000 & complete your first monthly repayment.
Find Out MoreOn your FlexiCredit drawdown of RM1,000 or more with a minimum 12-month tenure.
Find Out MoreTerms and conditions apply.
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Apply and get up to RM150,000 credit limit in minutes.
*Subject to eligibility requirements.
Get money in your GX Account* immediately when you drawdown a loan. Interest starts from 3.78%* p.a. (EIR 6.62% p.a.)
*Protected by PIDM up toRM250,000 for each depositor.
Repay your way with a tenure that works for you. No early settlement fees or processing fees.
For emergencies or unexpected moments, access your credit limit and drawdown funds anytime, 24/7.
*This is a simplified illustration of monthly repayment. Actual rate offered may differ to every user.
STEP 1
STEP 2
2 years’ EPF statements (PDF) with 6 months’ consecutive contributions.
6 months’ business bank statements (PDF)
Latest 2 years’ EPF statements (PDF) with consecutive contributions for recent 6 months.
6 months’ business bank statements (PDF)
STEP 3
Existing Users:
New Users
Log in to the GXBank App If you already have a GXBank Savings Account, simply log in. If you’re new, you’ll need to create a GXBank Savings Account first.
Find the FlexiCredit banner under "For You Today" on your app homepage or head over to the discover tab to look for FlexiCredit. If you’re a pre-selected customer, this will be visible to you.
Standby with your KWSP i-Akaun login credentials before you begin, we’ll need to verify your income as part of the application process and this can be done 100% within the GXBank app. By keying in your KWSP credentials, your EPF docs can be retrieved automatically or you can manually upload your KWSP statements.
For the best experience, login to your KWSP i-Akaun during the application process:
Alternatively, you can manually download the past 2 years of your EPF statements and upload them during the application process. Statements must be downloaded directly from the KWSP i-Akaun app or website in PDF format.
Don’t have a KWSP i-Akaun? Download the KWSP i-Akaun app from App Store or Google Play to register your account online.
Start the FlexiCredit sign up process, the app will walk you through the application steps and you'll receive a decision within minutes.
To be eligible for FlexiCredit, you must:
• Be a Malaysian citizen residing in Malaysia with a MyKad.
• Be between 21 and 64 years old.
• Have a minimum monthly income of RM 1,500.
• Be employed / self employed. Students, housewives/househusbands or retirees, are not eligible for FlexiCredit.
Note: If any of your details are incorrect or outdated, please contact our customer service team via in-app Live Chat to update your information.
1. Early Settlement Fees - RM 0.00
2. Processing Fees - RM 0.00
3. Late Charges / Late Payment Interest - 1% on the overdue amount
For further details of the fees and charges, please refer to our Product Disclosure Sheet.
Click here for the full Terms and Conditions Governing Retail Banking Products & Services.
Click here for the FlexiCredit Product Disclosure Sheet.
FlexiCredit is a line of credit where customers will be granted a credit limit that they are able to make multiple drawdowns of funds from, as long as it’s within their assigned credit limit.
There are no fees or interest incurred to maintain your credit line. You only pay interest on the loan amount that you’ve drawn from your available credit limit.
You can draw multiple loans within your available credit limit. As you make repayments on your loan, your credit limit replenishes, allowing you to draw down again up to your refreshed available limit. No further application or documents are required for recurring drawdowns.
The funds will be disbursed to your GXBank Savings Account. Disbursements to other bank accounts are not supported for now.
Once you confirm your drawdown amount, the funds will be disbursed to your account in seconds.
To manage your FlexiCredit account:
1. Go to the FlexiCredit homescreen.
2. Tap on the 'Manage' icon.
3. You will be able to manage your auto repayment settings, view your repayment date, as well as view your FlexiCredit statements
Income validation is a requirement by all banks to ensure responsible lending.
No worries! You can easily register for a KWSP i-Akaun online. Here's a simple guide from KWSP to help you with the process. KWSP Registration Guide.
If your mobile number hasn't been verified for TAC, you may need to visit a KWSP branch to compete the verification. For detailed steps on activating your i-Akaun, check out this activation guide.
