Credit approval in minutes,
cash instantly.

Like a personal loan, but way faster! Apply Now
Credit approval in minutes,
cash instantly.
Like a personal loan, but way faster! Apply Now

Get a credit limit of up to RM150,000

Drawdown cash instantly when you need it.

RM 20
Cashback

When you activate your FlexiCredit limit.

Find Out More

RM 60 Grab Vouchers

When you make your first FlexiCredit drawdown of at least RM5,000 & complete your first monthly repayment.

Find Out More

Stand to win 100% Cashback

On your FlexiCredit drawdown of RM1,000 or more with a minimum 12-month tenure.

Find Out More

Terms and conditions apply.

Why FlexiCredit?

Instant approval

Apply and get up to RM150,000 credit limit in minutes.

*Subject to eligibility requirements.

Instant disbursement

Get money in your GX Account* immediately when you drawdown a loan. Interest starts from 3.78%* p.a. (EIR 6.45% p.a.)

*Protected by PIDM up to RM250,000 for each depositor.

Flexible repayments up to 60 months

Repay your way with a tenure that works for you. No early settlement fees or processing fees.

Flexible borrowing. Anytime.

For emergencies or unexpected moments, access your credit limit and drawdown funds anytime, 24/7.

Drawdown calculator

RM
months
%
Monthly Payment: 0.00
Total Repayment: 0.00
Total Interest: 0.00

*This is a simplified illustration of monthly repayment. Actual rate offered may differ to every user.

Ready to Apply?
Let’s Get Started!

STEP 1

Check If You Qualify

  • Have a GXBank Account.
  • Aged between 21 and 64.
  • Salaried / Self employed with minimum monthly income of RM1,500.

STEP 2

Ready Your Income Documents

For Salaried Individuals:

2 years' EPF statements (PDF) with consecutive contributions for the recent 6 months.

  • Downloaded from KWSP i-Akaun latest app or website.
  • Use PDF format only—avoid scanning or editing files.
  • Download from latest KWSP i-Akaun app or website.
  • Don’t modify or edit files after downloading.

For Self Employed:

6 months’ business bank statements (PDF)

  • Downloaded from your bank’s official portal.
  • Use PDF format only—avoid scanning or editing files.
  • Download directly from your bank’s portal—avoid screenshots or scans.
  • Don’t modify or edit files after downloading.

For Salaried Individuals:

Latest 2 years’ EPF statements (PDF) with consecutive contributions for recent 6 months.

  • Downloaded from KWSP i-Akaun latest app or website.
  • Use PDF format only—avoid scanning or editing files.
  • Download from latest KWSP i-Akaun app or website.
  • Don’t modify or edit files after downloading.

For Self Employed:

6 months’ business bank statements (PDF)

  • Downloaded from your bank’s official portal.
  • Use PDF format only—avoid scanning or editing files.
  • Download directly from your bank’s portal—avoid screenshots or scans.
  • Don’t modify or edit files after downloading.

STEP 3

Access And Apply!

Existing Users:

  • Open the GXBank app and log in
  • Find the FlexiCredit banner:

    - On your 'Home' tab at 'For you today'

    - Or in the 'Discover' tab

New Users

  • Download the latest GXBank app and create a Savings Account (less than 4 minutes) and turn on credit product offers consent
  • Access FlexiCredit on your ‘Discover’ tab and  ‘For you today’ in your ‘Home’ tab
  • Follow the guided steps to enter your details.
  • Upload the required documents (PDF format, below 3MB)

How to drawdown cash
from FlexiCredit

Step 1

Activate your credit limit once it has been approved.

Step 2

On your FlexiCredit dashboard, tap on the 'Drawdown' icon.

*This is a simplified illustration. Actual rate offered may differ to every user.
Step 3

Input the desired drawdown amount and tenure.

Step 4

Select your monthly repayment date. You can also name your drawdown (eg; house renovations, unexpected repairs)

Step 5


Review your drawdown details and confirm.

Step 6


The funds will be disbursed to your GX Account in seconds.

*This is a simplified illustration. Actual rate offered may differ to every user.
*This is a simplified illustration. Actual rate offered may differ to every user.
Step 1

Activate your credit limit once it has been approved.

*This is a simplified illustration. Actual rate offered may differ to every user.
Step 2

On your FlexiCredit dashboard, click on the 'Drawdown' icon.

*This is a simplified illustration. Actual rate offered may differ to every user.
Step 3

Input the desired drawdown amount and tenure.

*This is a simplified illustration. Actual rate offered may differ to every user.
Step 4

Select your monthly repayment date. You can also name your drawdown (eg; house renovations, unexpected repairs)

Get cash immediately when you need them

Product Disclosures

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.

Applicable Fees & Charges

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.

Terms and Conditions

Click here for the full Terms and Conditions Governing Retail Banking Products & Services.

Product Disclosure Sheet

Click here for the FlexiCredit Product Disclosure Sheet.

Rewards Campaign Terms and Conditions

  • Click here for the full FlexiCredit Drawdown Rewards Campaign Terms and Conditions and here for FlexiCredit Drawdown Rewards Campaign FAQ.
  • Click here for the full FlexiCredit Limit Activation Campaign Terms and Conditions and here for FlexiCredit Limit Activation Campaign FAQ.
  • Click here for the full 1%/10%/100% FlexiCredit Drawdown Cashback Campaign Terms and Conditions and here for 1%/10%/100% FlexiCredit Drawdown Cashback Campaign FAQ.

Open a GX Account and apply for FlexiCredit now

Account opening and credit approval in minutes. Financial access anytime you need it.

Frequently Asked Questions

FlexiCredit is a line of credit where customers will be granted a credit limit that they are able to make drawdowns of funds from, as long as it’s within their assigned credit limit.

Will I be charged any interest / fees if I do not use my credit line?

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.

Can I make multiple loan drawdowns?

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.

Where can the funds be disbursed to?

The funds will be disbursed to your GXBank Savings Account. Disbursements to other bank accounts are not supported for now.

How long will it take for the funds to be disbursed?

Once you confirm your drawdown amount, the funds will be disbursed to your account in seconds.

How can I manage my FlexiCredit account?

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

Why do I need to upload my KWSP i-Akaun statements in the application journey?

Income validation is a requirement by all banks to ensure responsible lending.

What if I do not have a KWSP i-Akaun?

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 complete the verification. For detailed steps on activating your i-Akaun, check out this activation guide.

Once your i-Akaun is activated, you’ll be ready to use it for your FlexiCredit application!