Apply for Shariah-compliant cooperative personal financing designed for civil servants with CCRIS, CTOS, AKPK records, or lower credit scores, with financing up to RM 200,000 and repayment through ANGKASA.
Available Amount
Up to RM 200,000
Best For
Civil servants
Journey
Loan flowApply online
Tell us your financing need and employment profile.
Compare suitable options
Review bank and koperasi options that fit your profile.
Submit documents
Prepare your income documents and bank statement for review.
Consultant assists A-Z
Get guided support until your application is completed.
Prepare
About The Facility
Xanderia cooperative personal financing is designed for Malaysian civil servants who need a structured Shariah-compliant financing route, especially when bank approval is difficult.
Background
The reference page describes Xanderia as a Shariah-compliant personal financing option for civil servants, with a digital application process, no guarantor or collateral, and repayment through ANGKASA salary deduction.
Credit Profile
CCRIS/CTOS/AKPK
Designed for selected applicants with less-than-perfect credit records.
Application
Digital
The reference page highlights a fully digital application process.
Audience
Civil Servants
Built for eligible Malaysian civil servants with ANGKASA salary deduction.
Special Loan Features
This cooperative route is built for eligible civil servants who need flexible assessment, salary deduction repayment, and a long repayment tenure.
Financing Amount
Maximum financing amount is subject to profile, eligibility, and final approval.
Profit Rate
The reference page lists 6.99% per year, subject to eligibility assessment.
Financing Tenure
The repayment tenure can range from 1 year up to 12 years.
Repayment
Monthly instalments are deducted through ANGKASA salary deduction.
Processing
The reference processing timeline is around 1 to 2 working weeks.
Membership Fee
The reference terms state that membership fees are not required.
Security
No guarantor or collateral is required for this financing route.
Concept
The facility follows a Shariah-compliant cooperative financing structure.
Credit Profile
The reference page positions Xanderia for civil servants with CCRIS, CTOS, or AKPK records, including applicants who may have been rejected by banks before. Final approval still depends on the full eligibility assessment.
Eligibility & Documents
These are the applicant requirements and key restrictions highlighted for Koperasi Xanderia cooperative personal financing.
Payout, Fees & Repayment
Final payout, rate, tenure, and repayment are subject to assessment and the financier's terms.
Cash in hand
Applicants can receive up to 80% of the approved financing amount after management fees.
Takaful Protection
The reference terms state that Xanderia financing is not covered by Takaful.
Membership Fee
This cooperative financing route does not require membership fees.
Debt Consolidation
The reference page positions Xanderia for restructuring existing debts and stabilising monthly finances.
Profit Rate
The rate is subject to eligibility assessment and final approval terms.
Repayment Tenure
Longer repayment tenure may help structure monthly repayments, subject to approval.
Our Promise
Applying can feel stressful, so the process stays clear, convenient, transparent, and free from upfront charges.
We focus on matching your financing need with suitable, reputable bank and koperasi options.
A consultant guides your application, document preparation, and follow-up from A to Z.
Rate, payout, processing time, fees, and important conditions are explained clearly before you proceed.
Our service is 100% free. No hidden charges or upfront processing fee is collected from you.
Share your employment profile, financing amount, income, and credit profile details.
Prepare your identity, employment, income, and salary deduction details for review.
Your consultant helps check whether Xanderia or another koperasi option fits your profile.
After you choose a suitable route, your consultant assists with submission, follow-up, and next steps.
FAQ
Key details before you apply for Koperasi Xanderia cooperative personal financing.
Tell us what you need on the contact page and our team will guide you to the right financing option, documents, and next step.
