{"id":82661,"date":"2025-07-21T11:14:32","date_gmt":"2025-07-21T03:14:32","guid":{"rendered":"https:\/\/ctoscredit.com.my\/creditfinder\/?page_id=82661"},"modified":"2025-09-23T14:09:06","modified_gmt":"2025-09-23T06:09:06","slug":"gx-bank","status":"publish","type":"page","link":"https:\/\/ctoscredit.com.my\/creditfinder\/gx-bank\/","title":{"rendered":"GXBank FlexiCredit <br> <span class=\"page-description\"> FlexiCredit offers up to RM150,000 worth of credit limit with interest rates as low as 3.78% p.a.! <br> Enjoy instant approval and disbursements to your GXBank account. <\/span> <div style=\"text-align: center; margin-top: 20px;\"> <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\" style=\"display: inline-block; padding: 15px 25px; background-color: #f15d25; color: white; text-decoration: none; border-radius: 15px; font-weight: normal; font-size: 16px; line-height: 1;\"> Apply Now <\/a> <\/div>"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<div style=\"margin-bottom: 30px;\">\n    <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\">\n      <img decoding=\"async\" src=\"\/\/ctoscredit.com.my\/creditfinder\/wp-content\/uploads\/2025\/07\/CTOS-GX-FlexiCredit-KV.jpg\" alt=\"CTOS - GX FlexiCredit KV\">\n    <\/a>\n<\/div>\n\n<div>\n    <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\">\n      <img decoding=\"async\" src=\"http:\/\/ctoscredit.com.my\/wp-content\/uploads\/2025\/08\/This-company-real-or-not-Go-check-first-lah..png\" alt=\"CTOS - GX FlexiCredit KV\">\n    <\/a>\n<\/div>\n\n<h1><strong>Benefits<\/strong><\/h1>\n<ul>\n  <li>Line of credit up to RM150,000<\/li>\n  <li>Instant approval and disbursement<\/li>\n  <li>Flexible repayments up to 60 months<\/li>\n  <li>Interest as low as 3.78% p.a. (EIR 6.45% p.a.)<\/li>\n  <li>Min monthly income of RM1,500<\/li>\n<\/ul>\n\n<style>\n  th {\n    background-color: #d3d3d3; \/* light grey *\/\n  }\n<\/style>\n\n<div style=\"text-align: center;\">\n  <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\" style=\"display: inline-block; padding: 10px 20px; background-color: #f15d25; color: white; text-decoration: none; border-radius: 15px;\">\n    Apply Now\n  <\/a>\n<\/div>\n\n<h1><strong>Fees and Charges<\/strong><\/h1>\n<table>\n  <thead>\n    <tr>\n      <th>Fee Type<\/th>\n      <th>Details<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td><strong>Interest Rate \/ APR:<\/strong><\/td>\n      <td>As low as 3.78% p.a., depending on loan amount and period<\/td>\n    <\/tr>\n    <tr>\n      <td><strong>Processing Rate:<\/strong><\/td>\n      <td>None<\/td>\n    <\/tr>\n    <tr>\n      <td><strong>Stamp Duty:<\/strong><\/td>\n      <td>None<\/td>\n    <\/tr>\n    <tr>\n      <td><strong>Early Termination Fee:<\/strong><\/td>\n      <td>None<\/td>\n    <\/tr>\n    <tr>\n      <td><strong>Late Penalty Fee:<\/strong><\/td>\n      <td>1% from current outstanding amount, and per annum<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n<div style=\"text-align: center;\">\n  <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\" style=\"display: inline-block; padding: 10px 20px; background-color: #f15d25; color: white; text-decoration: none; border-radius: 15px;\">\n    Apply Now\n  <\/a>\n<\/div>\n\n<h1><strong>Eligibility and Requirements<\/strong><\/h1>\n<table>\n  <thead>\n    <tr>\n      <th>Requirement<\/th>\n      <th>Details<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <td><strong>Minimum Monthly Income:<\/strong><\/td>\n      <td>RM1,500<\/td>\n    <\/tr>\n    <tr>\n      <td><strong>Minimum Age:<\/strong><\/td>\n      <td>21 to 64 years old<\/td>\n    <\/tr>\n    <tr>\n      <td><strong>Who Can Apply:<\/strong><\/td>\n      <td>Malaysians, Salaried employee, Self-employed<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n<div style=\"text-align: center;\">\n  <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\" style=\"display: inline-block; padding: 10px 20px; background-color: #f15d25; color: white; text-decoration: none; border-radius: 15px;\">\n    Apply Now\n  <\/a>\n<\/div>\n\n<h1><strong>FAQs<\/strong><\/h1>\n<ul>\n  <li><strong>What is FlexiCredit?<\/strong><\/li> <l>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\u2019s within their assigned credit limit.<\/l>\n  <li><strong>Will I be charged any interest \/ fees if I do not use my line of credit?<\/strong><\/li> <l>There are no fees or interest incurred to maintain your line of credit. You only pay interest on the loan amount that you\u2019ve drawn from your available credit limit.<\/l>\n  <li><strong>Can I make multiple loan drawdowns?<\/strong><\/li> <l>You can draw multiple loans within your available credit limit. As you make repayments on your loan, your credit limit replenishes, allowing you to drawdown again up to your refreshed available limit. No further application or documents are required for recurring drawdowns.<\/l>\n  <li><strong>Where can the funds be disbursed to?<\/strong><\/li> <l>The funds will be disbursed to your GXBank Savings Account. Disbursements to other bank accounts are not supported for now.<\/l>\n  <li><strong>How long will it take for the funds to be disbursed?<\/strong><\/li> <l>Once you confirm your drawdown amount, the funds will be disbursed to your GX account in seconds.<\/l>\n  <li><strong>Why do I need to upload my KWSP i-Akaun statements in the application journey?<\/strong><\/li> <l>Income validation is a requirement by all banks to ensure responsible lending.<\/l>\n  <li><strong>What if I do not have a KWSP i-Akaun?<\/strong><\/li> <l>No worries! You can easily register for a KWSP i-Akaun online. If your mobile number hasn\u2019t been verified for TAC, you may need to visit a KWSP branch to complete the verification. \nOnce your i-Akaun is activated, you\u2019ll be able to download your KWSP statements for your FlexiCredit application!<\/l>\n<\/ul>\n\n<div style=\"text-align: center;\">\n  <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\" style=\"display: inline-block; padding: 10px 20px; background-color: #f15d25; color: white; text-decoration: none; border-radius: 15px;\">\n    Apply Now\n  <\/a>\n<\/div>\n\n<h1><strong>Terms and Conditions<\/strong><\/h1>\n<ul>\n  <li>Please click <a href=\"\/\/gxbank.my\/terms-and-conditions\" target=\"_blank\" rel=\"noopener noreferrer\"><u>here<\/u><\/a> to view <strong>Terms &amp; Conditions for GXBank FlexiCredit.<\/strong><\/li>\n  <li>Read the <strong>Product Disclosure Sheet<\/strong> for more information. Click <a href=\"\/\/gxbank.my\/docs\/PDS\/Retail-FlexiCredit-PDS-EN.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><u>here<\/u><\/a>.<\/li>\n  <li>For more information, please visit <a href=\"\/\/gxbank.my\/flexicredit\" target=\"_blank\" rel=\"noopener noreferrer\"><u>FlexiCredit<\/u><\/a>.<\/li>\n  <li>GXBank is a member of PIDM. Deposits are protected by PIDM up to RM250,000 for each depositor.<\/li>\n<\/ul>\n\n<div style=\"text-align: center;\">\n  <a href=\"\/\/gxbank.onelink.me\/k6nc\/t0gkhpto\" style=\"display: inline-block; padding: 10px 20px; background-color: #f15d25; color: white; text-decoration: none; border-radius: 15px;\">\n    Apply Now\n  <\/a>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Benefits Line of credit up to RM150,000 Instant approval and disbursement Flexible repayments up to 60 months Interest as low as 3.78% p.a. (EIR 6.45% p.a.) Min monthly income of RM1,500 Apply Now Fees and Charges Fee Type Details Interest Rate \/ APR: As low as 3.78% p.a., depending on loan amount and period Processing&hellip;<\/p>\n","protected":false},"author":31,"featured_media":83315,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-full-width.php","meta":{"footnotes":""},"class_list":["post-82661","page","type-page","status-publish","has-post-thumbnail","hentry","content-box content-box-wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>GXBank FlexiCredit   FlexiCredit offers up to RM150,000 worth of credit limit with interest rates as low as 3.78% p.a.!  Enjoy instant approval and disbursements to your GXBank account.    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