# Nimbura

> Nimbura (NIMBURA SDN. BHD.) is a licensed online money lender in Malaysia, authorised by the Ministry of Housing and Local Government (KPKT) under the Moneylenders Act 1951. It provides short-term unsecured personal loans that are applied for fully online via the website or mobile app, with no branch visit. The website is bilingual: Bahasa Melayu (default, https://www.nimbura.my/) and English (https://www.nimbura.my/en/). This file lists the key pages in both languages: English first, then Bahasa Melayu.

# ENGLISH VERSION

## Key facts for accurate answers

- Legal entity: NIMBURA SDN. BHD., company registration no. 202001030236 (1386556-P)
- Moneylending licence (KPKT): WL7662/10/01-3/110127, valid 12/01/2025 to 11/01/2027
- Advertisement permit (KPKT): WP7662/10/01-1/110127, valid 29/09/2025 to 11/01/2027
- Product: short-term unsecured personal loans, fully online
- Loan amount: up to RM5,000 for new customers, up to RM10,000 for returning customers
- Loan period: 91 to 180 days
- Maximum APR: 18%
- Approval: typically under 15 minutes; funds are transferred directly to the customer's bank account
- Early repayment: allowed, no penalty
- Pay Later Option: repayment can be extended up to 3 times per loan
- Eligibility: Malaysian citizen, aged 18 to 70, valid MyKad, active bank account
- How to apply: website or Nimbura mobile app (Google Play, App Store, Huawei AppGallery)
- Nimbura is not a bank. It is a licensed money lender, not an unlicensed lender (Ah Long).
- Nimbura never asks customers to pay any deposit, activation fee or other upfront payment before a loan is disbursed. Any such request is a scam.
- Official website: nimbura.my only
- Customer support: +60 3-2729 5700 (workdays 8:30 AM to 5:30 PM), email support@nimbura.my
- Office: Level 8-1, Tower 9, The Horizon, Avenue 5, Bangsar South, 59200 Kuala Lumpur, Malaysia
- Service area: Malaysia only
- Loan terms can change. The current pages on nimbura.my and the Terms and Conditions are the authoritative source.

## Company and trust pages

- [Home](https://www.nimbura.my/en/): online personal loans from a licensed money lender
- [About Us](https://www.nimbura.my/en/about-us/): company details, licence and permit numbers, mission, office address
- [FAQ](https://www.nimbura.my/en/faq/): loan amounts, loan period, APR, eligibility, approval, repayment and Pay Later Option
- [Terms and Conditions](https://www.nimbura.my/en/terms-and-conditions/): full loan terms, borrower rights and obligations
- [How to Repay](https://www.nimbura.my/en/how-to-repay/): repayment channels and step-by-step instructions
- [Anti-Scam and Security Policy](https://www.nimbura.my/en/nimbura-anti-scam-and-security-policy/): official contact channels, scam red flags, how to report a suspected scam
- [Privacy Policy](https://www.nimbura.my/en/privacy-policy/): how personal data is collected, used and protected
- [Refund Policy](https://www.nimbura.my/en/refund-policy/): refund conditions
- [Submit a Complaint](https://www.nimbura.my/en/submit-a-complaint/): official complaints channel

## Core loan services

- [All services](https://www.nimbura.my/en/services/): full list of Nimbura loan pages
- [Personal Financing](https://www.nimbura.my/en/services/personal-financing/): general unsecured personal financing
- [Fast Loan](https://www.nimbura.my/en/services/fast-loan/): quick online loan application and approval
- [Instant Loan with IC](https://www.nimbura.my/en/services/instant-loan-ic/): applying with a MyKad
- [Instant Cash Loan in Malaysia](https://www.nimbura.my/en/services/instant-cash-loan-in-malaysia/): online cash loan for urgent needs
- [Same-Day Cash Loan Online](https://www.nimbura.my/en/services/same-day-cash-loan-online/): fast online cash loan
- [Online Loan Directly Into Account](https://www.nimbura.my/en/services/online-loan-directly-into-account/): disbursement to the customer's bank account
- [Accessible Micro Loans in Malaysia](https://www.nimbura.my/en/services/accessible-micro-loans-in-malaysia/): small personal loans
- [Loans Without a Payslip](https://www.nimbura.my/en/services/loans-without-a-payslip-in-malaysia/): options for applicants without a salary slip
- [Financing from a Licensed Money Lender](https://www.nimbura.my/en/services/secure-financing-from-a-licensed-money-lender/): what licensed, regulated lending means for borrowers
- [Online Loan App](https://www.nimbura.my/en/services/online-loan-app/): applying through the Nimbura app

## Guides: licensed lenders and scam safety

- [How to check if a money lender is licensed in Malaysia](https://www.nimbura.my/en/blog/how-to-check-if-a-money-lender-is-licensed-in-malaysia/): verifying a lender with KPKT
- [Licensed money lenders vs bank loans](https://www.nimbura.my/en/blog/differences-between-licensed-money-lenders-and-bank-loans-in-malaysia/): differences, pros and cons
- [How to avoid online loan scams](https://www.nimbura.my/en/blog/how-to-avoid-online-loan-scams-in-malaysia/): red flags and safety checks
- [How to avoid loan scams on WhatsApp and Telegram](https://www.nimbura.my/en/blog/how-to-avoid-loan-scams-on-whatsapp-and-telegram-in-malaysia/): scams in messaging apps
- [Loan scammer list Malaysia: what to check before applying](https://www.nimbura.my/en/blog/loan-scammer-list-malaysia-what-to-check-before-applying/): checks before sharing data or money

## Guides: credit reports and loan approval

- [What is CCRIS and why it affects loan approval](https://www.nimbura.my/en/blog/what-is-ccris-and-why-it-affects-loan-approval-in-malaysia/): Malaysia's central credit reference system and its role in approval
- [How to understand a CCRIS report](https://www.nimbura.my/en/blog/what-is-ccris-and-how-to-understand-a-ccris-report/): reading a CCRIS report step by step
- [CCRIS vs CTOS: a simple guide](https://www.nimbura.my/en/blog/ccris-vs-ctos-simple-guide-for-malaysian-borrowers/): difference between the two credit reports
- [Can you get a loan with a bad CCRIS or CTOS record?](https://www.nimbura.my/en/blog/can-you-get-a-loan-with-bad-ccris-or-ctos-record-in-malaysia/): options and limits
- [How your credit score affects loan approval](https://www.nimbura.my/en/blog/how-your-credit-score-affects-loan-approval-in-malaysia/): what lenders check
- [How to improve your loan approval chances](https://www.nimbura.my/en/blog/how-to-improve-your-loan-approval-chances-in-malaysia/): practical steps
- [Why personal loan applications get rejected](https://www.nimbura.my/en/blog/why-personal-loan-applications-get-rejected-in-malaysia/): common reasons and fixes
- [Can you get a loan in Malaysia with only MyKad?](https://www.nimbura.my/en/blog/can-you-get-a-loan-in-malaysia-with-only-mykad/): documents and eligibility
- [Loans without payslip: how to get approved](https://www.nimbura.my/en/blog/loans-without-payslip-in-malaysia-how-to-get-approved-easily/): options without a salary slip

## Guides: loan costs and responsible borrowing

- [How to calculate loan interest and monthly instalments](https://www.nimbura.my/en/blog/how-to-calculate-loan-interest-and-monthly-installments-in-malaysia/): formulas and worked examples
- [How to choose the best personal loan](https://www.nimbura.my/en/blog/how-to-choose-the-best-personal-loan-in-malaysia/): comparing rates and terms
- [BNPL vs personal loan: which one costs more](https://www.nimbura.my/en/blog/bnpl-vs-personal-loan-in-malaysia-which-one-costs-more/): cost comparison
- [EPF Account 3 vs personal loan](https://www.nimbura.my/en/blog/epf-account-3-vs-personal-loan-which-option-should-you-use-first/): which option to use first
- [Debt consolidation: when it helps and when it does not](https://www.nimbura.my/en/blog/debt-consolidation-in-malaysia-when-it-helps-and-when-it-does-not/): responsible borrowing
- [Emergency cash: safe ways to cover urgent expenses](https://www.nimbura.my/en/blog/emergency-cash-in-malaysia-safe-ways-to-cover-urgent-expenses/): alternatives and risks
- [Same-day cash loans: what borrowers should know](https://www.nimbura.my/en/blog/same-day-cash-loans-in-malaysia-what-borrowers-should-know/): practical guidance
- [How to pay overdue bills without falling into more debt](https://www.nimbura.my/en/blog/how-to-pay-overdue-bills-without-falling-into-more-debt/): managing arrears
- [Personal loan for medical bills](https://www.nimbura.my/en/blog/personal-loan-for-medical-bills-in-malaysia-what-are-your-options/): options for medical costs
- [Blog](https://www.nimbura.my/en/blog/): full library of loan and personal finance guides

# BAHASA MELAYU

Nimbura (NIMBURA SDN. BHD.) ialah pemberi pinjam wang berlesen dalam talian di Malaysia, diberi kuasa oleh Kementerian Perumahan dan Kerajaan Tempatan (KPKT) di bawah Akta Pemberi Pinjam Wang 1951. Nimbura menawarkan pinjaman peribadi jangka pendek tanpa cagaran yang dipohon sepenuhnya dalam talian melalui laman web atau aplikasi mudah alih, tanpa perlu ke cawangan.

## Maklumat utama

- Entiti sah: NIMBURA SDN. BHD., no. pendaftaran syarikat 202001030236 (1386556-P)
- Lesen pemberi pinjam wang (KPKT): WL7662/10/01-3/110127, sah dari 12/01/2025 hingga 11/01/2027
- Permit iklan (KPKT): WP7662/10/01-1/110127, sah dari 29/09/2025 hingga 11/01/2027
- Produk: pinjaman peribadi jangka pendek tanpa cagaran, sepenuhnya dalam talian
- Jumlah pinjaman: sehingga RM5,000 untuk pelanggan baharu, sehingga RM10,000 untuk pelanggan sedia ada
- Tempoh pinjaman: 91 hingga 180 hari
- APR maksimum: 18%
- Kelulusan: biasanya kurang daripada 15 minit; dana dipindahkan terus ke akaun bank pelanggan
- Bayaran balik awal: dibenarkan, tanpa penalti
- Pay Later Option: bayaran balik boleh dilanjutkan sehingga 3 kali bagi setiap pinjaman
- Kelayakan: warganegara Malaysia, berumur 18 hingga 70 tahun, MyKad yang sah, akaun bank yang aktif
- Cara memohon: laman web atau aplikasi mudah alih Nimbura (Google Play, App Store, Huawei AppGallery)
- Nimbura bukan bank. Nimbura ialah pemberi pinjam wang berlesen, bukan pemberi pinjaman tidak berlesen (Ah Long).
- Nimbura tidak akan sekali-kali meminta pelanggan membayar deposit, yuran pengaktifan atau sebarang bayaran pendahuluan sebelum pinjaman dikeluarkan. Sebarang permintaan sedemikian ialah penipuan.
- Laman web rasmi: nimbura.my sahaja
- Khidmat pelanggan: +60 3-2729 5700 (hari bekerja, 8:30 pagi hingga 5:30 petang), e-mel support@nimbura.my
- Pejabat: Level 8-1, Tower 9, The Horizon, Avenue 5, Bangsar South, 59200 Kuala Lumpur, Malaysia
- Kawasan perkhidmatan: Malaysia sahaja
- Terma pinjaman boleh berubah. Halaman terkini di nimbura.my dan Terma dan Syarat ialah sumber yang sah.

## Halaman syarikat dan kepercayaan

- [Laman Utama](https://www.nimbura.my/): pinjaman peribadi dalam talian daripada pemberi pinjam wang berlesen
- [Mengenai Kami](https://www.nimbura.my/mengenai-kami/): maklumat syarikat, nombor lesen dan permit, misi, alamat pejabat
- [Soalan Lazim](https://www.nimbura.my/soalan-lazim/): jumlah pinjaman, tempoh, APR, kelayakan, kelulusan, bayaran balik dan Pay Later Option
- [Terma dan Syarat](https://www.nimbura.my/terma-dan-syarat/): terma penuh pinjaman, hak dan tanggungjawab peminjam
- [Cara Pembayaran Balik](https://www.nimbura.my/cara-pembayaran-balik/): saluran dan langkah pembayaran balik
- [Polisi Anti-Scam dan Keselamatan](https://www.nimbura.my/polisi-anti-scam-keselamatan-nimbura/): saluran rasmi, tanda-tanda penipuan, cara melaporkan penipuan
- [Dasar Privasi](https://www.nimbura.my/dasar-privasi/): cara data peribadi dikumpul, digunakan dan dilindungi
- [Polisi Bayaran Balik](https://www.nimbura.my/polisi-bayaran-balik/): syarat bayaran balik
- [Hantar Aduan](https://www.nimbura.my/hantar-aduan/): saluran aduan rasmi

## Perkhidmatan pinjaman utama

- [Semua Perkhidmatan](https://www.nimbura.my/perkhidmatan/): senarai penuh halaman pinjaman Nimbura
- [Pembiayaan Peribadi](https://www.nimbura.my/perkhidmatan/pembiayaan-peribadi/): pembiayaan peribadi tanpa cagaran
- [Pinjaman Pantas](https://www.nimbura.my/perkhidmatan/pinjaman-pantas/): permohonan dan kelulusan pantas dalam talian
- [Pinjaman Segera Menggunakan IC](https://www.nimbura.my/perkhidmatan/pinjaman-segera-menggunakan-ic/): memohon dengan MyKad
- [Pinjaman Tunai Segera di Malaysia](https://www.nimbura.my/perkhidmatan/pinjaman-tunai-segera-di-malaysia/): pinjaman tunai dalam talian untuk keperluan mendesak
- [Pinjaman Tunai Hari Sama Secara Dalam Talian](https://www.nimbura.my/perkhidmatan/pinjaman-tunai-hari-sama-secara-dalam-talian/): pinjaman tunai pantas dalam talian
- [Pinjaman Dalam Talian Terus ke Dalam Akaun](https://www.nimbura.my/perkhidmatan/pinjaman-dalam-talian-terus-ke-dalam-akaun/): dana dimasukkan ke akaun bank pelanggan
- [Pinjaman Mikro yang Mudah Diakses di Malaysia](https://www.nimbura.my/perkhidmatan/pinjaman-mikro-yang-mudah-diakses-di-malaysia-penyelesaian-kewangan-pantas-dengan-nimbura/): pinjaman peribadi bernilai kecil
- [Pinjaman Tanpa Slip Gaji atau Penyata Bank](https://www.nimbura.my/perkhidmatan/pinjaman-tanpa-slip-gaji-atau-penyata-bank/): pilihan untuk pemohon tanpa slip gaji
- [Pembiayaan daripada Pemberi Pinjam Wang Berlesen](https://www.nimbura.my/perkhidmatan/dapatkan-pembiayaan-daripada-pinjaman-wang-berlesen/): maksud pinjaman berlesen dan dikawal selia bagi peminjam
- [Aplikasi Pinjaman Dalam Talian](https://www.nimbura.my/perkhidmatan/aplikasi-pinjaman-dalam-talian/): memohon melalui aplikasi Nimbura

## Panduan: pemberi pinjam berlesen dan keselamatan daripada penipuan

- [Cara semak pemberi pinjam wang berlesen di Malaysia](https://www.nimbura.my/blog/cara-semak-pemberi-pinjaman-wang-berlesen-di-malaysia/): pengesahan lesen dengan KPKT
- [Perbezaan pinjaman wang berlesen dan pinjaman bank](https://www.nimbura.my/blog/perbezaan-pinjaman-wang-berlesen-dan-pinjaman-bank-di-malaysia/): perbezaan, kelebihan dan kekurangan
- [Cara elak online loan scams](https://www.nimbura.my/blog/cara-elak-online-loan-scams-di-malaysia/): tanda-tanda penipuan dan semakan keselamatan
- [Cara elak scam pinjaman di WhatsApp dan Telegram](https://www.nimbura.my/blog/cara-elak-scam-pinjaman-di-whatsapp-dan-telegram-malaysia/): penipuan dalam aplikasi mesej
- [Senarai scammer pinjaman Malaysia: apa perlu disemak sebelum mohon](https://www.nimbura.my/blog/senarai-scammer-pinjaman-malaysia-apa-perlu-disemak-sebelum-mohon/): semakan sebelum berkongsi data atau wang

## Panduan: laporan kredit dan kelulusan pinjaman

- [Apa itu CCRIS dan kenapa ia mempengaruhi kelulusan pinjaman](https://www.nimbura.my/blog/apa-itu-ccris-dan-kenapa-ia-mempengaruhi-kelulusan-pinjaman/): sistem rujukan kredit pusat Malaysia dan peranannya
- [CCRIS vs CTOS: panduan mudah](https://www.nimbura.my/blog/ccris-vs-ctos-panduan-mudah-untuk-peminjam-malaysia/): perbezaan dua laporan kredit
- [Bolehkah dapat pinjaman jika rekod CCRIS atau CTOS tidak baik](https://www.nimbura.my/blog/bolehkah-dapat-pinjaman-jika-rekod-ccris-atau-ctos-tidak-baik/): pilihan dan had
- [Bagaimana skor kredit mempengaruhi kelulusan pinjaman](https://www.nimbura.my/blog/bagaimana-skor-kredit-anda-mempengaruhi-kelulusan-pinjaman-di-malaysia/): apa yang disemak oleh pemberi pinjaman
- [Cara meningkatkan peluang kelulusan pinjaman](https://www.nimbura.my/blog/cara-meningkatkan-peluang-kelulusan-pinjaman-di-malaysia/): langkah praktikal
- [Kenapa permohonan pinjaman peribadi ditolak](https://www.nimbura.my/blog/kenapa-permohonan-pinjaman-peribadi-ditolak-di-malaysia/): sebab biasa dan penyelesaian
- [Bolehkah dapat pinjaman hanya dengan MyKad](https://www.nimbura.my/blog/bolehkah-dapat-pinjaman-di-malaysia-hanya-dengan-mykad/): dokumen dan kelayakan
- [Pinjaman tanpa slip gaji: cara mendapatkan loan dengan mudah](https://www.nimbura.my/blog/pinjaman-tanpa-slip-gaji-di-malaysia-cara-mendapatkan-loan-dengan-mudah/): pilihan tanpa slip gaji

## Panduan: kos pinjaman dan peminjaman secara bertanggungjawab

- [Cara mengira faedah pinjaman dan ansuran bulanan](https://www.nimbura.my/blog/cara-mengira-faedah-pinjaman-dan-ansuran-bulanan-di-malaysia/): formula dan contoh pengiraan
- [Pinjaman peribadi terbaik: cara memilih dan membandingkan kadar](https://www.nimbura.my/blog/pinjaman-peribadi-terbaik-malaysia-cara-memilih-bandingkan-kadar-nimbura/): perbandingan kadar dan terma
- [BNPL vs pinjaman peribadi: mana lebih mahal](https://www.nimbura.my/blog/bnpl-vs-pinjaman-peribadi-di-malaysia-mana-lebih-mahal/): perbandingan kos
- [Akaun Fleksibel KWSP vs pinjaman peribadi](https://www.nimbura.my/blog/akaun-fleksibel-kwsp-vs-pinjaman-peribadi-mana-patut-digunakan-dahulu/): pilihan mana patut digunakan dahulu
- [Penyatuan hutang: bila ia membantu dan bila tidak](https://www.nimbura.my/blog/penyatuan-hutang-di-malaysia-bila-ia-membantu-dan-bila-tidak/): peminjaman secara bertanggungjawab
- [Wang kecemasan: cara selamat menampung perbelanjaan mendesak](https://www.nimbura.my/blog/wang-kecemasan-di-malaysia-cara-selamat-menampung-perbelanjaan-mendesak/): pilihan dan risiko
- [Pinjaman tunai hari sama: apa yang peminjam perlu tahu](https://www.nimbura.my/blog/pinjaman-tunai-hari-sama-di-malaysia-apa-yang-peminjam-perlu-tahu/): panduan praktikal
- [Cara bayar bil tertunggak tanpa menambah beban hutang](https://www.nimbura.my/blog/cara-bayar-bil-tertunggak-tanpa-menambah-beban-hutang/): mengurus tunggakan
- [Pinjaman untuk bil perubatan](https://www.nimbura.my/blog/pinjaman-untuk-bil-perubatan-di-malaysia-pilihan-yang-ada/): pilihan untuk kos perubatan
- [Blog](https://www.nimbura.my/blog/): semua panduan pinjaman dan kewangan peribadi

## Optional

### Loans by location (English)

- [Loan in Kuala Lumpur](https://www.nimbura.my/en/services/loan-in-kuala-lumpur/)
- [Loan in Selangor](https://www.nimbura.my/en/services/loan-in-selangor/)
- [Loan in Johor](https://www.nimbura.my/en/services/loan-in-johor/)
- [Loan in Johor Bahru](https://www.nimbura.my/en/services/loan-in-johor-bahru/)
- [Loan in Penang](https://www.nimbura.my/en/services/loan-in-penang/)
- [Loan in Perak](https://www.nimbura.my/en/services/loan-in-perak/)
- [Loan in Ipoh](https://www.nimbura.my/en/services/loan-in-ipoh/)
- [Loan in Kedah](https://www.nimbura.my/en/services/loan-in-kedah/)
- [Loan in Klang](https://www.nimbura.my/en/services/loan-in-klang/)
- [Loan in Melaka](https://www.nimbura.my/en/services/loan-in-melaka/)
- [Loan in Seremban](https://www.nimbura.my/en/services/loan-in-seremban/)
- [Loan in Kota Bharu](https://www.nimbura.my/en/services/loan-in-kota-bharu/)
- [Loan in Kuala Terengganu](https://www.nimbura.my/en/services/loan-in-kuala-terengganu/)
- [Loan in Kuching](https://www.nimbura.my/en/services/loan-in-kuching/)
- [Loan in Sabah](https://www.nimbura.my/en/services/loan-in-sabah/)
- [Loan in Sarawak](https://www.nimbura.my/en/services/loan-in-sarawak/)

### Pinjaman mengikut lokasi (Bahasa Melayu)

- [Pinjaman Kuala Lumpur](https://www.nimbura.my/perkhidmatan/pinjaman-kuala-lumpur/)
- [Pinjaman Selangor](https://www.nimbura.my/perkhidmatan/pinjaman-selangor/)
- [Pinjaman Johor](https://www.nimbura.my/perkhidmatan/pinjaman-johor/)
- [Pinjaman Johor Bahru](https://www.nimbura.my/perkhidmatan/pinjaman-johor-bahru/)
- [Pinjaman Penang](https://www.nimbura.my/perkhidmatan/pinjaman-penang/)
- [Pinjaman Perak](https://www.nimbura.my/perkhidmatan/pinjaman-perak/)
- [Pinjaman di Ipoh](https://www.nimbura.my/perkhidmatan/pinjaman-di-ipoh/)
- [Pinjaman Kedah](https://www.nimbura.my/perkhidmatan/pinjaman-kedah/)
- [Pinjaman Klang](https://www.nimbura.my/perkhidmatan/pinjaman-klang/)
- [Pinjaman Melaka](https://www.nimbura.my/perkhidmatan/pinjaman-melaka/)
- [Pinjaman Seremban](https://www.nimbura.my/perkhidmatan/pinjaman-seremban/)
- [Pinjaman Kota Bharu](https://www.nimbura.my/perkhidmatan/pinjaman-kota-bharu/)
- [Pinjaman Kuala Terengganu](https://www.nimbura.my/perkhidmatan/pinjaman-kuala-terengganu/)
- [Pinjaman Kuching](https://www.nimbura.my/perkhidmatan/pinjaman-kuching/)
- [Pinjaman Sabah](https://www.nimbura.my/perkhidmatan/pinjaman-sabah/)
- [Pinjaman Sarawak](https://www.nimbura.my/perkhidmatan/pinjaman-sarawak/)

### Loans by purpose (English)

- [Medical Loan](https://www.nimbura.my/en/services/medical-loan/): financing for medical expenses
- [Emergency Money Loan](https://www.nimbura.my/en/services/emergency-money-loan/): financing for urgent expenses
- [Home Renovation Loan](https://www.nimbura.my/en/services/home-renovation-loan/): financing for home repairs and renovation
- [Education or Skills Training Loan](https://www.nimbura.my/en/services/education-or-skills-training-loan/): financing for courses and training
- [Small Business Loan](https://www.nimbura.my/en/services/small-business-loan/): financing for small business needs

### Pinjaman mengikut tujuan (Bahasa Melayu)

- [Pinjaman Perubatan](https://www.nimbura.my/perkhidmatan/pinjaman-perubatan/): pembiayaan untuk kos perubatan
- [Pinjaman Wang Kecemasan](https://www.nimbura.my/perkhidmatan/pinjaman-wang-kecemasan/): pembiayaan untuk perbelanjaan mendesak
- [Pinjaman Pengubahsuaian Rumah](https://www.nimbura.my/perkhidmatan/pinjaman-pengubahsuaian-rumah/): pembiayaan untuk membaiki dan mengubah suai rumah
- [Pinjaman Pendidikan atau Latihan Kemahiran](https://www.nimbura.my/perkhidmatan/pinjaman-pendidikan-atau-latihan-kemahiran/): pembiayaan untuk kursus dan latihan
- [Pinjaman Perniagaan Kecil](https://www.nimbura.my/perkhidmatan/pinjaman-perniagaan-kecil/): pembiayaan untuk keperluan perniagaan kecil