Modalla

Modalla gives working Malaysians a short‑term amount for the things that can't wait — a medical bill, a car repair, a gap before payday — with none of the guesswork. Before you commit, every package spells out what you receive, the one‑time fee, the due date and the total repayable. After that, the app keeps your balance, repayment progress and payment history in one place, and your assigned officer is a message away in Bahasa Malaysia or English.

Product Information
Financing Term: 90‑365 days
Minimum Annual Percentage Rate (APR): 0%
Maximum Annual Percentage Rate (APR): 18% per annum

Financing Calculation Example
A customer applies for financing of RM8,000 with a financing tenure of 90 days.
Financing cost: RM8,000 × 90 × 0.05% = RM360
Financing Amount: RM8,000
Financing Cost: RM360
Total Amount Repayable: RM8,360