You all must have been in a situation where money is not enough and you need money immediately to solve your problem.
Maybe you need to pay an overdue bill, go on a last minute vacation, or have other emergencies that require money in a short time.
If that’s the case, a personal loan from IOS might be the solution you’re looking for.
IOS Loan Approval
IOS Loan Approval refers to the loan approval process done by IOS.
IOS loan approval means the process of approval or approval of personal loans offered by IOS to individuals who need additional funds for various purposes, such as paying bills, vacations, or solving financial emergencies.
This process involves you applying for a loan with IOS, then you will fill out the application form and prepare the necessary documents such as salary statements, utility bills, etc.
After that, IOS will evaluate your application based on the conditions that have been set such as age, nationality, employment status, etc.
If your application is approved, the loan money will be deposited into your bank account.
This approval process usually happens quickly, which means you can get money in no time.
IOS Loan Terms
Before you proceed with the application, it is important to understand the necessary conditions.
The conditions for a personal loan from IOS include:
- You must be 18 years of age or older.
- You must be a Malaysian citizen.
- You can be a government worker, a factory worker, a private worker, a retiree, or receive a salary through a bank.
- Those of you listed in the blacklist are also eligible to apply.
Make sure you comply with all these conditions before applying.
For steps on how to apply for an IOS loan, you can read this article on how to apply for an IOS loan.
Advantages of IOS Loans
Here are some advantages of IOS loan:
- iOS is known for fast approvals.
- IOS offers a low interest rate, which is only 1.5%.
- The documents required for the application are also very simple. You only need to prepare documents such as bank statements, identification cards, and utility bills.
- IOS allows you to borrow up to RM 50,000.00, giving you more options.
- IOS offers a variety of flexible payment options, allowing you to choose the one that best suits your financial capabilities.
- You can also get compensation or early settlement without interest.
- IOS offers various loan packages that you can choose according to your needs.
Before applying, make sure you have the following documents:
- Latest salary statement for 3 months.
- Latest utility bills for 2 months.
- Latest bank savings account book for the last 3 months or current/savings bank account statement for the last 3 months for verification purposes.
- Photocopy of identity card.
- Mobile phone bill for one transaction month.
How Long Does the Approval Process Take?
Have you ever wondered how long the loan approval process from IOS actually takes?
If you want to apply for a loan with IOS for the first time, you must be curious, right? How long do you have to wait for approval? The answer is, usually, the approval process in IOS can take from a few hours to a few days.
The approval process from IOS takes between 3 to 5 working days, depending on the loan amount.
But, this depends on how much information you already have in your application, as well as how well you meet the necessary conditions.
If you want fast approval, make sure all the required documents are complete and correct.
Don’t forget to make sure the information in your profile is updated so that the approval process goes more smoothly. In addition, make sure you meet all the necessary conditions, for example such as a good payment record.
Check IOS Loan Application Status
To find out if your personal loan has been approved by IOS, you need to follow some simple steps as follows:
1. Check Email
Usually, when your loan application is approved, IOS will send you a notification email.
This email will notify you that your loan has been confirmed and the approved amount.
So make sure you check your email inbox regularly including the spam folder.
Check Application Status by Email
- Open an email application or go to your email website.
- Write an email message to the email address email@example.com
- In the email message, state the details of your application such as the application reference number, name, and the telephone number you used when making the application.
- Write the email subject as Check Application Status.
- Send the email.
- IOS will process your email and provide information on the status of your application in a timely manner via a reply email.
2. IOS Loan Login
You can also log in to your account on the official IOS website (if you have an account), to check the status of your application.
There, you will be able to see if your loan has been approved, the approved amount, and other important details.
Here are the ways to check IOS application status through the official website:
- Type the IOS official website address, ie
- If you have an account in the IOS system, enter your login details such as email and password.
- Push Button Login Now or similar to log into your account.
- After logging into your account, look for the Loan Application or Application Status link or section.
- In this section, you will be able to see information about the status of your loan application, whether it is in the approval process, has been approved, or has not been approved.
- In addition, you may also be able to see details about the approved loan amount, interest rate, and repayment period.
- After you see the status of the application, make sure to check the details carefully. If there are any questions or doubts, you can contact IOS customer service for further clarification.
3. Contact Customer Service
If you are still in doubt or do not receive any response via email or website, you can contact IOS customer service.
They will provide further information on the status of your application.
Check Application Status by Phone (1800-888-105):
- You can call the phone number 1800-888-105, which is the IOS customer service number.
- After the call is answered, follow the instructions provided by the automated system or select the appropriate option to connect with a customer service representative.
- When contacting a customer service representative, provide information about your loan application, such as your application reference number or personal details.
- A customer service representative will provide updates on the status of your application. Make sure you ask if there are any questions or doubts.
4. Review Via SMS
Sometimes, personal loan companies also send notifications via text messages (SMS) to inform you about the approval of your loan.
So make sure you check your text messages.
5. Check Bank Account Balance
If your loan application is approved, the loan money will be deposited into the bank account you provided in the application form.
Therefore, you can check your bank account to see whether the approved amount has been deposited or not.
If you do not receive a notification or any response after a few days, it is wise to contact IOS to get certainty about the status of your application.
By communicating with the company, you can know for sure if your loan has been approved or if there are any issues that need to be resolved