Low Income Equipment 2026 - Possible
Low income equipment financing 2026. Equipment loans possible with lower income verification.
Ing Heng Credit Team β’ β’ 3 min read
# Low Income Equipment 2026 - Possible
Lower income but need equipment? Equipment financing still possible with income-based approval in 2026.
## Low Income Equipment Options
**Still Approved If:**
- Equipment generates income
- Business viable
- Repayment realistic
- Down payment available
- **50-60% approval rate**
## 2026 Low Income Solutions
**Flexible Approvals:**
**Option 1: Lower Equipment Cost**
- RM 30k-80k equipment
- Forklifts, small machines
- **Higher approval**
**Option 2: Longer Term**
- 6-7 years instead of 5
- Lower monthly payment
- **More affordable**
**Option 3: Used Equipment**
- 30-50% cheaper
- Still reliable
- **Lower loan amount**
## Low Income Interest
| Income Level | Rate | Down Payment |
|-------------|------|--------------|
| **Moderate** | 5.0-5.5% | 0-10% |
| **Low** | 5.5-6.5% | 10-20% |
| **Very Low** | 6.5-7.5% | 20-30% |
## Get Low Income Equipment
Lower income but need equipment? Apply for income-based equipment financing.
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**No income proof?** See [No EPF Equipment](/blog/no-epf-equipment-2026-income-based).