What documents are usually required?
Each cooperative sets its own document list. The following are the basic documents commonly requested for government-servant applications:
| Document | Purpose |
|---|---|
| Copy of identity card (IC) | Identity verification |
| Recent payslips (usually 3 months) | Confirm income and existing deductions |
| Recent bank statement | Show the salary credit |
What additional documents may be requested?
Depending on the cooperative panel and your circumstances, the following may also be requested:
- A letter confirming your position or service from your employer.
- An EPF statement (if relevant).
- Other supporting documents requested during the check.
Some cooperatives promote applications without employer confirmation, while others require it — this is confirmed during the check.
Tips for preparing your documents
Prepare your documents carefully to help make the review smoother. A few tips:
- Use clear, recent copies; make sure the salary amount and deductions are visible.
- Ensure your name and details are consistent across all documents.
- Verify first that the cooperative is registered with SKM, and confirm the contact details (phone/WhatsApp number and officer) through the cooperative's official channel before sharing any personal information. SKM registration confirms the cooperative's status — not every offer, agent or communication channel.
- Do not send sensitive documents that are not needed unless specifically requested.
Your information is handled as described in our Privacy Notice. To see who qualifies to apply, read the Cooperative Loan Eligibility guide. Have other questions? See the FAQ section on the home page.