Personal Financing
Flexible, licensed personal loans built for Malaysians — clear terms, fast approval, no hidden fees.
Loan amount
RM 1,000 – RM 300,000
Tenure
6 – 108 months
Interest rate
From 12% p.a.
Approval
As fast as 12 hours
Who can apply
- Malaysian citizen aged 21 and above
- A steady monthly income
- Employed, self-employed or a civil servant
- Contactable phone number and email
What you need to start
- Your full name and contact
- Your state and employment type
- Monthly income and employer
- No documents needed to apply online
From application to disbursement
- 1
Submit your application
±5 minutesComplete the 3-step online form with your basic, loan and income details.
- 2
Initial review
Within 12 hoursOur credit team verifies your details and may WhatsApp or call you for anything missing.
- 3
Confirm your offer
You decideWe present your approved amount, rate and monthly payment. Take your time — no pressure.
- 4
Sign the agreement
Same dayReview and sign your loan agreement — every fee and term stated in black and white.
- 5
Receive your funds
1–2 working daysMoney is transferred directly to your Malaysian bank account.
Transparent fees, in plain language
Interest is calculated on your reducing balance at a fixed rate — you only pay interest on what you still owe. Here's everything you will (and won't) pay:
- Fixed interest from 12% p.a. on reducing balance
- Stamp duty as required by law — stated upfront
- No processing fee, no hidden charges
- No early settlement penalty
Repayment example
- Loan amount
- RM 10,000
- Tenure
- 24 months
- Rate
- 12% p.a.
- Monthly payment
- RM 470.73
- Total payable
- RM 11,297.52
Illustration only — your actual offer depends on approval.
Estimated monthly payments
Find your loan amount and preferred tenure to see the estimated monthly payment — calculated the same way as your actual loan, at 12% p.a. on reducing balance.
| Loan amount | 12 months | 36 months | 60 months | 108 months |
|---|---|---|---|---|
| RM 5,000 | RM 444.24 | RM 166.07 | RM 111.22 | RM 75.92 |
| RM 20,000 | RM 1,776.98 | RM 664.29 | RM 444.89 | RM 303.68 |
| RM 50,000 | RM 4,442.44 | RM 1,660.72 | RM 1,112.22 | RM 759.21 |
| RM 100,000 | RM 8,884.88 | RM 3,321.43 | RM 2,224.44 | RM 1,518.42 |
| RM 300,000 | RM 26,654.64 | RM 9,964.29 | RM 6,673.33 | RM 4,555.27 |
Illustration only, at 12% p.a. on reducing balance. Your actual offer depends on approval.
Loans for every need
Emergency
Medical bills, urgent repairs or unexpected expenses — funds fast, when timing matters most.
Education
Tuition, exam fees or professional courses — invest in yourself or your children.
Marriage
Celebrate your big day without draining your savings.
Home Reno
Renovations, repairs or furnishing to make your house feel like home.
Travel
Family trips, umrah or a well-earned break — planned and paid for sensibly.
Others
Debt consolidation, business needs or any personal goal — talk to us.
Product questions
How much can I borrow?
From RM 1,000 to RM 300,000. The approved amount depends on your income and repayment ability.
How do I choose the right tenure?
A longer tenure means lower monthly payments but more total interest. Use the calculator to find a comfortable balance.
What interest rate will I get?
Rates start from 12% p.a. and stay fixed for your whole tenure. Your exact rate is confirmed in your offer before you sign anything.
Why might an application be rejected?
Usually when monthly repayments would strain your income. If rejected, we'll tell you why — and you can reapply when things improve.
Can I apply again after a rejection?
Yes — you can reapply after 3 months, or sooner if your income or commitments have changed.