Terms & Conditions

01Use of this website

The content on this site is for general information only and does not constitute a loan offer. Calculator results are estimates — your actual terms are those set out in your loan agreement. We may update the site and these terms from time to time.

02Eligibility

To apply, you must:

• Be a Malaysian citizen aged 21 or above
• Have a steady monthly income
• Provide a contactable phone number and email address

Meeting these criteria does not guarantee approval. Every application is assessed under our responsible-lending policy.

03Applications and approval

Submitting an application is not a loan offer or acceptance. We may ask for supporting documents or clarification. If approved, the binding terms are those in your written loan agreement, which we will explain to you before you sign.

04Interest, fees and charges

Interest and charges are set out in your loan agreement and our Product Disclosure Sheet, within the limits of the Moneylenders Act 1951. There are no fees outside those documents.

05Your obligations

When you apply for or hold a loan with us, you agree to:

• Provide true, accurate and complete information
• Make repayments on time as agreed
• Tell us promptly if your contact details or financial situation change

06Limitation of liability

This website is provided on an “as is” basis. To the extent permitted by law, we are not liable for indirect or consequential loss arising from use of this site. Nothing in these terms excludes liability that cannot be excluded under Malaysian law.

07Governing law

These terms are governed by the laws of Malaysia and any dispute is subject to the jurisdiction of the Malaysian courts. If there is any inconsistency between language versions, the English version prevails.