A real adviser, not a bot
Your adviser usually replies within 1 working hour, checks your documents with you and explains your offer line by line.
Loans from a KPKT-licensed moneylender
Know the full cost
before you borrow
Tell us how much you need and what it's for. It takes about 3 minutes. An adviser then messages you on WhatsApp, usually within 1 working hour, and confirms your rate and monthly instalment before anything is signed.
No fees taken from your payout. Settle early with no penalty.
- Rates shown per year4.9% p.a. for every period, on the reducing balance
- Up to RM 100,000Personal loans over 3 to 108 months
- Can be paid the same dayInto your own account, after you sign
- No obligation to borrowSee your instalment before you decide
Paid straight into your own account
Your loan is transferred to a bank account in your own name. We pay out to Malaysian banks such as:
Our loans
in four numbers
- RM 300K
- Highest amount, for SME loans
- 108months
- Longest repayment period
- RM 0
- Processing or admin fees
- 18%
- Rate cap on unsecured loans
Do the maths first,
then decide
Move the amount and period to see the monthly instalment, the total interest and how much of each payment goes to principal. The calculator doesn't check your credit, and your adviser confirms your amount and instalment before you sign. Every approved customer pays 4.9% p.a.
- No processing, service or admin feesNothing is deducted from your payout
- No early settlement penaltyInterest stops on the day you settle
- Late charges written into your agreementAnd your adviser reminds you on WhatsApp before each due date
Plan before you borrow
Free calculators and guides that use the same formulas as our offers. Nothing you enter is saved.
Apply online, finish on WhatsApp
No branch visit and no app to install. The website takes your application; a named adviser handles the rest with you on WhatsApp.
Simple repayments
Pay by bank transfer, FPX or JomPAY. Settle early at any time with no penalty: interest stops on the day you settle.
Your details, protected
Encrypted in transit over HTTPS and handled under Malaysia's PDPA. Your credit is checked only after you apply, with your consent.
What people borrow for,
and what it costs
1 / 5
Home renovation
Pay the contractor in one go. RM 20,000 over 12 months at 4.9% p.a. is RM 1,711.23 a month.
Up to RM 100,000
2 / 5
Business stock
Stock up before a busy season and repay from sales. RM 50,000 over 12 months at 4.9% p.a. is RM 4,278.08 a month.
Up to RM 300,000
3 / 5
Education
Course and college fees not covered by PTPTN or a scholarship, repaid monthly.
3 – 108 months
4 / 5
Travel
A family trip, paid off over a few months. Keep the period short so interest stays low.
Settle early anytime
5 / 5
Medical and dental
Treatment, braces or implants your insurance or takaful doesn't cover.
Can be paid the same dayFour steps from form to payout
Tap each step to see it on your phone. What you'll need
Choose the loan that suits you
Repaying monthly over months or years, or in one go within weeks? That's the main choice. Not sure? Your adviser will suggest one based on what the money is for.
Personal Loan
One lump sum for a planned expense, repaid in equal monthly instalments over 3 to 108 months.
4.9%p.a., every term
- Borrow RM 1,000 – 100,000
- 3 – 108 months, equal monthly instalments
SME Business Loan
Working capital for stock, equipment or a busy season, repaid monthly over 6 to 108 months.
4.9%p.a., every term
- Borrow RM 5,000 – 300,000
- 6 – 108 months, equal monthly instalments
Short-term Loan
For a gap of days or weeks. Pay interest only for the days you use, then repay in one go.
0.0136%per day (4.9% p.a.)
- Borrow RM 500 – 10,000
- 7 – 90 days, daily interest
Who can apply?
Malaysian citizens and permanent residents aged 21 to 60 with a steady income and a Malaysian bank account in their own name. For the SME Business Loan, your business must be registered with SSM for at least 1 year.
How long does it take to get an offer?
The form takes about 3 minutes. After you submit, send us the ready-made WhatsApp message and your adviser usually replies within 1 working hour to go through your details. Your offer is confirmed after our licensed lending partner has checked your credit record with your consent. If something needs checking further, such as an extra income document, it takes longer, and your adviser will tell you exactly what's needed. Once you sign, payout can be the same day, but the timing isn't guaranteed.
Is my loan approved when I submit the form?
No. The website only collects your application. Your adviser confirms your identity and your offer on WhatsApp, and nothing is final until you sign the agreement with our licensed lending partner, where your MyKad is verified. You can still say no at that point at no cost.
What documents do I need?
If you're salaried: your last 3 months' payslips, or 3 months of bank statements showing your salary, and optionally your EPF statement. For a Short-term Loan, your latest payslip or a recent bank statement showing your income is usually enough. If you're self-employed or a gig worker: several months of bank statements, plus platform or e-wallet earnings statements, SSM registration or your Borang B if you have them. For the SME Business Loan: SSM registration and the last 6 months' business bank statements. Your MyKad is verified when you sign. We don't ask for your IC number on the website, and you should send documents only to our official WhatsApp number.
I'm self-employed or a gig worker. Can I apply?
Yes, if you have a steady income. Without a payslip, your income is assessed from other evidence: bank statements showing regular earnings, platform statements from apps such as Grab, Foodpanda or Shopee, and your SSM registration or Borang B if you have them. Having your earnings paid into one account you use consistently helps. Our blog post 'Self-employed or a gig worker? How to apply for a loan with confidence' explains what to prepare.
Apply in about 3 minutes
Work out your monthly repayment first with our calculator. Your adviser confirms your rate before you sign, and applying doesn't commit you to borrow.