Your Loan
Specialist.
We help you secure your ideal personal loan within minutes. Compare 10+ Shariah-compliant and conventional financing options from Malaysia's top banks and cooperatives - with zero upfront cost.
Loan Matching Journey
Coverage
7
financing categories
Service
100%
free to check
Journey
A-Z assistanceCheck eligibility
Tell us your loan amount, employment type and financing needs.
Compare suitable options
Review products across personal loans, instalment plans and SME financing.
Submit documents
Prepare your IC, income documents and bank statement for review.
Get consultant assistance
A dedicated consultant guides your application from start to finish.
Prepare
10+
Financing partners
7
Loan products offered
24 hrs
Fastest approval turnaround
100%
Free service, no upfront fees
Estimate your
monthly repayment.
Move the sliders to see what your monthly commitment could look like. Clear, upfront, and easy to understand — no fine print.
Estimate uses flat-rate calculation: loan amount x annual rate x years, then divided by total months. Final rates depend on your credit profile and chosen financier.
Monthly Repayment
RM 438
Financing built for
every need.
Whether you are a civil servant, private sector employee, car owner, or business owner — there is a plan designed for your situation.
Bank & Koperasi Personal Loans
For civil servants. Enjoy competitive rates from 2.82% p.a. with approval as fast as 2 working days.
Licensed Money Lender Personal Loans
No upfront payment or ATM card required. Approval as fast as 24 hours.
Auto Service Instalment Plan
For car owners. Service your car now and pay later with Shariah-compliant financing up to RM 5,000.
Car Takaful Instalment Plan
Renew your car takaful now and split payments into fixed monthly instalments.
Gadget Repair Instalment Plan
Fix your phone, tablet, or laptop now and pay later over flexible monthly payments.
Medical Instalment Plan
Get treatment first and pay later at participating healthcare providers.
SME Micro Financing
For registered business owners who need working capital without upfront fees or collateral.
From application
to disbursement.
Check Your Rate
Find out if you qualify for a loan in a matter of minutes. No commitment, no impact on your credit score.
Submit Documents
Once qualified, upload your identity and income documents through the most convenient method for you.
Verify & Accept Offer
Receive a call from your chosen financier to verify details. Review and accept the financing terms.
Get Your Money
Sit back and watch the cash roll into your bank account — as fast as 24 hours after approval.
Not sure whether you're eligible to borrow?
Find My RatesOur Promise to You
Always 100% free.
No hidden fees. Ever.
We earn from our partner banks and financiers — not from you. That means zero service charges, zero processing fees, and zero surprises. Just honest, transparent loan matching.
Licensed & Regulated Partners
We only work with Bank Negara Malaysia-licensed banks, cooperatives, and KPKT-licensed moneylenders — never illegal lenders.
Your Data Stays Private
Your personal information is encrypted and securely handled. We never share your data without your explicit consent.
Zero Cost, Zero Pressure
Our service is completely free with no obligation. You decide if and when to proceed — no pushy sales, ever.
A simpler way
to borrow money.
We built PromptPay2U to make personal financing stress-free, transparent, and accessible for every hardworking Malaysian. Here is what drives us.
You Come First
We put your needs above everything else. Our recommendations are based on what suits you best — not what pays us most.
Honesty Always
No hidden charges, no fine print, no surprises. What you see is exactly what you get — transparent rates and straightforward advice.
Guided Every Step
Our dedicated loan consultants walk you through the entire process — from eligibility check to receiving your funds.
Simple & Modern
We believe borrowing money should not be complicated. Our digital-first approach makes financing fast and effortless.
