Interest Rate
18% p.a.
Equivalent to 1.5% per month for unsecured personal financing, subject to the legal cap and lender approval.
Licensed Moneylender
Personal Loans
Check and apply for safe personal financing through licensed moneylender partners. No upfront payment, no ATM card holding, and approval can be as fast as 1 working day with complete documents.
Legal financing options
Consultant assistance
No upfront fees
How It Works
Available Amount
Up to RM 20,000
Best For
Salaried employees
Journey
3-step review 01
Check your requirements
Share your loan amount, employment details and basic profile.
02
Review licensed options
We help match you with safe licensed moneylender options.
03
Submit documents
Prepare your IC, income proof and bank details for review.
04
Get guided assistance
A consultant follows up and guides your application from A to Z.
Prepare
No ATM card holdingNo upfront paymentLegal partner reviewPersonalised assistance
100% FreeNo Hidden FeesNo ATM Card
Safe Personal Loans from Licensed Moneylender Partners
Legal Licensed Partners
We work with licensed moneylender partners regulated under the Moneylenders Act 1951, not illegal lenders.
No ATM Card Holding
Your ATM card stays with you. We do not support lenders who ask to keep your ATM card, IC, or personal belongings as security.
Fast Document Review
Approval can be as fast as 1 working day when your documents are complete and verification is successful.
Our Promise
Borrow with
clear support.
Applying for a loan can be stressful. We keep the process clear, guided, and free from upfront charges.
You Are Our Priority
We focus on your financing needs and only work with legal licensed moneylender partners.
Convenience
Our consultants guide you from eligibility checking to document submission and signing.
Transparent
You will know the rate, tenure, monthly repayment, and key charges before proceeding.
Free
Our service is 100% free. We do not collect upfront payment from customers.
Get your customised personal loan offers.
Check My EligibilityLoan Snapshot
Know the
key terms first.
Licensed moneylender financing is meant to be clear, regulated, and safer than dealing with illegal lenders. Final approval depends on affordability, documents, and partner assessment.
Loan Amount
RM 1,000 - RM 20,000
The final approved amount depends on affordability, income, commitments, and credit profile.
Loan Tenure
1 - 4 years
Flexible repayment tenure depending on lender policy and your monthly affordability.
Safety
No ATM card
No ATM card holding and no upfront payment are required before your application is processed.
Approval
As fast as 1 working day
Fast approval is possible when documents are complete and verification can be completed quickly.
partners.
20+ licensed partners
A wider partner network helps match different salary profiles and financing needs.
Why It Is Safer
Licensed lenders must follow legal rules.
- Licensed moneylenders are regulated by KPKT under the Moneylenders Act 1951.
- Unsecured personal financing is legally capped at 18% p.a.; secured financing is capped at 12% p.a.
- Loan agreements, repayment schedules, and key charges must be explained before signing.
- Approved legal and documentation fees, if applicable, are handled through the proper loan process rather than upfront cash collection.
What We Avoid
No risky collection practices.
- No ATM card holding.
- No upfront payment before checking your application.
- No keeping your IC, passport, bank card, or personal belongings as security.
- No unclear verbal-only arrangement without proper documentation.
Loan Eligibility
Check if
you qualify.
These are the common requirements for licensed moneylender personal financing. The exact offer may differ by partner.
Who Can Apply
- Malaysian citizen aged between 20 and 60 years old.
- Permanent job in the private or government sector.
- At least 3 months of working tenure.
- Minimum gross monthly fixed income from RM 1,500, including fixed allowances.
- Valid Malaysian bank account where salary is credited.
- No credit history or lower credit score can still be considered.
- Not bankrupt and able to afford the repayment.
What Helps Approval
- Payslips match the salary credited into your bank account.
- Bank statements are complete and readable.
- Existing commitments are manageable against your income.
- You can be contacted for verification during the application process.
- You provide accurate personal, employment, and contact details.
Documents
Prepare these before applying.
Complete documents help speed up assessment, approval, and disbursement after signing.
- NRIC copy, front and back.
- Latest 3 months payslips.
- Latest 3 months bank statements.
- Recent utility bill, such as water or electricity.
- Detailed EPF contribution statement.
- Additional documents if requested by the selected lender.
How to Apply
01
Tell us what you need
Share your loan amount, employment profile, income, and basic requirements.
02
Compare suitable options
We help match your profile with licensed moneylender partners that fit your affordability.
03
Submit documents
Prepare your IC, payslips, bank statements, utility bill, and EPF statement for review.
04
Get guided assistance
A consultant or lender officer follows up until agreement signing and disbursement.
FAQ
Common
questions.
Clear answers about legal lenders, rates, documents, approval time, and repayment.
