Personal Loan
For planned and unexpected costs — medical bills, home repairs, school fees or clearing a credit card.
- Amount
- RM 50,000
- Period
- up to 108 months
- Flat rate
- 4.90% – 18.00%
A licensed loan, with every ringgit explained.
Loans from RM1,000 to RM100,000, from 4.9% a year for up to 108 months. See the full cost first, then do everything online — a short video call and an e-signature, no branch visit.
- KPKT-licensed, 100% online
- No upfront fees, ever
- No IC number on this website
RM 1,000RM 50,000
Your loan, itemised
Monthly instalment
RM 566.67
Final instalment: RM 566.59
| Where your money goes | RM |
|---|---|
| Amount you receive | RM 10,000.00 |
| Interest | RM 3,600.00 |
| Stamp duty | RM 50.00 |
- Total interest · Flat rate 18.00%
- RM 3,600.00
- Total you repay
- RM 13,600.00
Effective annual rate
31.46%
Estimate only. Your actual rate and instalment are confirmed after assessment and written in your Schedule J agreement. Borrow only what you can repay.
- 4.9%Flat rate from, a year
- Same dayUsual reply, next working day at the latest
- RM0Upfront fees, ever (RM)
- 3Languages we serve you in
Google reviews
4.8
from 1,200+ reviews
Our partner banks
Your loan is paid straight into your own account at any of these banks.
Rating and bank list shown are sample data and will be replaced before launch.
- Moneylending licence
- WL0000/10/01-0/000000
- Company no.
- 202401000000 (1500000-X)
- Regulated under
- Moneylenders Act 1951
- Registered office (no walk-in)
- Level 10, Menara Contoh, Jalan Contoh, 50450 Kuala Lumpur
Three loans, one honest way of pricing them
Every loan is quoted as a flat rate within the legal cap, with the effective annual rate shown beside it.
Salary Loan
For confirmed employees, with a lower rate band and repayments that fall on payday.
- Amount
- RM 30,000
- Period
- up to 108 months
- Flat rate
- 4.90% – 16.00%
SME Business Loan
For SSM-registered businesses that need working capital, stock or equipment.
- Amount
- RM 100,000
- Period
- up to 108 months
- Flat rate
- 4.90% – 18.00%
Why borrowers choose us
Licensed and checkable
Our KPKT licence is on every page — verify it before you call us.
Every ringgit in writing
Flat rate, effective rate, stamp duty and total repayable, before you sign.
Your IC stays off this website
Our form never asks for your IC. A licensed officer verifies you privately on a video call.
People who answer
A real loan officer calls or WhatsApps you, usually the same working day, in your language.
From enquiry to money in your account
All five steps happen online — no branch visit
- 1
Send an enquiry online
Loan, amount, period and how to reach you. No login, no IC number, no documents.
3 min
- 2
We call or WhatsApp you
From the official number on this site, quoting your reference. We explain the best loan and what to prepare.
Usually the same working day
- 3
Verify on a video call
Show your MyKad on camera and send documents via our official WhatsApp. We check the loan fits your budget.
15–20 min
- 4
e-Sign your Schedule J
We walk through every line on a call, you sign electronically, and it is stamped with LHDN.
When you're ready
- 5
Money in your account
Paid straight into a bank account in your own name.
Same or next working day
What a loan from us actually costs
You pay
- Interest at a flat rate of up to 18% a year, fixed for the whole loan
- Stamp duty of 0.5% of the loan amount, once, to LHDN
- Late interest of 8% a year — only on an overdue instalment, only if it is late
You never pay
- Processing, application or approval fees
- Insurance you didn't ask for
- Agent or 'introducer' commission
- Any payment before your loan is disbursed
Not sure which loan fits?
Answer three quick questions and we'll suggest a loan and a sensible starting amount.
Your suggestion appears here once you answer all three questions.
If someone asks you to pay first, it isn't a loan
Licensed lenders never charge before disbursement, never hold your ATM card and never ask for your TAC. Learn the ten warning signs in five minutes.
Read before you borrow
All guidesRates and costs
Flat rate vs effective rate: how to compare loans without getting caught out
Why a 12% flat rate costs closer to 21.6% a year, how to work out the real cost of any loan, and the two numbers to compare between lenders.
5 min read
Staying safe
Licensed moneylender or Ah Long? How to tell the difference in five minutes
What a licensed moneylender must do, how to tell a legal online lender from an Ah Long or loan scam, how to check a licence, and what to do if you're caught.
8 min read
Planning
How much can you safely repay each month? A practical guide to your debt-service ratio
Work out your debt-service ratio, see worked examples at three income levels, stress-test your budget, and understand why a lender may offer less than you ask.
5 min read
Questions people ask before they borrow
- Yes. We hold a moneylending licence issued by the Ministry of Local Government Development (KPKT) under the Moneylenders Act 1951. Our licence number is shown in the footer of every page, and you can check it against KPKT's list of licensed moneylenders before you share anything with us. KPKT allows licensed moneylenders to lend online as long as they verify your identity properly and use a Schedule J agreement, which is how we work.
- Because you shouldn't type it into a website you have just found. The enquiry form only needs your name and phone number to contact you, and it will never ask for your IC number, bank details or documents. Your identity is verified privately with a licensed officer on a video call, and documents are sent only through our official WhatsApp, which protects you from identity fraud.
- No. We never charge a 'processing', application, insurance or 'agent' fee before disbursement, and we never ask you to transfer money to 'unlock' or 'release' a loan. The only cost at signing is stamp duty of 0.5% of the loan amount, which goes to LHDN. It is shown in your agreement and deducted from the loan, never paid upfront. Anyone asking you to pay first is not us — report them to the police.
- We usually WhatsApp or call you the same working day you enquire, and at the latest the next working day. If your documents are complete when we verify you on the video call and you e-sign the agreement, the loan is usually disbursed to your bank account the same or the next working day. You never have to travel anywhere.
- A flat rate charges interest on the original amount for the whole loan. Because you repay part of the loan every month, the true yearly cost — the effective annual rate — is higher. For example, 12% flat over 24 months is about 21.6% effective. We show both for every quote, so you can compare us fairly with any lender.
- No. Sending the quote form does not trigger a credit check. We only check your credit report during your video verification, with your consent, if you decide to proceed.
Ready to see what you can borrow?
Send a three-minute enquiry and a licensed officer will call or WhatsApp you, usually the same working day and at the latest the next. Everything after that happens online too — no fee, no obligation and no branch visit.