Our Loan Products
Find the perfect loan solution tailored to your needs
Whether you need cash for emergencies, debt consolidation, home renovation, or personal goals, Mudah Credit has flexible loan options with competitive rates starting from 4.88% p.a.
Personal Loan
For Any Purpose
Our most flexible loan product. Use it for any legal purpose - from wedding expenses to travel, business capital to education.
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Key Features
- No collateral required
- Flexible repayment up to 9 years
- Competitive interest rates from 4.88%
- Fast approval within 2 hours
- Transparent fees with no hidden charges
- 100% online application process
Requirements
- •Malaysian citizen or PR aged 21-65
- •Minimum monthly income RM 1,500
- •At least 6 months employment history
- •Good credit record (CTOS score 650+)
- •Valid identification and income proof
Benefits
- ✓Use for any legal purpose
- ✓No penalty for early settlement
- ✓Same-day disbursement available
- ✓Dedicated customer support
- ✓Flexible monthly payment options
Debt Consolidation Loan
Simplify Your Finances
Combine multiple debts into one easy monthly payment. Lower your interest rate and reduce financial stress.
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Key Features
- Consolidate up to 10 debts
- Potentially lower interest rates
- Single monthly payment
- Improve credit score over time
- Free debt consultation
- Savings calculator included
Requirements
- •Currently have 2 or more active debts
- •Total debt not exceeding RM 300,000
- •Stable income with DSR below 70%
- •No active bankruptcy proceedings
- •6 months current employment
Benefits
- ✓Save up to 40% on interest
- ✓Reduce monthly payments by 30-50%
- ✓One payment instead of many
- ✓Clear debt faster
- ✓Reduce financial stress
Emergency Cash Loan
Fast Cash When You Need It
Unexpected expenses? Get quick access to cash for medical emergencies, urgent repairs, or unforeseen bills.
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Key Features
- Ultra-fast approval in 1 hour
- Same-day fund disbursement
- Minimal documentation required
- Short-term flexible options
- No usage restrictions
- 24/7 application available
Requirements
- •Malaysian citizen aged 21-60
- •Minimum income RM 1,500/month
- •At least 3 months employment
- •Valid bank account
- •Contactable phone number
Benefits
- ✓Get cash within hours
- ✓No questions asked on usage
- ✓Flexible short-term repayment
- ✓Minimal paperwork
- ✓Weekend applications accepted
Home Renovation Loan
Transform Your Living Space
Upgrade, repair, or renovate your home. From kitchen remodeling to full house renovation projects.
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Key Features
- Large loan amounts up to RM 200k
- Long repayment up to 7 years
- Competitive rates for homeowners
- Flexible drawdown options
- Progress payment facility
- Free renovation budgeting tool
Requirements
- •Own or co-own a property in Malaysia
- •Property valuation documents
- •Renovation quotations/invoices
- •Stable employment minimum 1 year
- •Good credit history
Benefits
- ✓Increase property value
- ✓Tax-deductible interest (consult advisor)
- ✓Flexible fund disbursement
- ✓No collateral required
- ✓Support local contractors
Education Loan
Invest in Your Future
Fund your higher education, professional courses, certifications, or skill development programs.
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Key Features
- Lowest rates from 4.88%
- Extended repayment up to 10 years
- Grace period available
- Covers tuition, living expenses, materials
- Parent or student application
- No payment during study period option
Requirements
- •Admission letter from recognized institution
- •Malaysian citizen or PR
- •Guarantor (for students under 21)
- •Course fee breakdown
- •Academic transcripts
Benefits
- ✓Invest in career advancement
- ✓Flexible repayment after graduation
- ✓Competitive education rates
- ✓Covers international courses
- ✓Build credit history early
Medical Loan
Healthcare Financing Made Easy
Cover medical expenses, surgeries, dental procedures, or healthcare treatments without insurance limitations.
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Key Features
- Fast approval for urgent medical needs
- Cover procedures not insured
- Flexible repayment terms
- Direct payment to healthcare providers
- No medical underwriting required
- Covers cosmetic and elective procedures
Requirements
- •Medical quotation or invoice
- •Doctor referral or prescription
- •Malaysian citizen aged 21-65
- •Proof of income
- •Valid identification
Benefits
- ✓Access quality healthcare immediately
- ✓No insurance claim hassles
- ✓Cover family medical expenses
- ✓Affordable monthly payments
- ✓Peace of mind for health emergencies
Why Choose Mudah Credit Loans?
Licensed & Regulated
Fully licensed financial service provider regulated by Malaysian authorities
Competitive Rates
Interest rates from 4.88% - among the lowest in Malaysia
2-Hour Approval
Get preliminary approval within 2 hours of application
Free Tools
Use our loan calculators and comparison tools at no charge
How It Works
Choose Your Loan
Select the loan product that matches your needs and calculate your monthly payment
Apply Online
Fill out our simple online form in 5 minutes. Upload required documents.
Get Approved
Receive preliminary approval within 2 hours. We'll verify your details.
Receive Funds
Sign agreement online and get funds transferred to your bank same day