Why Choose Our Personal Loans?
Lightning Fast Approval
Get preliminary approval within 2 hours. Our advanced AI-powered system processes your application instantly, 10x faster than traditional banks.
Competitive Interest Rates
Enjoy low interest rates starting from 6.5% p.a. We offer the most competitive rates in the market with no hidden fees or charges.
Flexible Repayment Terms
Choose from 12 to 84 months repayment period. Customize your monthly payments to fit your budget and financial goals.
Secure & Transparent
Licensed by Bank Negara Malaysia. Your data is encrypted and protected with bank-level security. 100% transparent pricing.
Minimal Documentation
Just IC, payslip, and bank statements. No guarantor required. 100% online application with digital document upload.
Dedicated Support
24/7 customer support team ready to assist you. Get expert advice on choosing the right loan package for your needs.
Key Features
No Collateral Required
Unsecured personal loans - no need to pledge assets
Early Settlement Discount
Save on interest with early repayment options
Instant Disbursement
Funds transferred to your account within 24 hours of approval
Top-Up Facility
Existing customers can apply for additional loans easily
How It Works
Apply Online
Fill out our simple 3-minute online application form with your basic details and financial information.
Upload Documents
Submit your IC, latest payslip, and 3 months bank statements digitally through our secure platform.
Get Instant Decision
Our AI system evaluates your application in real-time. Receive preliminary approval within 2 hours.
Sign Agreement
Review and e-sign your loan agreement online. No need to visit any branch or print documents.
Receive Funds
Loan amount disbursed directly to your bank account within 24 hours of agreement signing.
What Can You Use Personal Loans For?
Wedding Expenses
Make your dream wedding a reality without financial stress
Education & Training
Invest in yourself with courses, certifications, or higher education
Home Renovation
Upgrade your living space with home improvements
Medical Expenses
Cover unexpected medical bills or planned procedures
Business Capital
Kickstart your business or expand operations
Debt Consolidation
Combine multiple debts into one manageable payment
Eligibility Requirements
Required Documents
- Copy of NRIC (front and back)
- Latest 3 months payslips
- Latest 3 months bank statements
- EPF statement (optional)
- Employment confirmation letter
- Proof of residence (utility bill)
All documents can be uploaded digitally through our secure platform. No physical copies needed!
Loan Calculator
Estimate your monthly repayment
Frequently Asked Questions
How long does it take to get approved?
Preliminary approval takes just 2 hours. Final approval and disbursement typically completed within 24-48 hours after document verification.
What is the maximum loan amount I can apply for?
You can apply for loans from RM 5,000 up to RM 200,000, subject to eligibility and credit assessment.
Can I settle my loan early?
Yes! We encourage early settlement and offer attractive discounts on interest charges for early repayment.
Is there a processing fee?
Yes, there is a one-time processing fee of 2% of the loan amount, capped at RM 500.