Frequently Asked Questions

Applicants must:

• Be Malaysian citizens aged 18 and above
• Have a regular income or a legitimate business
• Have supporting documents such as payslips, bank statements or a business licence

We also consider applications from people with CTOS/CCRIS/Blacklist records.

We offer interest from 18% per year (1.5% per month) for personal and business loans, depending on approval and the loan amount.

No! We do NOT charge any upfront fee. All fees are only charged after your loan is approved and the agreement is officially signed. This is part of our commitment to transparent and legal operations.

Your loan is processed and you get a decision within 2 hours of us receiving complete documents. Sometimes it is even faster, depending on the case and loan type.

For individuals:

• Copy of IC (front & back)
• Latest 3 months payslips
• Latest 3 months bank statements
• Utility bill (if requested)

For businesses:

• Business licence / SSM
• Company bank statements
• Sales records / statement of accounts (if any)

The loan amount depends on the loan type, your needs and your ability to repay. Usually:

• Personal Loan: RM1,000 to RM50,000
• Business Loan: RM5,000 to RM300,000
• Debt Consolidation: based on your existing debts

Yes. We take client confidentiality very seriously. Your personal data is only used to process your loan and will not be shared with third parties without your permission.