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A clear lending process

How It Works, Simple & Clear.

Apply, get assessed, receive a written offer, sign an attested agreement and get paid by bank transfer.

6 steps

How It Works: Your Loan, Step by Step

A transparent process from start to finish, with real people at every step.

1

Apply

Fill in the form or WhatsApp us with your basic details. Our officer contacts you within 5 minutes during office hours.

2

Send Your Documents

Send your MyKad, proof of income and bank statements through our official channels only.

3

We Assess

We check your ability to repay, existing commitments and credit record with your consent.

4

Written Offer

If we can lend, you get a written offer showing the amount, interest rate, instalment and total repayable.

5

Attested Agreement

If you are eligible, our officer meets you face to face to sign the agreement in the prescribed form, before an independent attestor who explains the terms. It is stamped and you get a copy. You can check our licence on the KPKT website.

6

Payout

The money is transferred to a bank account in your name. Repayments go only to our company account.

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Before you start

Information That Helps Us Help You

You don’t need to prepare everything. The more you share, the easier it is for our team to understand your needs.

Honest and transparent

What You Should Know

No Guaranteed Approval

Every application is assessed. We never promise approval before reviewing your details.

Costs Stated Upfront

Interest is up to 18% a year (unsecured) or 12% (secured). Apart from interest, you only pay stamp duty, fees payable by law and legal costs.

No Upfront Fees

Applying is free. We never ask you to transfer money as a processing fee or deposit to release a loan.

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Ready to Apply?

Fill in the form and our officer will contact you within 5 minutes during office hours (Mon–Fri, 9:00am – 6:00pm).