Modern Credit for Malaysia
Fast, transparent, and responsible private credit solutions designed for Malaysians.
Our Partners
Financial Solutions
Built for Malaysia
Comprehensive financial services designed to help businesses and individuals thrive in Malaysia's dynamic economy
View All Solutions
Personal & Business Loans
Fast • Transparent • Flexible
Powered by OPG Capital Holdings Sdn Bhd
Get the financing you need with our AI-powered lending platform. Whether it's personal loans for life's important moments or business loans for growth and expansion, we provide fast, transparent solutions designed for Malaysians.
Earned Wage Access
Instant • Flexible • Employee Benefits
Access your earned wages before payday with our innovative employee benefit solution. Help your workforce manage cash flow better while reducing financial stress and improving productivity.
Private Credit Investments
Secured • High Returns • Monthly Income
Powered by Al-Kathiri Koperasi Berhad
Access exclusive private credit opportunities with competitive returns. Our investment platform connects you with carefully vetted borrowers, offering steady monthly income with security-backed investments.
Credit Analytics
Comprehensive • Instant • Verified
Powered by CTOS and SSM e-Info
Get comprehensive credit reports and business verification services powered by CTOS and SSM data. Make informed decisions with detailed analytics and real-time credit monitoring.
Credit Builder
Build • Improve • Monitor
Build and improve your credit score with our zero-interest credit building program. Perfect for individuals and businesses looking to establish or rebuild their credit history in Malaysia.
50 Million Reasons
to Trust Us
We've helped thousands of Malaysian businesses & individuals grow with over RM 50 million in loans funded. Our track record speaks for itself — transparent, fast, and reliable financial solutions.
Digital First
Experience
Experience the future of finance with our AI-powered platform. From instant credit decisions to real-time dashboard insights, everything is designed for speed and transparency.
AI-Powered Credit Decisions
Get instant loan approvals with our advanced machine learning algorithms
Real-Time Dashboard
Track your loans, payments, and financial health in one unified platform
100% Digital Process
From application to disbursement, everything happens online in hours
The kredit.my Difference
Every feature designed with transparency, speed, and security in mind
100% Transparent
No hidden fees, no surprises. Every rate, term, and condition is clearly explained upfront
Lightning Fast
24-48 hour approval process with instant credit decisions and same-day disbursement
KPKT Licensed
Lending products offered by OPG Capital Holdings Sdn. Bhd. under KPKT License WL3337/07/01-9/020223
AI-Powered Credit
Advanced algorithms ensure fair, fast, and accurate loan assessments for better outcomes
SKM Licensed
Investment products offered by Koperasi Al-Kathiri Berhad under SKM License [License Number]
Local Expertise
Malaysian team with deep understanding of local business needs and market conditions
What Our Customers
Say About Us
Real stories from Malaysian businesses and individuals who have experienced the kredit.my difference
"The loan approval process was incredibly fast. Within 24 hours, I had the funds to expand my restaurant. The team was professional and transparent throughout."
Ahmad Rahman
Restaurant Owner, Kuala Lumpur
"Needed funds for my daughter's university fees. The application was completely online and stress-free. No hidden charges, exactly as promised."
Siti Nurhaliza
Teacher, Selangor
"PayAdvance helped me during an emergency without waiting for payday. The fees are fair and transparent. Great employee benefit!"
Raj Kumar
Software Engineer, Penang
"Consistent monthly returns from my private credit investments. The platform is secure and the team provides excellent support."
Lim Wei Ming
Investor, Johor Bahru
"The CTOS credit report was instant and comprehensive. Helped me understand my credit position before applying for a business loan."
Fatimah Abdullah
Business Owner, Sabah
"My credit score improved significantly after 6 months with the Credit Builder program. The monthly tracking kept me motivated."
David Tan
Fresh Graduate, Kuala Lumpur
Ready to get started?
Join thousands of Malaysians who trust kredit.my for their financial needs