Personal Loan
Fast, Flexible Financing for Life's Important Moments
Get up to RM 150,000 for personal needs with competitive rates and flexible terms
Quick Approval
Get approved within 24 hours
Flexible Terms
6 to 24 months repayment options
No Collateral
Unsecured personal financing
Competitive Rates
From 1.0% monthly (collateralized)
How Personal Loan Works
A simple and transparent process to get the funds you need
Submit Application
Complete our simple online application with your personal details and required documents.
Quick Assessment
We review your application and personal financials within 24 hours.
Loan Approval
Upon approval, we'll prepare the loan agreement for your review and signature.
Fast Disbursement
Receive funds in your account within 24 hours after signing.
What You Can Use It For
Flexible financing for all your personal needs
Home Improvement
Renovate your home, upgrade appliances, or enhance your living space
Education
Fund your studies, courses, or your children's educational expenses
Medical Expenses
Cover medical treatments, procedures, or health-related costs
Vehicle Purchase
Buy a car, motorcycle, or make a down payment for your vehicle
Debt Consolidation
Combine multiple debts into one manageable monthly payment
Emergency Expenses
Handle unexpected expenses or urgent financial needs quickly
Loan Terms & Calculator
Calculate your monthly payments and see our transparent terms
Terms and Details
Loan Amount
RM 5,000 - RM 150,000
Interest Rate
1.0% monthly (collateralized)
1.5% monthly (uncollateralized)
Origination FeeOne-time fee for processing
3.0% of loan amount
Legal Fee
2.0% of loan amount
Repayment Term
6 to 24 months
Eligibility
Minimum monthly income of RM 3,000 with stable employment
Monthly Payment
Required Documents
Please prepare these documents to speed up your application process
Identity Documents
Copy of NRIC (front and back)
Bank Statements
Latest 3 months bank statements
Income Documents
Latest 3 months payslips or EPF statement
Employment Letter
Employment confirmation letter from employer
Frequently Asked Questions
Everything you need to know about Personal Loans
What is the maximum loan amount?
You can borrow up to RM 150,000 depending on your income and credit profile.
How long does approval take?
Most applications are approved within 24 hours of submission with complete documentation.
What documents do I need?
You'll need your IC, latest 3 months' payslips, bank statements, and EPF statement.
Can I repay early?
Yes, you can make early repayments without penalty charges to reduce your total interest cost.
Why Choose Our Personal Loans
Designed to meet your personal financial needs
Fast Processing
Quick approval process with minimal documentation required for your convenience
Secure & Reliable
Bank-level security with full regulatory compliance for your peace of mind
Flexible Terms
Choose repayment terms that fit your budget and financial situation
No Hidden Fees
Transparent pricing with all fees clearly disclosed upfront
Licensed Lender
Fully licensed by KPKT with proper regulatory oversight and consumer protection
Personal Support
Dedicated customer support team to help you throughout the loan process
Ready to Get Started?
Apply for your personal loan today and get the funds you need