Personal loans made simple for Malaysians
Borrow RM1,000 – RM100,000 with transparent rates and funds in as fast as 24 hours.
- ✓ Rates from 3.88% p.a.
- ✓ Secure application
- ✓ All credit histories welcome
RM100k
maximum loan amount
3 min
online application
3.88%
rates from, p.a.
24hr
fastest payout
Funds sent straight to your account at any major Malaysian bank
Three steps to funded
No branch visits, no piles of paperwork — just a simple process built around your day.
Step 1
Apply online
Tell us how much you need and a little about yourself. It takes about 3 minutes.
Step 2
Quick review
We call you back the same business day to confirm details and your rate.
Step 3
Receive your funds
Sign your offer and get the money in your account in as fast as 24 hours.
What will you use it for?
Here's all you'll need
NRIC (MyKad)
front and back
Income proof
3 months payslips or bank statements
Active bank account
for disbursement
Aged 21–60
income from RM1,500/month
Why borrow with us
| Feature | MyLoanCredits | Banks | Other lenders |
|---|---|---|---|
| Decision speed | Same day | Days to weeks | Varies |
| Paperwork | 3 documents | Extensive | Varies |
| Early settlement fee | None | Sometimes | Often |
| Total cost shown up front | Always | On request | Not always |
Repay Rewards
Get 0.5% back, every time you pay on time
A loan that rewards you for good repayment — something we haven't seen another Malaysian lender offer. Every on-time monthly payment earns 0.5% cashback, automatically.
- Tracked automatically — nothing to claim, no vouchers
- Paid straight to your bank when the loan completes
- Miss a month? You only skip that month's reward
Cashback terms in your loan agreement.
Built for situations like yours
Example scenarios, not customer reviews. See more examples →
3.88%
Rates from
p.a., confirmed before you sign
0.5%
Repay Rewards cashback
on every on-time payment
24 hr
Fastest payout
after signing
Calculate your repayments
Slide, pick, and see your estimated monthly payment — before you ever apply.
Estimated monthly repayment
RM626.73
- Estimated rate
- 8% p.a.
- Total interest
- RM2,562.18
- Total payable
- RM22,562.18
Estimate only, using a reducing-balance rate matched to your chosen profile. Your confirmed rate (3.88%–12% p.a.) and repayment are shown in writing before you sign. No early settlement penalty.
Good questions, straight answers
Borrow smarter
Plain-language money guides written for Malaysians.
Ready when you are.
Check your options in 3 minutes — no obligation.
Applying won't affect your credit score.