Conventional Personal Financing

Do you face the following problems?

  1. My loan application has been rejected by the bank.
  2. I am waiting a long time but the loan has yet to be approved.
  3. I am worried I applied with an illegal finance provider.
  4. I am worried that there are unknown hidden charges.
  5. I am worried that I need to prepare a lot of documents.

Features and Benefits

  1. Fast approval within 3 working days.
  2. No processing fee.
  3. No early-settlement fee.
  4. Simple documents requirement.


  1. Malaysian citizens only.
  2. 18 to 60 years old.
  3. A minimum gross income of RM 1,000.00 is required.
  4. The minimum loan is RM 1,000.00 while the maximum is RM 50,000.00.

Documents Needed

Salaried employee

  1. Original identity card (front and back).
  2. Latest 3 months of salary slips/payslips.
  3. Latest 3 months of bank statements.
  4. Utility bills: electricity, water, etc.


  1. Original identity card (front and back).
  2. SSM.
  3. Latest 6 months of bank statements.
  4. Latest 3 months of personal bank statements.
  5. Latest utility bills (water or electricity).

Rates and Charges

Interest rate: 12% – 18% per annum.
No processing fee, no early settlement fee.
Note: All applicable taxes shall be payable by the customer (if any).


Payment Methods

You can choose a payment method that is most convenient for you: JomPAY, PayQuik or Direct Debit (e-Mandate).