We think you should know exactly what a loan will cost, and whether you can afford it, before you agree to it. Everything we do starts from that.
Rates are shown per year on the reducing balance. Your adviser sends your rate, monthly instalment and total interest before anything is signed. No processing or admin fees, nothing deducted from your payout, and no penalty for settling early.
We look at your income and existing repayments before suggesting an amount, and we'll suggest borrowing less, or not borrowing, if the instalment would stretch you. If you're struggling with debt, we'll point you to AKPK's free counselling.
Your adviser handles your application on WhatsApp from our official number, records your repayments and reminds you before due dates. We never ask for money upfront, one-time passwords or your banking login. Your data is handled under the Personal Data Protection Act 2010.
Promises you can check. Each one is set out in more detail on another page of this website, so you can see exactly what we mean and hold us to it.
Your adviser sends your rate, monthly instalment and total interest on WhatsApp before anything is signed. Rates are shown per year on the reducing balance.
Set out in Rates & fees
We charge no processing or admin fees. The loan amount in your agreement is the amount paid into your own bank account.
Set out in Rates & fees
You pay the outstanding principal plus interest only up to the day you settle. Partial prepayments of at least RM 1,000 lower your instalment and keep the same end date.
Set out in Your loan agreement explained
Applying doesn't commit you to borrow. You don't have to accept any offer, and you can walk away at any time before you sign without paying anything.
Set out in Responsible lending
You repay by bank transfer, FPX or JomPAY to the company account stated in your loan agreement, never to a personal account. If anyone asks otherwise, it isn't us.
Set out in Your loan agreement explained
We never ask for a one-time password, your banking login or money upfront, and this website never asks for your IC number. Advisers only message you from our official WhatsApp number.
Set out in How to know it's really us
Making a complaint costs nothing and won't affect how we treat your application or loan. If you're not satisfied with our final answer, you can escalate to KPKT.
Set out in Complaints
Your personal data is handled under the Personal Data Protection Act 2010, and you can ask to see or correct the data we hold about you.
Set out in Privacy policy
Your loan is made by our licensed lending partner, a moneylender licensed by KPKT under the Moneylenders Act 1951. The partner checks your CCRIS and CTOS records with your consent, signs the loan agreement with you, verifies your MyKad and pays the money into your own bank account. AXAI Credit runs the website and the adviser service that takes you from application to repayment.
Loans are provided by Wawasan Cojaya Sdn. Bhd. (201401047621 / 1123810-P), licensed under the Moneylenders Act 1951 (KPKT licence no. WL6646/14/01).
Working adults and small business owners in Malaysia with a steady income, who want to know the full cost before they borrow.
For an SME Business Loan, the business must be registered with SSM for at least 1 year.
Our guides and calculators are there to help you understand borrowing before you commit. We lend money, so we hold ourselves to a few rules when we write about it.
Every RM example is calculated with the same formulas as our loan calculator, using our published rates.
Figures are recalculated, links tested and wording compared with our actual products and process.
Our guides say when a bank, a cooperative or not borrowing at all may suit you better.
No invented customer stories, reviews, ratings or statistics, and no paid placements.
The pages that explain, in detail, how you're protected when you borrow through us.
Work out your monthly repayment first with our calculator. Your adviser confirms your rate before you sign, and applying doesn't commit you to borrow.