From application to payout in four steps

The website only takes your application, about 3 minutes. Nothing is approved online. An adviser then picks it up on WhatsApp, usually within 1 working hour, checks your documents and confirms your offer. You sign with our licensed lending partner, and the money goes to your own bank account, which can be the same day you sign.

Start my application
How long it takes
  1. 1Fill in the formAbout 3 min
  2. 2Chat with your adviser on WhatsAppUsually within 1 working hour
  3. 3Confirm your offerOnce your documents are checked
  4. 4Sign and get paidCan be the same day
Typical times, not guaranteed. It takes longer if a document is missing or needs checking.

What happens at each step

Who does what, what you'll need, and what won't happen, so nothing comes as a surprise.

  1. Fill in the form

    About 3 min
    You
    • Choose the amount, period and purpose.
    • Enter your name, WhatsApp number, job and monthly take-home income.
    We
    • Show you a ready-made WhatsApp message with your application reference.

    No IC number, no documents and no credit check at this stage. Submitting doesn't commit you to borrow.

  2. Chat with your adviser on WhatsApp

    Usually within 1 working hour
    You
    • Send the ready-made message from the number you entered.
    • Confirm your full name as on your MyKad, and send your payslips or bank statements as photos or PDFs.
    We
    • Your adviser replies, usually within 1 working hour, and checks your details.
    • With your consent, our licensed lending partner checks your CCRIS and CTOS records.

    We never ask for your online banking password, an OTP or TAC code, or any fee.

  3. Confirm your offer

    Once your documents are checked
    You
    • Check the amount, rate, monthly instalment and total interest.
    • Ask anything you like, then reply to accept, or say no at no cost.
    We
    • Send you the offer in writing on WhatsApp.
    • If we can't approve your application, your adviser usually tells you the main reason.

    Nothing is final until you sign.

  4. Sign and get paid

    Can be the same day
    You
    • Read the loan agreement and sign it with our licensed lending partner.
    • Have your MyKad verified when you sign.
    We
    • Our licensed lending partner pays the full amount into your own bank account, which can be the same day you sign.

    Nothing is deducted from the amount you receive, and the money only goes to an account in your own name.

What you'll need for each loan

Have these ready as photos or PDFs to send on WhatsApp. Salaried applicants usually need payslips; self-employed applicants and businesses need bank statements that show regular income. The SME Business Loan also needs your SSM registration.

Personal Loan

  • Your MyKad, verified when you sign with our licensed lending partner (this website never asks for your IC number)
  • A Malaysian bank account in your name, for the payout and your repayments
  • A mobile number in your name that you use for WhatsApp
  • Salaried: your latest 3 months' payslips, or bank statements showing your salary coming in
  • Self-employed or gig worker: your latest 3 months' bank statements showing regular income, plus platform earnings statements if you drive or deliver
  • Helpful if you have it: your latest Borang BE or Borang B (LHDN e-Filing) and your EPF (KWSP) statement, which show a longer income history

SME Business Loan

  • MyKad of the owner, partners or directors, verified at signing
  • SSM registration: business profile for a sole proprietorship or partnership, company profile for a Sdn Bhd
  • A business bank account, or the owner's personal account if sales are paid into it
  • Your latest 6 months' business bank statements (or the owner's, if that's where sales go)
  • Sole proprietorship or partnership: your latest Borang B or Borang P, if you've filed one
  • Sdn Bhd: your latest management accounts or audited accounts, if available
  • Helpful: the tenancy agreement for your premises, and quotes or invoices for what you're buying

Short-term Loan

  • Your MyKad, verified when you sign with our licensed lending partner (this website never asks for your IC number)
  • A Malaysian bank account in your name, for the payout and your repayment
  • A mobile number in your name that you use for WhatsApp
  • Salaried: your latest payslip, or 1 month's bank statement showing your salary
  • Self-employed or gig worker: recent bank statements or platform earnings statements showing regular income

Your MyKad is verified only when you sign, by our licensed lending partner. This website never asks for your IC number, and we never send you SMS or one-time passwords (OTP).

Tips for a smoother application

Enter your income as it appears on paper

Use the take-home figure on your payslip or bank statement. If the numbers match, there's less to clarify and your offer can be confirmed sooner.

Send the WhatsApp message

After you submit, tap to send the ready-made message from the number you entered. It carries your reference, so your adviser can find your application straight away.

Check what you can afford first

Add up all your monthly debt repayments, including the new one. Our affordability calculator treats keeping them within 40% of take-home pay as comfortable.

Use official channels only

Apply only on this website or our official WhatsApp number. Never pay anyone before your payout. A fee to "guarantee approval" is a scam.

After you're paid

Repaying is straightforward, and you can settle early whenever you like.

Repay each month

Pay by bank transfer, FPX or JomPAY to the lender's official account shown in your agreement, never a personal account, and send the receipt to your adviser.

Reminders on WhatsApp

Your adviser reminds you before each due date, so you don't have to keep track on your own.

Settle early, no penalty

Pay the outstanding principal plus interest up to that day. A partial prepayment of RM 1,000 or more lowers your monthly instalment.

Early settlement calculator

Tell us early if it gets hard

Message your adviser before the due date, not after. Paying part of an instalment on time is better than missing all of it.

What we'll never ask for

  • Your IC number on this website
  • An OTP or TAC code
  • Your online banking password
  • A fee before payout
  • A payment into a personal account

If anyone asks you for these in our name, it isn't us. How to know it's really us

Questions about the process

See all FAQs

How long does it take to get an offer?

The form takes about 3 minutes. After you submit, send us the ready-made WhatsApp message and your adviser usually replies within 1 working hour to go through your details. Your offer is confirmed after our licensed lending partner has checked your credit record with your consent. If something needs checking further, such as an extra income document, it takes longer, and your adviser will tell you exactly what's needed. Once you sign, payout can be the same day, but the timing isn't guaranteed.

Is my loan approved when I submit the form?

No. The website only collects your application. Your adviser confirms your identity and your offer on WhatsApp, and nothing is final until you sign the agreement with our licensed lending partner, where your MyKad is verified. You can still say no at that point at no cost.

What if my application is declined?

Your adviser will usually tell you the main reason. Common ones are that the instalment would be too large a share of your income, or that the amount is high for your current income. Borrowing less, choosing a longer term, or paying down existing debts can help, and you can apply again when your situation changes. You can also chat with us on WhatsApp about your options.

Can someone apply on my behalf?

No. You must apply, sign and receive the money in your own name. Anyone who charges a fee to "guarantee approval" or "apply for you" is running a scam.

Apply in about 3 minutes

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.

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