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Scammers often pretend to be lenders to steal money or banking details. This page explains how to recognise genuine contact from AXAI Credit, what our real messages look like, the red flags of a fake, how to check that an adviser and a lender are real, and what to do if you think someone is impersonating us.
1. Our official channels
We contact you only through the WhatsApp number and the hotline shown on our Contact page, and by email from the address listed there. These are the only official contact details for AXAI Credit. We don't send SMS or OTP codes, and there is no customer login or app.
Applications are made only on this website. After you apply, an adviser continues with you on WhatsApp from our official number. If you're contacted from any other number, social media account or website claiming to be us, treat it as suspicious.
Save our official WhatsApp number from the Contact page in your phone, so you can recognise it easily.
2. What our real WhatsApp messages say
They come from our official number, greet you by your full name and give your adviser's name, for example 'Hi [your full name], this is [adviser] from AXAI Credit about your application [reference]'. The reference is the one shown when you submitted your application.
To confirm it's really you, an adviser may ask for your full name as shown on your MyKad, confirmation that the WhatsApp number is registered in your name, and income documents: for a Personal Loan, your latest 3 months' payslips or 3 months of bank statements; for a Short-term Loan, your latest payslip or a recent bank or platform earnings statement; for an SME Business Loan, your SSM business or company profile and the latest 6 months' business bank statements. The message itself reminds you that your MyKad is checked at signing, asks you to send documents only to our official number, and says we never ask for your online banking password, a one-time password (OTP/TAC) or any fee before payout.
An offer message lists the approved amount, the annual interest rate, the term and the approximate monthly repayment (or the repayment at maturity for a short-term loan). It tells you to take your time and that you don't have to accept, and says there are no processing fees, nothing is deducted from the payout and there's no early settlement penalty. Reminders give the amount and due date and ask you to pay by FPX, JomPAY or bank transfer and send the receipt. A settlement quote gives the amount to settle in full today (outstanding principal plus interest to date) and asks you to confirm on the day you pay, because it changes daily.
The only links we send are to pages on this website, such as the application form.
3. What we will and won't ask
We will ask about your loan needs, income and existing commitments, and may ask for income documents such as payslips or bank statements. Your MyKad is verified when you sign the agreement with our licensed lending partner, and you give a bank account in your own name for the payout.
We will never ask you to pay any fee, deposit or 'release fee' before you get your money. We have no processing or admin fees, and nothing is deducted from your payout.
We will never ask for your OTP or TAC codes, online banking username or password, or your ATM card, and we will never ask you to transfer money to a personal bank account or install an app to 'verify' your account.
4. Red flags: it's probably not us if
The message comes from a number that isn't on our Contact page, or someone says our number has 'changed' and asks you to move to a new one.
You're told your loan is 'approved' but frozen until you pay a fee, tax, insurance, deposit or 'unlock' charge, or to prove you can repay by transferring money first.
You're asked for an OTP or TAC, your banking login, a photo of your ATM card, or to install an app or screen-sharing tool.
You're pressured to decide within minutes, threatened with police or legal action, or told to keep the loan secret.
You were contacted out of the blue with a loan you never applied for, or the 'website' address is different from ours.
5. How to verify an adviser
Check that the message comes from the official WhatsApp number on our Contact page. Scammers can copy our logo and name, but not our number.
If you're unsure, call our hotline on the Contact page and ask us to confirm the adviser's name and that they're handling your application. Don't use a phone number the person gave you.
A genuine adviser will never pressure you to decide immediately, threaten you, or ask you to keep the loan secret.
6. How to verify a licensed moneylender
Your loan agreement is with our licensed lending partner, a moneylender licensed by KPKT under the Moneylenders Act 1951. The lender's name and licence number appear on our website and in your agreement.
You can check any moneylender against KPKT's official list of licensed moneylenders, available through KPKT's official website and its i-KrediKom app. Make sure the company name and licence number match exactly, and that the licence is current: a licence is valid for up to two years.
Licensed moneylenders must use the prescribed agreement form (Schedule J for unsecured loans, Schedule K for secured loans) and pay the loan into your own bank account.
7. Payments go only to the lender's company account
Repayments are made by bank transfer, FPX or JomPAY to the lender's official company account stated in your agreement. Your adviser records each payment.
We will never ask you to pay to an individual's account, a different company, or a 'new account' announced by message. If you receive such a request, don't pay; contact us through the hotline on the Contact page to check first.
8. If you're contacted by an impersonator
Stop: don't reply further, don't click links, and don't share any personal or banking details.
Don't pay anything, however urgent the message sounds. If you've already paid or shared banking details, call your bank immediately and the National Scam Response Centre (NSRC) on 997 so they can try to freeze the funds. If you shared an OTP or password, ask your bank to block your online banking and cards.
Make a police report, and keep screenshots, phone numbers and payment receipts as evidence. Please also tell us through our official channels so we can warn other customers.