Fast cash, approved in 60 minutes.
Personal & business loans from RM1,000 to RM100,000. No collateral, no guarantor, no upfront fees. Blacklist, CTOS & AKPK are welcome to apply.
See your monthly repayment in seconds.
Move the sliders to estimate your loan. It is free, instant, and never affects your credit score.
- Borrow RM1,000 to RM100,000
- Repay over 6 to 60 months
- One flat rate of 18% p.a.
Estimate your loan
18% p.a.Move the sliders to see your monthly repayment.
Estimated using our flat-rate scheme (18% p.a.), matching the repayment schedule below. Your final offer is confirmed on approval.
One licensed lender, three ways to borrow.
Whatever you need the funds for, our approvals are fast and our terms are clear. No hidden charges, ever.
Personal Loan
For medical bills, education, weddings, renovations or any personal need. Quick cash with repayments that fit your salary.
Balance Transfer
Combine your credit cards and existing loans into one lower monthly payment. Pay less, worry less.
A licensed lender that says yes, fast.
We are fully licensed under the Moneylenders Act 1951 and we make borrowing simple, quick and honest.
Approved in 60 minutes
Submit during business hours and get a decision in about an hour, with cash disbursed the same day.
No guarantor or collateral
No need for a co-signer, property or car. Your loan is based on your income, not what you can pledge.
No upfront or hidden fees
You never pay a deposit or processing fee to apply. You only ever repay the loan and its agreed interest.
One simple flat rate
A single transparent flat rate of 18% p.a., within the limits of the Moneylenders Act. What you agree to is what you pay.
Flexible 6–60 months
Choose a repayment period that suits your budget, from six months up to five years.
Blacklist, CTOS & AKPK welcome
A less-than-perfect credit record does not disqualify you. We assess every application on its own merit.
A licensed lender you can actually talk to.
Behind every fast approval is a real, friendly team based right here in Kuala Lumpur. We explain every number in plain language, keep your details private, and treat you with respect, whatever your credit history.
- Fully licensed under the Moneylenders Act 1951
- A real person answers, seven days a week
- 100% confidential, your data is never sold
- Walk in and meet us at our Kuala Lumpur office
From WhatsApp to cash in four steps.
No branch queue, no paperwork mountain. The whole thing happens on your phone.
Message us on WhatsApp
Tap Apply and tell us how much you need and your repayment preference.
Send your documents
Share your MyKad, latest payslip and bank statement. It takes two minutes.
Get approved in 60 minutes
Our team reviews your application and confirms your offer, clearly and in writing.
Receive your cash
Sign the agreement and the funds are credited to your account, often the same day.
Who can apply
- Malaysian citizen aged 21 to 60
- Employed with salary credited to a bank account
- Active PERKESO / SOCSO contribution
- Minimum income of RM1,500 per month
- MyKad (front & back)
- Latest 3 months payslip
- Latest 3 months bank statement
Apply in 2 minutes, get a decision in 60.
Fill in the form and our team will review it right away. There is no obligation and it will not affect your credit score.
- Free, no-obligation quote
- No impact to your credit score
- 100% confidential
Clear numbers, before you commit.
A full worked example and exactly what shapes your rate. No small print pointing nowhere.
Representative example 18% p.a. flat
Representative example: borrow RM10,000 over 36 months at a flat rate of 18% per annum. 36 monthly repayments of RM427.78. Total amount repayable RM15,400.00. Flat rate 18% per annum, within the limits of the Moneylenders Act 1951.
- One simple flat rateEveryone pays the same transparent 18% per annum, with no hidden tiers.
- Shorter tenure, less interestA shorter repayment period means you pay less in total interest.
- No upfront cost to applyChecking your eligibility and getting a quote is completely free.
- Settle early, save interestClear your balance ahead of schedule and you pay less overall.
Flexible Repayment Scheme
Your fixed monthly repayment (RM) for every loan amount and tenure. Simple, flat, and transparent.
| Loan Amount (RM) | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|
| 1,000 | 181.66 | 98.33 | 56.66 | 42.77 | 35.83 | 31.66 |
| 2,000 | 363.33 | 196.66 | 113.33 | 85.55 | 71.66 | 63.33 |
| 3,000 | 545 | 295 | 170 | 128.33 | 107.50 | 95 |
| 4,000 | 726.66 | 393.33 | 226.66 | 171.11 | 143.33 | 126.66 |
| 5,000 | 908.33 | 491.66 | 283.33 | 213.88 | 179.16 | 158.33 |
| 10,000 | 1,816.60 | 983.30 | 566.60 | 427.70 | 358.30 | 316.60 |
| 20,000 | 3,633.30 | 1,966.60 | 1,133.30 | 855.50 | 716.60 | 633.30 |
| 30,000 | 5,450 | 2,950 | 1,700 | 1,283.30 | 1,075 | 950 |
| 40,000 | 7,266.60 | 3,933.30 | 2,266.60 | 1,711.10 | 1,433.30 | 1,266.60 |
| 50,000 | 9,083.30 | 4,910.60 | 2,833.30 | 2,138.80 | 1,791.60 | 1,583.30 |
All figures are indicative monthly repayments in RM at a flat rate of 18% per annum, within the limits of the Moneylenders Act 1951. Your final offer is confirmed on approval.
Trusted by thousands of Malaysians.
“I applied at noon and the money was in my account by evening. Very fast and the staff explained every charge clearly.”
“I was blacklisted and thought no one would help. Credit Lend Capital approved me and treated me with respect. Highly recommended.”
“Needed working capital for my shop urgently. No guarantor, no fuss, and a repayment plan that fits my cash flow.”
Good to know before you apply.
Still unsure? Message us on WhatsApp and we will answer in plain language, seven days a week.
Yes. We welcome applicants with blacklist, CTOS or AKPK records. We assess each application individually based on your current income and ability to repay, not only your credit history.
Applications submitted during business hours are usually approved within about 60 minutes. Once you sign the agreement, funds are typically disbursed the same working day.
No. You never pay a deposit, processing or guarantor fee to apply. The only cost is the interest on your loan, at the fixed rate stated in your agreement. Never pay anyone who asks for money before your loan is approved.
Between RM1,000 and RM100,000 over 6 to 60 months. The amount you are offered depends on your income, commitments and our affordability assessment.
Yes. Credit Lend Capital is licensed by the Ministry of Housing and Local Government (KPKT) under the Moneylenders Act 1951. Our KPKT and SSM registration numbers are shown at the top of this page and in the footer.
Need cash today? Let’s get you approved.
Message us now for a free, no-obligation quote. Fast approval, clear terms, and a real person to help you through it.
Licensed money lender · Akta Pemberi Pinjam Wang 1951 · Borrow responsibly.