Personal Loan
RM1,000 to RM100,000
For weddings, medical bills, home renovation, education or emergencies. Borrow up to 6 times your monthly salary.
- No collateral or guarantor
- Flexible 6 to 60 month repayment
- Same-day payout after approval
KPKT-licensed money lender · KL & Selangor
Up to RM100,000, approved in as fast as 2 hours.
Personal and business loans from RM1,000. No collateral, no guarantor, and never any upfront fees. Blacklisted, CTOS or AKPK cases welcome.
Free eligibility check. No obligation, no effect on your record.
RM126 million disbursed to more than 11,400 Malaysians since 2016.
Know your monthly payment before you apply.
Drag the sliders. Estimates use our full legal rate range of 12% to 18% per annum.
RM1,000RM100,000
660
Estimated monthly payment
RM1,033 – RM1,133
At 12% to 18% p.a. flat rate. Your exact rate is confirmed before signing.
Apply for this amount
Representative example: borrow RM10,000 over 12 months at 12% p.a. Total interest RM1,200, monthly payment RM933. No hidden fees, no early settlement penalty.
Your money in 3 steps.
No office visit needed. Everything can be done from your phone.
Apply in 3 minutes
Fill in the short form below, or WhatsApp us your name, job and the amount you need.
Form or WhatsAppGet your answer fast
Our officers review and call you back. Average approval takes just 45 minutes.
45 min averageReceive your cash
Sign the agreement digitally, and money lands in your bank the same day via DuitNow.
Same dayThree ways to borrow.
Every one licensed, collateral-free, and paid out the same day.
Business Loan
Working capital for stock, payroll or expansion. For SSM-registered businesses, including sole proprietors.
Check eligibilityDebt Consolidation
Combine credit card balances and small loans into one lower, manageable monthly payment.
Check eligibilityBuilt to be the opposite of an ah long.
Everything they hide, we put in writing.
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Licensed & regulatedLicensed by KPKT under the Moneylenders Act 1951. Our licence number is at the bottom of this page.
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Zero upfront fees, everYou pay nothing before receiving your loan. No ‘processing fees’, no ‘deposits’.
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Transparent rates, 12% to 18% p.a.The full range is published right here. Yours is confirmed in writing before you sign anything.
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Flexible 6 to 60 monthsPick a tenure that fits your salary. Early settlement is allowed with no penalty.
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Blacklist, CTOS & AKPK consideredWe assess what you can afford today, not your history. Many of our customers were rejected by banks.
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Your data stays privateProtected under the PDPA. We never sell your information or contact your employer without consent.
Compare your options honestly.
We are not the cheapest for everyone. Here is where we actually stand.
| Criteria | MudahDana | Banks | Unlicensed (Ah Long) |
|---|---|---|---|
| Approval | As fast as 2 hours | 3 to 14 working days | Instant, but dangerous |
| Interest | 12% to 18% p.a.Fixed in writing | 5% to 8% p.a.If you qualify | Up to 40% per monthChanges without notice |
| Blacklist / AKPK | Considered | Usually rejected | ‘Accepted’, at a price |
| KPKT licence | Yes, verified | BNM regulated | None |
| Upfront fees | None | Processing fees | Scam ‘deposits’ |
| If you pay late | We restructure your plan | Legal action | Threats & harassment |
Real stories from real borrowers.
Names shown with permission. Amounts rounded for privacy.
The bank rejected me over my CTOS record. MudahDana approved RM15,000 before lunch and I paid my workshop deposit the same day.
After my friend got scammed I was scared of every lender. They showed me their KPKT licence before asking me anything. That’s what won me over.
Three credit cards became one RM890 payment a month. First time in two years I can sleep properly.
Applied at 9am when my shop was in trouble. By noon the money was in. My Raya stock was saved.
Apply now. It takes 3 minutes.
Free eligibility check with no obligation. An officer calls you back within 30 minutes during business hours.
- No effect on your credit score
- No documents needed for the check
- Decision in as fast as 45 minutes
Prefer to talk it through?
011-2345 6789Frequently asked questions.
You qualify if you are a Malaysian citizen aged 18 to 60 with a steady income (salary, business or gig work) and you live or work in KL, Selangor or Putrajaya. Blacklist, CTOS or AKPK records are still considered.
Just your IC, your payslip or 3 months of bank statements, and your bank account for the payout. Everything can be sent over WhatsApp. The initial eligibility check needs no documents at all.
Average approval takes 45 minutes during business hours. Once the agreement is signed, payout happens the same day via DuitNow, often within 2 hours of your application.
Between 12% and 18% per annum, as set under the Moneylenders Act 1951. Example: RM10,000 over 12 months at 12% p.a. comes to RM1,200 in interest, which is RM933 per month. Your rate is confirmed in writing before you sign.
Yes. We assess your current ability to repay, not your credit history. Many of our customers were previously rejected by banks. Approval is not guaranteed, but the check is free.
None at all. You pay nothing before receiving your loan. Stamp duty and attestation fees (if any) are transparently deducted from the payout amount. Anyone asking for upfront payment in our name is a scammer; please report them to us.
Yes, any time and with no penalty. You only pay interest for the period you actually used.
Ready when you are.
Free check, answer in 45 minutes, money today.