What documents do I need to apply?

You need your Malaysian IC, latest payslip or EPF statement (for employed), bank statements for 6 months (for self-employed), and proof of address such as utility bill.

How long does the approval process take?

Most applications are approved within 2-3 hours during business hours (9 AM - 6 PM, Monday to Friday). Applications submitted after hours will be processed the next business day.

Can I apply if I have bad credit?

Yes, we consider applications from individuals with less-than-perfect credit. While credit history is one factor, we also look at your current income, employment stability, and debt-to-income ratio.

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