RM1,000 - RM100,000 | Fixed Rates | No Hidden Fees
Don't pay more than you need to. Learn the REAL math behind loan rates, spot hidden fees, and get Malaysia's lowest APR. Financial education + best rates = thousands saved.
✓ 4.88% APR (Not Flat Rate!) | ✓ No Processing Fees | ✓ Free Early Settlement | ✓ Licensed by KPKT
90% of Malaysians don't understand the difference between APR and Flat Rate. This costs you thousands. Let's fix that in 3 minutes.
The deceptive way lenders advertise
THE TRAP: You're paying interest on RM50,000 for ALL 5 years, even though you're paying down the principal every month! Your actual loan balance decreases, but interest calculation doesn't.
Real APR of "6% Flat Rate" = 10.66% APR
Almost DOUBLE what they advertised!
The honest, transparent way
THE FAIR WAY: Interest calculated monthly on your CURRENT loan balance. As you pay down principal, your interest decreases. You pay for what you actually owe.
Savings vs Flat Rate = RM7,007
That's RM116/month × 60 months!
| Advertised Rate | Flat Rate Method | APR Method (Ours) | You Save |
|---|---|---|---|
| 6% (RM50k, 5 years) | RM1,083/mo Total: RM65,000 (Real APR: 10.66%) | RM967/mo Total: RM57,993 (True 6% APR) | RM7,007 over 5 years |
| 8% (RM30k, 3 years) | RM1,000/mo Total: RM36,000 (Real APR: 14.35%) | RM939/mo Total: RM33,818 (True 8% APR) | RM2,182 over 3 years |
| 10% (RM20k, 2 years) | RM1,000/mo Total: RM24,000 (Real APR: 17.97%) | RM922/mo Total: RM22,128 (True 10% APR) | RM1,872 over 2 years |
⚠️ Always ask: "Is this APR or Flat Rate?" If they dodge the question or say "flat rate", the real APR is almost DOUBLE!
When we say 4.88% to 15.99%, we mean APR.
Not flat rate. Not hidden calculations. Real APR. What you see is what you pay.
Your rate depends on your credit score and loan amount. Here's exactly what you'll pay - no surprises.
CCRIS/CTOS 750+
CCRIS/CTOS 680-749
CCRIS/CTOS 600-679
Good news: Even with fair credit, our 15.99% APR is still better than most banks' flat rate equivalent (which would be 25-30% real APR)!
Low advertised rate doesn't mean low total cost. Here are 7 hidden fees that destroy your savings - and why we don't charge them.
Typical scam: "Low 5% rate!" but they charge 2-5% upfront processing fee.
✅ Our Policy:
ZERO processing fee. We charge only stamp duty (legally required, typically RM50-200 for the loan agreement). You borrow RM50k, you receive RM50k minus ONLY stamp duty.
Savings: RM1,300 - RM2,500 on RM50k loan
Typical scam: Want to settle your RM30k loan early? Pay 3-5% penalty on outstanding balance!
✅ Our Policy:
FREE early settlement, anytime. Got a bonus? Tax refund? EPF withdrawal? Pay us off early and save on interest - no penalty. We ENCOURAGE financial freedom.
Savings: RM500 - RM3,000 (depending on loan size)
Typical scam: "You MUST buy our life insurance to get approved." Premium added to your loan, but YOU'RE paying interest on the insurance premium too!
✅ Our Policy:
Insurance is OPTIONAL. We offer it (recommended for peace of mind), but you choose. If you already have life insurance, no need to buy ours. Your choice, not ours.
Savings: RM2,500 - RM5,000 if you opt out
Typical scam: Miss payment by 1 day? RM200 late fee + 18% penalty interest on outstanding balance.
✅ Our Policy:
Reasonable late fee: RM50 flat after 7-day grace period. We calculate penalty interest daily (1.5% per month prorated), not in big chunks. Life happens - we get it.
Savings: RM150/late payment vs competitors
Typical scam: "Low 6% rate!" plus RM20-50 monthly admin fee hidden in fine print.
✅ Our Policy:
ZERO monthly admin fees. Your monthly payment = principal + interest ONLY. That's it. No hidden line items on your statement.
Savings: RM1,200 - RM3,000 over loan term
Typical scam: For property-backed loans or even unsecured: "We need property valuation" (RM500-1,500) + "Legal fees" (RM800-2,000).
✅ Our Policy:
Unsecured = no valuation, no legal fees. We assess based on your income and credit score, period. Only stamp duty (RM50-200) which is legally mandated.
Savings: RM1,300 - RM3,500
Typical scam: Financial trouble? "We can restructure for RM500-1,500 fee." Or refinance your loan with them again = new processing fees!
✅ Our Policy:
FREE loan restructuring if needed. Facing financial hardship? We'll work with you to adjust terms - no restructuring fee. We want you to succeed, not pay more fees.
Savings: RM800 - RM3,000
Typical competitor charges: RM6,000 - RM15,000 in hidden fees
You save: RM6,000 - RM15,000 on a RM50k loan!
Plus our lower APR (not flat rate) saves you another RM5,000-10,000 in interest. Total savings: RM11,000 - RM25,000!
See exactly how much you'll save with our low APR vs typical flat rate lenders
Ready to save RM2,000 - RM20,000 on your loan?
Apply now for Malaysia's lowest APR rates with zero hidden fees
Yes, 4.88% APR is real - no catch. But it's reserved for our best customers:
Why so low? Excellent credit = lowest risk for us = we pass the savings to you. Most customers qualify for 6-12% APR range, which is still significantly better than banks' flat rate equivalent (12-18% real APR).
The guarantee: Whatever rate we quote you IS the real APR - not flat rate, not bait-and-switch. Transparency is our policy.
Here's exactly how to get the best rate:
Pro tip: If your current credit is fair (600-679) and you get quoted 12% APR, accept it. Use the loan responsibly, pay perfectly for 12 months, then apply to REFINANCE with us at a lower rate (7-9% APR) once your score improves!
Answer: It depends on your financial goals and stability.
Example: RM30k at 8% APR
3 years = RM939/mo, Total interest: RM3,818
5 years = RM608/mo, Total interest: RM6,480
Savings with 3-year: RM2,662
Remember: Our FREE early settlement means you can take 5-year term for low monthly payment, but pay extra whenever you can to save interest - best of both worlds!
Our recommendation: Choose the term where monthly payment is comfortable (not more than 30% of your income). Then make partial early payments when you get bonuses or tax refunds to reduce interest.
Yes! Loan refinancing is one of our most popular services.
How it works:
Original loan (2 years ago):
Refinance with us:
Total savings: RM86/mo × 36 months = RM3,096
When to refinance: If you've been paying your current loan perfectly for 12+ months and your credit score improved, you likely qualify for 2-5% lower APR with us. Apply and compare!
NO! This is the #1 trick that traps borrowers. Let's do the math:
Assume RM30,000 loan, 3 years:
In this case, "3% flat rate" = 5.42% APR, which IS better than 6% APR.
BUT WAIT - check for hidden fees!
Real total cost with "3%" loan: RM32,700 + RM1,980 = RM34,680
Our 6% APR with zero fees: RM32,896
You still save RM1,784 with our "higher" 6% APR!
🔍 Always Ask These Questions:
Only compare total cost vs total cost - not advertised rates!
Standard documents for all applicants:
✅ Additional documents for BEST rates (4.88-6.99% APR):
Pro tip: The more documentation you provide upfront, the faster approval and often better rate. We can verify everything quickly = lower risk = lower APR for you!
Get Malaysia's lowest APR rates with zero hidden fees
You've learned the math. You've seen the savings. Now it's time to apply and save RM5,000-20,000 on your loan.
Lowest APR rate in Malaysia
Hidden fees (processing, admin, early settlement)
APR transparency - what you see is what you pay
✓ Transparent Pricing | ✓ No Hidden Fees | ✓ Free Early Settlement | ✓ Licensed KPKT
"Smart borrowers don't just compare rates - they compare total costs. And our total cost is the lowest in Malaysia."