KPKT-licensed moneylender
Every term clear before you sign.
Borrow RM 1,000 to RM 1,000,000 at a flat 4.88% a year, for up to 7 years. Apply on WhatsApp or with a short form. We never ask for your IC number or bank login online.
For reference only. Your actual amount, fees and repayment terms depend on assessment and are set out in the agreement before you sign.
Estimate your instalment
Monthly instalment
RM 207.33
Range: RM 1,000 – RM 1,000,000
Tenure60 months
- Total repayable
- RM 12,440.00
- Flat interest rate (a year)
- 4.88%
- Effective annual rate (reducing balance)
- 8.95%
The calculator does not collect your personal details
Licence and registration
- Company name
- MyOne Credit Sdn. Bhd.
- KPKT licence no.
- WL4272/10/01-11/270927
- SSM registration no.
- 1199666-U
What you can hold us to
Nothing to pay before disbursement
If anyone asks for a payment to release your loan, it is not us.
See every feeEvery fee written into your agreement
Amount, rate, tenure and each fee are filled in before you sign. No blanks.
Read the agreement, clause by clauseContact only from official numbers you can verify
Got a message in our name? Check the number or staff ID in seconds.
Verify a contact
Terms at a glance
- Amount
- RM 1,000 – RM 1,000,000
- Tenure
- 12–84 months
- Rate
- 4.88% flat a year
- Before disbursement
- Nothing to pay
Repayment example
Borrow RM 10,000 over 60 months at a flat 4.88% a year: RM 207.33 a month and RM 12,440.00 in total, an effective annual rate of about 8.95% on a reducing balance.
Three common plans
Real figures from our calculator. Pick one to ask about, or build your own above.
RM 5,000 · 24 months
RM 228.67
a month
- Amount borrowed
- RM 5,000.00
- Interest
- RM 488.00
- Total repayable RM 5,488.00
- Effective annual rate 9.11%
RM 10,000 · 60 months
Calculator defaultRM 207.33
a month
- Amount borrowed
- RM 10,000.00
- Interest
- RM 2,440.00
- Total repayable RM 12,440.00
- Effective annual rate 8.95%
RM 50,000 · 84 months
RM 798.57
a month
- Amount borrowed
- RM 50,000.00
- Interest
- RM 17,080.00
- Total repayable RM 67,080.00
- Effective annual rate 8.77%
See the whole loan, in one chat
Scroll through an example conversation. Everything after the first message happens on WhatsApp.
Estimate
Pick an amount and tenure to see your instalment and total repayable.
Contact our official WhatsApp
Use the button on this site. If you're unsure who you're talking to, check the number on our verify page.
Send your documents
Share the required documents on WhatsApp. We'll tell you if anything is missing.
Assessment and offer
After assessment, we send a written offer showing the amount, tenure, rate and every fee.
Attestation and signing
As Section 27 of Act 400 requires, a Commissioner for Oaths or other authorised attestor attests the agreement and explains its terms to you.
Disbursement
The money goes to a bank account in your own name.
Repay on schedule
Pay only into the company account named in your agreement.
Estimate
Pick an amount and tenure to see your instalment and total repayable.
Example conversation for illustration. Your actual offer depends on assessment.
Documents to prepare
Tick what you already have
0 of 5 ready
We'll confirm the exact documents during assessment.
What people borrow for
Practical guides for the most common reasons, with the numbers to work out first.
Self-employed and need working capital? What to settle before you borrow
How to tell a cash-flow gap from a loss, size the loan to the gap, choose a tenure, and prepare the documents a self-employed applicant needs.
Learn moreDebt consolidation: turn several debts into one repayment
When consolidating cards and small loans into one instalment saves money, when it does not, a worked example with three cards, and how to keep balances at zero.
Learn moreEducation loan: cover the gap after scholarships and study funds
Check PTPTN, scholarships, EPF Account 2 and the institution's instalment scheme first. Then cost the whole course and borrow only for the gap.
Learn more
Licensed lender or ah long? Drag to compare
The law protects you only when the lender is licensed.
Licensed moneylender
- Interest
- Capped by law: 18% a year unsecured, 12% secured
- Agreement
- Written, attested, and explained to you
- Before payout
- Nothing to pay
- Collection
- Must follow the law
Capped. Written down. Explained before you sign.
Is the person on WhatsApp really us?
Enter their number or staff ID to check instantly.
Read before you borrow
Plain-language guides on licensed lending, credit reports and avoiding scams.
- Paying late: what a licensed moneylender can and cannot doWhat a late instalment really costs, with the sum shown, what the law forbids a licensed lender from doing, what we do when you are late, and what to do first.8 min readUpdated 23 Oct 2026
- Settling a loan early: what you save, and what you do notWhat happens when you pay off a personal loan early, why a flat rate changes the answer, and the one decision that actually saves you interest.6 min readUpdated 8 Oct 2026
- What DSR means in Malaysia, and how to work out your ownDebt service ratio in plain terms: what counts as a commitment, the limits banks apply, how to work out your own, and what to do when it is too high.8 min readUpdated 8 Oct 2026
How is interest calculated?
We charge a flat rate of 4.88% a year, calculated on the original loan amount over the full tenure. Because you repay principal every month, the effective annual rate on a reducing balance is higher than the flat rate. Our estimator shows both.
Are there fees besides interest?
Only those the law allows: stamp duty of 0.5% of the loan amount, the attestation fee shown in your written offer, and late interest if you pay late. We never ask you to pay anything before your loan is disbursed.
How much can I borrow, and for how long?
From RM 1,000 to RM 1,000,000, over 12 to 84 months. All our loans are unsecured: no collateral and no guarantor.
Why do you use WhatsApp?
So this website never stores your details. You only deal with our official numbers, and you can check who you're talking to on our verify page at any time.
Ready when you are.
Send us a message on WhatsApp. There is nothing to pay before your loan is disbursed.