How it works: from estimate to disbursement
Here is every step from estimate to disbursement. You can start on WhatsApp or with the online form; documents are shared only on WhatsApp.
- 1
Estimate
Pick an amount and tenure to see your instalment and total repayable.
- What you do
- Pick an amount and tenure in the calculator to see your monthly instalment and the total you would repay.
- What we do
- Nothing yet. The calculator runs in your browser and nothing is sent to us.
- 2
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.
- What you do
- Tap a WhatsApp button on this site. Your message arrives with the plan already filled in.
- What we do
- A staff member replies from our official number and gives you their staff ID, which you can check on the verify page.
- 3
Send your documents
Share the required documents on WhatsApp. We'll tell you if anything is missing.
- What you do
- Send clear photos or PDFs of the documents for your type of work.
- What we do
- We check that everything is complete and tell you straight away if something is missing.
- 4
Assessment and offer
After assessment, we send a written offer showing the amount, tenure, rate and every fee.
- What you do
- Wait for our reply. You can ask questions at any time.
- What we do
- With your consent we check your credit report at no charge to you, assess your application, usually within one working day, and send a written offer listing the amount, tenure, rate and every fee.
- 5
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.
- What you do
- Read the agreement and ask about anything that is unclear. Sign only when you understand it.
- What we do
- A Commissioner for Oaths or other authorised attestor attests the agreement and explains its terms to you, as Section 27 of Act 400 requires.
- 6
Disbursement
The money goes to a bank account in your own name.
- What you do
- Give us the bank account in your own name.
- What we do
- We transfer the loan to that account. We never ask you to pay anything before this.
- 7
Repay on schedule
Pay only into the company account named in your agreement.
- What you do
- Pay each instalment on time, only into the company account named in your agreement.
- What we do
- We record every payment and can tell you your balance whenever you ask.
Signing day, in your own hands
This is what happens at the table when you sign. Work through the sample agreement yourself: check each figure, sign, and stamp your copy.
Schedule J · sample
Moneylending agreement (unsecured loan)
- Borrower
- You, as on your MyKad or MyPR
- Lender and licence no.
- Principal sum
- Interest rate
- Instalment
- Attestor
- Borrower's signature
Step 1 of 7
Check the licence number
It must match KPKT's list. The attestor has the agreement in front of you; take your time.
Before you sign, check these six things
The Moneylenders Act gives you these protections. Tick each one off with the agreement in front of you.
0 of 6 checked
If any of these is missing, do not sign. Ask us first.