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PPMyTrustCredit

Education

Invest in yourself. Or your kids.

Cover tuition fees, professional certifications, and short courses. Short-ticket, flexible tenures.

4.9· 1,247 Google reviews
  • Licensed direct lender
  • 256-bit SSL
  • No upfront fees
Get 0.5% cashback on every loan

50,000+

applications

RM 120M+

disbursed

4.9 / 5

on Google

Check My Eligibility — Free, 2 MinutesTry calculator
SSL 256-bitPDPA-safeGoogle VerifiedRM 500 – RM 20,000 · ~4% p.a.
Education

Rates, limits and repayment for education

Use for semester fees, certification courses, or kids' mid-term school fees. MyTrustCredit is not a replacement for PTPTN — a top-up when PTPTN doesn't cover enough.

Rates shown are MyTrustCredit's commercial rates; PTPTN and government scholarships remain the cheapest option where you qualify.

Rate range
From 4% p.a.

From RM 95/mo on an RM 4,000 × 5-year plan

Amount
RM 500 – RM 20,000

Sized per semester, per certification, or per term

Tenure
1 – 5 years

No grace period — repayment starts the month after disbursement

Disbursement
24 – 72 hours

Quicker if you attach the tuition invoice or admission letter

Eligibility

Who qualifies for an education top-up loan

The borrower is the working adult — typically the parent, the student who's already working, or the adult learner.

  • Borrower aged 21+ with a valid Malaysian MyKad or PR card
  • Monthly income of at least RM 2,000 from employment, EPF or verifiable business income
  • If borrowing for a child: you are the parent or legal guardian
  • If borrowing for yourself: you are either working or have a confirmed job offer starting within 3 months
  • Course / institution is recognised (MQA-accredited in Malaysia, or internationally-recognised certification body)
  • Willing to upload the tuition invoice, offer letter or course confirmation
  • Clean CTOS / CCRIS within the last 12 months

Full-time students without income can't borrow directly from MyTrustCredit — ask a parent or guardian with income to apply on your behalf.

Why MyTrustCredit for education top-ups

Built for adult learners and parents

Three reasons this beats a generic personal loan for study-related borrowing.

  1. MyTrustCredit waives processing fees when you attach a verifiable tuition invoice — up to RM 200 saved on larger tickets.
  2. Flexible tenure up to 5 years — useful when you're balancing study costs against a smaller learning-phase income.
  3. We'll always remind you that PTPTN, MyBrainSc, and employer sponsorship come first. We'd rather you skip the loan than take on one you don't need.

Fees & charges

What an education top-up actually costs

Standard personal-loan fees. Always compare against PTPTN first — PTPTN is cheaper where you qualify.

  • Processing fee

    1% – 2% of loan · or RM 50 – RM 100 flat

    Sometimes waived for verified tuition invoices

  • Stamp duty

    0.5% of loan · min RM 10

    Statutory

  • Early settlement

    Up to 3 months of remaining interest

    Useful if you finish the course early or get a scholarship later

  • Late payment

    1% p.m. on overdue

    Auto-debit recommended, especially for students on variable income

MyTrustCredit offers a 3-month instalment-deferral option for first-year students — ask our team if this matters to you.

By the numbers

Trusted by Malaysians, powered by data

  • 50,000+

    Applications processed

    Since our 2023 launch

  • RM 120M+

    Total disbursed

    Direct loans from MyTrustCredit to Malaysians

  • 30-Min

    Avg callback time

    Mon–Sat, 9am–8pm MYT

  • 4.9★

    Google rating

    From 1,247 verified reviews

Real stories

Malaysians investing in learning

Composite examples from 2025–2026 applicants.

Izzat, ACCA candidate

RM 6,500 · 36 months

Already working in audit; needed to fund two ACCA papers plus exam fees his employer wouldn't cover. Borrowed in his own name, planning to settle early once his promotion (conditional on passing) comes through.

Mrs Wong, mother of two

RM 4,500 · 24 months

Mid-term school-fee top-up for both children at a private international school after her husband's commission income dropped. Used the loan to avoid transferring mid-year, with plans to settle once his year-end bonus lands.

Priya, AWS career-switcher

RM 9,000 · 48 months

Paying for a 6-month cloud-certification bootcamp. Chose 4-year tenure to keep monthly outflow low while she builds up her new salary post-certification.

Repayment generally starts the month after disbursement — factor this into your study cashflow plan.

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Licensed & regulated

  • WL1234/5678

    KPKT Licensed

    Licensed moneylender

  • AES-256

    PDPA 2010

    Data encryption

  • 202301012345-D

    SSM Registered

    MyTrustCredit Sdn Bhd

  • 256-bit TLS

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  • 50,000+

    Applications

    Malaysians served

  • 4.9 ★

    Google Rating

    1,247 reviews

Serving 50,000+ Malaysians

How it works

From application to cash in 4 steps

No calls, no fax, no branch visits. Everything happens online or via WhatsApp directly with MyTrustCredit, your licensed moneylender.

Why MyTrustCredit

Safer than the alternatives

MyTrustCredit is a KPKT-licensed moneylender (WL1234/5678) — not an Ah Long, not a middleman, just your direct lender.

  • Licensed & regulated

    MyTrustCredit holds a KPKT moneylender licence (WL1234/5678), audited and renewed annually under the Moneylenders Act 1951.

    Learn more

  • PDPA-protected

    Your data is encrypted, access-audited, and processed only by MyTrustCredit's lending team. Never sold.

    Learn more

  • Never an Ah Long

    MyTrustCredit is licensed to lend under KPKT — the opposite of an Ah Long. If we can't approve your loan, we tell you. We won't redirect you to unlicensed lenders — ever.

    Learn more

How we compare

Versus the alternatives Malaysians usually consider.

MyTrustCreditAh LongDirect to bank
LicensedYesNoYes
Fast callback30 min avgInstant3–7 days
No harassmentNoYesNo
Direct lending decisionsYes — in-houseNoOne bank only
Free to applyYesHidden feesYes

Questions?

Education loan FAQs

Specific questions about commercial education top-up loans in Malaysia.

Can I use this to top up my PTPTN loan?

Yes, this is one of the most common uses. PTPTN often covers tuition but not living costs or lab fees. A MyTrustCredit commercial top-up fills the gap. Keep the two separate — don't use this loan to repay PTPTN, because PTPTN is cheaper.

Can I use it for an international university?

Yes, you can. You (the borrower) must be Malaysian resident with a Malaysian bank account and Malaysian income source. The course institution can be anywhere. You'll need to upload the offer letter and invoice.

When does repayment start?

The month after disbursement, on a date agreed with MyTrustCredit — there is no study-period grace period like PTPTN offers. This is a commercial loan, not a government-subsidised one.

Do I need to declare what I'm studying?

You'll be asked for the course and institution name on the application. MyTrustCredit uses this only where relevant to approval — for instance, a medical specialist course may unlock more favourable terms.

Can a full-time student apply without income?

No. MyTrustCredit requires the borrower to have stable income. If you're a full-time student, ask a working parent, guardian or spouse to apply on your behalf. Your name would only appear as the beneficiary of the tuition payment.

Fund the next chapter.

For semester fees, professional certifications or a child's mid-term school fees — apply in two minutes.

Check my education-loan optionsEstimate monthly repayment

Your course and institution details are handled with the same care as your financials.

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  • Up to RM 88 cashback

    Credited after your loan is disbursed.