Medical
Short-term financing for medical bills, private specialist visits, and family emergencies. From 4% p.a.
50,000+
applications
RM 120M+
disbursed
4.9 / 5
on Google
Medical loans are priced the same as standard personal loans — the difference is speed. MyTrustCredit prioritises medical applications for same-day underwriting.
We cannot guarantee specific disbursement times — but medical cases submitted before 2 PM usually disburse within one working day.
From RM 110/mo on an RM 6,000 × 5-year plan
Sized to cover specialist, hospital, or dental out-of-pocket costs
Short tenures available if this is a short-term bridge to an insurance claim
We fast-track medical cases through our underwriting queue
Eligibility
Baseline criteria are the same as a personal loan — the application itself goes on a priority queue.
The treatment itself does not need to be in Malaysia — if you are paying for overseas treatment for a family member, that's also accepted.
Why MyTrustCredit for medical loans
Three reasons families pick MyTrustCredit during medical situations.
Fees & charges
Pricing is identical to standard personal loans. There's no "emergency surcharge" — speed is built in.
| Item | Typical range | Notes |
|---|---|---|
| Processing fee | 1% – 2% of loan · or RM 50 – RM 100 flat | MyTrustCredit often waives this for verified hospital bills |
| Stamp duty | 0.5% of loan · min RM 10 | Statutory charge |
| Early settlement | Up to 3 months of remaining interest | Useful if an insurance reimbursement comes through later |
| Late payment | 1% p.m. on overdue | We strongly recommend auto-debit on medical loans |
Processing fee
1% – 2% of loan · or RM 50 – RM 100 flat
MyTrustCredit often waives this for verified hospital bills
Stamp duty
0.5% of loan · min RM 10
Statutory charge
Early settlement
Up to 3 months of remaining interest
Useful if an insurance reimbursement comes through later
Late payment
1% p.m. on overdue
We strongly recommend auto-debit on medical loans
If you expect an insurance claim to settle the bill later, flag it to us — MyTrustCredit allows lump-sum early settlement without heavy penalties.
By the numbers
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
Composite cases from our 2025–2026 applicants. Details are anonymised.
Auntie Siti from Johor
RM 3,000 · 18 months
Needed an urgent day-surgery her insurance didn't fully cover. Applied via MyTrustCredit at 9 PM on a Tuesday, was called back within 2 hours, and disbursed the next day in time for the Thursday morning admission.
Hafiz's father
RM 8,500 · 36 months
His father needed dialysis equipment at home. Hafiz applied in his own name for the medical loan, uploaded the supplier quotation, and MyTrustCredit approved at 6.2% p.a. — disbursed within 24 hours of signing.
Evelyn, private dental
RM 5,500 · 24 months
Needed root canal + crown work that wasn't covered under her employer's outpatient plan. Clinic accepted staged payment; MyTrustCredit loan funded the full course in one go to avoid staged clinic fees.
If your case is time-sensitive, tell us in the application — it gets flagged for priority review.
WL1234/5678
KPKT Licensed
Licensed moneylender
AES-256
PDPA 2010
Data encryption
202301012345-D
SSM Registered
MyTrustCredit Sdn Bhd
256-bit TLS
SSL Secured
End-to-end TLS
50,000+
Applications
Malaysians served
4.9 ★
Google Rating
1,247 reviews
How it works
No calls, no fax, no branch visits. Everything happens online or via WhatsApp directly with MyTrustCredit, your licensed moneylender.
Why MyTrustCredit
MyTrustCredit is a KPKT-licensed moneylender (WL1234/5678) — not an Ah Long, not a middleman, just your direct lender.
MyTrustCredit holds a KPKT moneylender licence (WL1234/5678), audited and renewed annually under the Moneylenders Act 1951.
Learn moreYour data is encrypted, access-audited, and processed only by MyTrustCredit's lending team. Never sold.
Learn moreMyTrustCredit 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 moreVersus the alternatives Malaysians usually consider.
| MyTrustCredit | Ah Long | Direct to bank | |
|---|---|---|---|
| Licensed | Yes | No | Yes |
| Fast callback | 30 min avg | Instant | 3–7 days |
| No harassment | No | Yes | No |
| Direct lending decisions | Yes — in-house | No | One bank only |
| Free to apply | Yes | Hidden fees | Yes |
Questions?
Specific questions families ask during a medical emergency.
The borrower has to be you — you take personal responsibility for repayment. But the treatment can be for any immediate family member. You'll usually be asked for the patient's name and relationship on MyTrustCredit's KYC form.
Yes. Funds disburse to your bank account and you pay the hospital normally — by cash, card, or transfer. The hospital never sees that it's a loan. MyTrustCredit can also disburse directly to selected private hospitals — ask your loan officer if you need this.
Top-up loans from MyTrustCredit are possible after 3 – 6 clean monthly payments, assuming the original approved limit wasn't already maxed. For large cost overruns, it's often faster to apply for a fresh medical loan.
No. MyTrustCredit only uses what's needed to assess the loan (income, employment, ID). We do not store diagnoses, medical records, or hospital records — only the quotation amount if you choose to upload it.
You can submit the form anytime. MyTrustCredit callbacks and approvals happen during working hours (9 AM – 9 PM, including Saturday). For life-threatening emergencies, please seek treatment first and arrange financing after — hospitals in Malaysia cannot legally turn away emergency cases.
Submit your application. Medical cases usually get a MyTrustCredit callback within 2 working hours.
Your medical context stays with you. MyTrustCredit only processes the financial information needed to underwrite your loan.
Ready?
Free. No credit score impact just to check. KPKT-licensed moneylender.
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Licensed direct lender
KPKT-licensed moneylender — WL1234/5678.
2-minute check
Under two minutes to see what you qualify for.
Up to RM 88 cashback
Credited after your loan is disbursed.