Personal loans
RM 500 to RM 20,000. From 4% p.a. For renovations, medical, emergencies, and anything life throws at you.
50,000+
applications
RM 120M+
disbursed
4.9 / 5
on Google
Indicative ranges from MyTrustCredit's in-house underwriting. Your final offer depends on your credit profile and tenure.
Rates quoted are flat per annum and for illustration only. All offers are subject to approval by MyTrustCredit's underwriting team under KPKT moneylender rules.
From RM 99/mo on an RM 5,000 × 5-year plan
Most approved tickets sit around RM 5,000 – RM 10,000
Longer tenure lowers monthly outflow, raises total interest
From signed loan agreement to funds in your bank
Eligibility
MyTrustCredit applies these baseline checks to every applicant. You need to meet all of these before we can review your application.
Meeting eligibility does not guarantee approval. Final decision and interest rate sit with MyTrustCredit's underwriting team after our scoring.
Why MyTrustCredit for personal loans
Three reasons borrowers from Penang to JB choose us over walking into a single bank.
Fees & charges
MyTrustCredit's fees sit within these typical Malaysian ranges. Everything is disclosed in writing before you sign — no surprise fees.
| Item | Typical range | Notes |
|---|---|---|
| Processing fee | 1% – 2% of loan · or RM 50 – RM 100 flat | Deducted from disbursement or added to principal |
| Stamp duty | 0.5% of loan · min RM 10 | Statutory under the Stamp Act 1949 |
| Early settlement | Up to 3 months of remaining interest | Capped by BNM's Rule of 78 guideline in most cases |
| Late payment | 1% p.a. on overdue amount | Disclosed upfront in your letter of offer |
Processing fee
1% – 2% of loan · or RM 50 – RM 100 flat
Deducted from disbursement or added to principal
Stamp duty
0.5% of loan · min RM 10
Statutory under the Stamp Act 1949
Early settlement
Up to 3 months of remaining interest
Capped by BNM's Rule of 78 guideline in most cases
Late payment
1% p.a. on overdue amount
Disclosed upfront in your letter of offer
MyTrustCredit charges no upfront fees — we earn only from interest on the loans we issue, within KPKT's statutory caps.
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 scenarios drawn from anonymised 2025–2026 applications. Names and details are changed.
Aiman from Shah Alam
RM 8,000 · 36 months
Needed to replace a broken washing machine and fix a leaking roof before his second baby arrived. Applied on a Tuesday night, got approved by our underwriting team Wednesday afternoon, and was disbursed Friday morning. Monthly repayment works out to roughly RM 260.
Mei Ling from PJ
RM 15,000 · 60 months
Used a personal loan to consolidate two credit card balances and cover a car down payment. Chose the longest tenure to keep monthly cashflow comfortable while she was between jobs.
Raj from Johor Bahru
RM 3,500 · 24 months
Self-employed delivery rider. Submitted 6 months of bank statements as income proof. MyTrustCredit approved a smaller starter ticket with the option to top-up after six clean repayment months.
These are illustrative. Your outcome depends on your profile and MyTrustCredit's final credit decision.
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?
The questions we hear most often from Malaysian borrowers applying for a personal loan.
Yes. MyTrustCredit's personal loans are unsecured and not tied to a specific purpose — you can use funds for renovation, appliances, repairs, or any legitimate personal expense. If your renovation is above RM 50,000 though, a dedicated renovation loan from a bank is usually cheaper.
MyTrustCredit accepts an EPF statement as income proof instead of payslips, especially for self-employed or variable-income applicants. We don't withdraw from your EPF — it's only used to verify consistent employment contributions.
MyTrustCredit underwrites gig and self-employed applicants directly. Instead of payslips you'll submit 6 months of bank statements plus optional LHDN / BE form. Approved tickets tend to start smaller (RM 2,000 – RM 5,000) with room to top up later.
Submitting your details on MyTrustCredit is a soft enquiry that does not appear on CCRIS. Only when MyTrustCredit runs a formal credit assessment does a record appear — and that's only after you explicitly consent to proceed.
You can always settle early. MyTrustCredit applies a rebate-based fee (Rule of 78) of up to 3 months' interest on the remaining balance. The exact early-settlement formula is shown on every Letter of Offer before you sign.
24 – 72 hours is typical once you've signed our loan agreement. Same-day disbursement is possible if you complete KYC before 2 PM on a working day and your bank account is on our instant-transfer panel.
A two-minute form. No obligation. See what MyTrustCredit can offer before you decide.
Soft enquiry only. 256-bit SSL. We never call or WhatsApp without your consent.
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.