Transparent, flexible instalment loans with simple applications. Enjoy repayment options up to 60 months, tailored for salaried workers.
We'll contact you within 1 working day.
Approx. RM 313/month · total repayable RM 11,268 (incl. fees). Representative APR 8.0%.
Minimum repayment period is over 60 days — this is a longer-term personal loan, not a short-term or payday loan.
No upfront fees. Every charge is shown in your loan agreement.
Licensed money lender under the Moneylenders Act 1951. All loans are subject to eligibility, assessment and approval.
Figures are an illustrative representative example, not an offer or quote. Your actual loan amount, interest rate and repayment term are determined after assessment and are subject to approval.
Get a quick, illustrative estimate.
Illustrative only at a representative 8% p.a. — not an offer or quote. Actual rate, eligibility and approval are subject to assessment.
A simpler, more honest way to explore financing.
Start Your Application →Choose a plan that fits your budget, with loan tenures from 6 months up to 60 months for manageable monthly instalments.
Applying takes just a few steps, with minimal paperwork required. Submit your documents securely online and receive a decision within 1 working day.
Your application is assessed based on your current payslip and employment stability, not just your past credit profile.
Work only with KPKT-licensed lenders—no hidden fees, no upfront deposits, and clear terms from start to finish.
See how we differ from the usual bank route.
Compared with a traditional bank application.
A fast, transparent process built around salaried Malaysians.
Combine commitments into one payment.
Hospital bills or emergency treatment.
Tuition fees for you or your family.
Renovate or repair your home.
Working capital for your venture.
Urgent, unexpected expenses.
Fund your special day.
Repairs or vehicle payments.
Licensed under the Moneylenders Act 1951.
A registered Malaysian company.
Your details are kept private & secure.
A clear response, typically within a day.
Malaysian citizens aged 21–60, working full-time on a payslip in Selangor or KL, with a minimum fixed monthly income of RM2,000 and able to provide the latest 3 months' payslips and MyKad.
Repayment terms are flexible, ranging from 6 months up to 60 months, depending on your eligibility and preference.
Yes. All information is protected under the Personal Data Protection Act (PDPA) and used only for processing your loan enquiry with licensed lenders.
Applicants with prior credit issues may still be considered, subject to assessment by the lender. Each case is reviewed individually.
No. There are no application fees, upfront deposits, or hidden charges. Only licensed lenders are involved, and all charges (if any) are clearly disclosed before you sign.
Apply confidently with Pinjam Pilot and get matched to licensed lenders offering flexible, longer-term personal loans. Safe, secure, and designed for employees like you.
Start Your Application →