KPKT-licensed moneylender
Clear terms.
Smarter financing.
Every fee is itemised before you agree. It all happens in the app — no branch visit, no long forms.
KPKT licensed
Under the Moneylenders Act 1951.
No payslip
Your MyKad and a bank account are enough.
Full cost up front
Every fee is itemised, one by one.
Settle early, no penalty
No additional cost for early settlement.
The difference
Built on disclosure, not surprises
Read it all, then decide
See your full options before accepting. No obligation to take any of them.
Everything in the app
Sign up, check status and repay from your phone. No back-and-forth email.
Pay early, no penalty
Settle ahead of time and there is no additional cost.
We speak your language
Bahasa Malaysia, English and Mandarin, 9am to 9pm.
How it works
Signed up before your coffee goes cold
- 01
Verify your number
A one-time code, your MyKad, and a six-digit PIN of your choosing.
- 02
Pass verification
Runs in the background. The status shows on your home screen.
- 03
Choose in the app
Every fee is itemised. Confirm with your PIN.
- 04
Money reaches your bank
Proceeds are paid into an account in your own name.
Requirements
Who can apply?
Four things. That is all we check before your application starts.
- Malaysian citizen or permanent resident
- Aged 18 to 55
- A MyKad that is still valid
- An active bank account in your own name
Meeting these does not guarantee approval. Every application goes through an eligibility check.
FAQ
Before you apply
How much can I get?
Your limit depends on your profile and is shown in the app before you agree.
What does it cost?
The full cost — every fee, every charge, and the total repayable — is shown during your application, before you confirm anything. There are no hidden charges.
What do I need to have ready?
Just your MyKad and a few basic details for verification. No payslip, no branch visit, no physical documents.
Who can apply?
Malaysian citizens and permanent residents aged 18 to 55, with a valid MyKad and an active bank account in their own name.
How soon will I know?
Signing up takes a few minutes. Verification runs in the background and its status shows on your home screen — you do not have to contact anyone to ask.
Is PutraLoan licensed?
Yes. PutraLoan is the trading name of Putra Berjaya Sdn Bhd, a moneylender licensed under the Moneylenders Act 1951. Our licence and advertising permit numbers are displayed at the foot of every page.
Is there a fee to sign up?
None. Signing up is free, and we never ask for money before your financing is released. Anyone who does is not acting for us.
Can I settle early?
Yes, at no additional cost.
What if I miss a payment date?
Late charges apply under the terms of your agreement, and a delay can affect your credit record. Get in touch as early as you can — the sooner you tell us, the more options there are.
Is my data safe?
Your information is encrypted and used only to verify your identity and process your application, in line with Malaysia's Personal Data Protection Act.
Which bank account is the money paid into?
An account in your own name, which you provide during your application. We do not pay into third-party accounts.
Will PutraLoan contact me?
We may contact you about your application on the number you provide. We never ask for an upfront payment, your PIN, or your banking password.
Read it all first. Then decide.
Sign up in minutes and see your full options. No obligation to take any of them.
Signing up doesn't commit you
See your full offer first. Take it or leave it — the choice stays yours.
We never ask for money first
No advance fee, before or during sign-up.
Done in minutes
One sign-up screen, straight from your phone.