Personal financing online in Malaysia
PutraLoan offers personal financing handled entirely online. This page sets out who is eligible, what happens after you apply, and where your actual cost is determined.
Product terms
We do not publish a terms table on this page. The amount, term and full cost offered to you depend on your profile and an eligibility check — the actual calculation is made and shown to you inside the application.
Every fee and charge, and the total repayable, is itemised during your application — before you confirm anything.
Who can apply
- Malaysian citizen or permanent resident
- Between 18 and 55 years old
- A valid MyKad
- An active bank account in your own name
You do not need a payslip to start an application. Supporting documents may be requested during review, depending on your profile.
Meeting these requirements does not guarantee approval. Every application is subject to an eligibility check.
How it works
Verify your number
A one-time code is sent to your phone. You choose a six-digit PIN and confirm your identity with your MyKad.
Pass verification
Checks run in the background. The status is shown to you; you do not have to contact anyone to ask.
Review your options
The amount, term and every fee are itemised. There is no obligation to take any of them.
Receive your money
Once you confirm with your PIN, the proceeds are paid to a bank account in your own name.
A licensed moneylender
PutraLoan is a trading name. The company that holds the licence — and whose name appears on the agreement you sign — is Putra Berjaya Sdn Bhd. If you are checking the KPKT register, search for that company name, not "PutraLoan".
| Licensed entity | Putra Berjaya Sdn Bhd |
|---|---|
| Company Registration No. | 198501012800 |
| Moneylender Licence No. | WL6146/14/01-5/151027 |
| Advertising Permit No. | WP3741/01/20-7/228313 |
| Licence validity | 1/07/2026 – 1/07/2027 |
| Registered address | L34-05-03, IB Tower, Lorong Binjai, 50450 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur, Malaysia |
Licensed moneylenders in Malaysia are regulated by the Ministry of Housing and Local Government (KPKT) under the Moneylenders Act 1951. The licence and the advertising permit are two separate documents, and both must be displayed in advertising material.
Frequently asked questions
How much can I apply for?
Your limit depends on your profile and an eligibility check. The amount offered is shown to you inside the application before you agree.
How long is the financing term?
The term offered to you is set during your application, alongside the amount and the full cost.
What does it cost?
The full cost is shown to you during your application, before you confirm anything. We do not publish a rate on marketing pages because it depends on the amount and term you choose.
Do I have to pay anything to apply?
No. Applying is free, and we never ask for an upfront payment before your financing is released. Anyone who does is not acting for us.
Can I settle early?
Yes, at no additional cost.
Is PutraLoan licensed?
Yes. PutraLoan is the trading name of Putra Berjaya Sdn Bhd, which holds moneylender licence WL6146/14/01-5/151027.
The amount, term and full cost offered to you are set during your application — the actual calculation is shown in the app before you confirm anything.