About us
A moneylender you can check before you trust
We are a licensed moneylender registered in Kuala Lumpur, lending entirely online to individuals and small businesses across Malaysia. We started with one rule: a customer should understand every ringgit of a loan before they sign for it.
Why we work the way we do
Too many Malaysians borrow from people they found through an SMS or a roadside banner, without knowing the rate, the total cost or even the company's real name. Some end up dealing with illegal lenders who charge far beyond the legal limit and use threats to collect.
We built this service to be the opposite. Our rates sit inside the limits set by the Moneylenders Act 1951, and we show both the flat rate and the effective annual rate so you can compare us honestly with anyone else. We don't collect your IC number on this website and we never ask for money upfront. A licensed officer verifies you on a short video call, and every agreement is a Schedule J contract that we walk you through line by line before you sign it electronically. It is stamped with LHDN and a copy is yours to keep.
How we lend
- Affordability first
- We look at your income and existing commitments and keep your total monthly repayments at a level you can sustain. Sometimes that means offering less than you asked for.
- Every cost in writing
- Interest, stamp duty and the late-payment rule are explained before you sign and written in your Schedule J agreement. Nothing is added later.
- No pressure, no rollovers
- Take as long as you need to think an offer over — it stays in writing on your phone. We don't push top-ups or new loans to cover old ones.
- Respectful collection
- If you fall behind, we talk to you — never to your family or employer — and we work out a plan together.
Licence and registration
- Company
- MyBank Credit Sdn. Bhd.
- Company no. (SSM)
- 200001004910 (507515-H)
- Moneylending licence
- WL7152/14/01
- Licence valid until
- 2028-12-31
- Regulator
- Ministry of Local Government Development (KPKT)
- Registered office
- Level 10, Menara Contoh, Jalan Contoh, 50450 Kuala Lumpur
The company details on this page are sample data and will be replaced with our registered details before launch.
How we serve you
- Everything happens online: your enquiry, our WhatsApp or call, a short video call to verify you, e-signing and the transfer to your bank account.
- We only contact you from the phone and WhatsApp number on this website, and documents are sent only through that official WhatsApp — never through this form.
- Wherever you are in Malaysia, you deal with the same licensed officers, in English, Bahasa Malaysia or Chinese.
011-2345 9635 · WhatsApp · hello@mybankcredit.example
Service hours
Mon–Fri 9:00am–6:00pm, Sat 9:00am–1:00pm
Registered office (no walk-in)
Level 10, Menara ContohJalan Contoh
50450 Kuala Lumpur
Required for our licence. We don't serve customers at this address — please WhatsApp or call us instead.
Have a question before you apply?
Call, WhatsApp or send us a message — a real person replies, usually the same working day and at the latest the next working day.