The loan documents checklist: what to prepare for your video verification

Why lenders ask for documents

A responsible lender has to answer two questions before lending: are you who you say you are, and can you afford the repayments without hardship? Documents are how those questions get answered. Without them, a lender either has to say no or has to guess — and a lender that is happy to guess is not looking after your interests.

For licensed moneylenders there's a legal reason too. KPKT allows licensed moneylenders to lend online, provided they properly verify the borrower's identity, keep proper records of every loan and use the prescribed Schedule J agreement. That's why we never take your identity details through a web form. Instead, a licensed officer verifies you on a 15–20 minute video call, where you hold your MyKad up to the camera, and your documents reach us only through our official WhatsApp number shown on this site.

If you're a salaried employee

If you've changed jobs in the last six months, also prepare your offer letter or contract from the new employer. It helps us understand your income going forward rather than relying only on older payslips.

If you're a civil servant or work for a GLC

• Your MyKad and staff card, both shown on the video call
• Latest 3 months' payslips, which show any existing salary deductions such as koperasi or housing loans
• 3 months' bank statements
• A letter confirming you are in permanent service, if your payslip doesn't show it

Your payslip deductions matter. Civil servants often already have several deductions through Biro Angkasa, and we include them when working out what you can afford. Our salary loan is repaid by transfer, not deduction, so it doesn't use your deduction limit — but the money still has to come out of your take-home pay.

If you're self-employed

Self-employed people are often told they 'can't get a loan'. That's not true — it's just that your income has to be shown differently. What we look for is a steady pattern of money coming in over at least six months.

• Your MyKad, shown on the video call
• 6 months' bank statements for the account where your income is paid
• Your latest Borang B and its LHDN acknowledgement
• SSM registration, if your business is registered
• Invoices or contracts from regular clients, if you have them

If you're a gig or platform worker

E-hailing drivers, delivery riders and freelancers on online platforms have income that changes week to week. We average it over six months, so a quiet month won't count against you on its own.

• Your MyKad, shown on the video call
• 6 months' bank statements showing platform payouts
• Earnings statements downloaded from the platform app, covering the same months
• Your i-Saraan EPF contribution statement, if you contribute
• Your latest Borang B, if you file one

If you own a small business

If the loan is to fulfil a specific order or contract, send a copy of that too. A purchase order from a reliable customer can make a real difference to how much we're able to lend.

Proof of what you already owe

The third thing every lender needs is a clear picture of your existing commitments, because they decide how much more you can safely take on. Most of this appears on your payslip, bank statements and CCRIS report, but it helps to prepare a simple list so nothing is missed or double-counted.

• Home loan and car hire-purchase instalments, with the bank and monthly amount
• PTPTN or other education loan repayments
• Credit card limits and current balances
• Personal loans, koperasi loans and Buy Now Pay Later plans
• Any informal debts to family or friends that you repay regularly

Being upfront about commitments never counts against you. Discovering a hidden one later does, because it means the instalment we agreed may not be affordable after all.

How to prepare for your video verification

1. 1

   Download statements a few days before

   Most banks let you download six months of e-statements from their app as PDFs. Save them on your phone so you can send them straight from there — the original PDF is clearer and easier to check than a photo of a printout.

2. 2

   Check the dates

   Make sure statements and payslips are the most recent months. Lenders need current information, not last year's.

3. 3

   Take clear photos of paper documents

   For anything that only exists on paper, photograph it flat, in good light, with all four corners and every line readable. Blurry or cropped photos are the most common reason we have to ask again.

4. 4

   Send them only to our official WhatsApp

   After we contact you quoting your reference number, send your documents to the official WhatsApp number shown on this site — never to any other number, and never through a web form. Then, on the video call, have your physical MyKad in hand to show on camera. Find a quiet spot with a steady connection; the call takes 15–20 minutes, and a family member is welcome to join you.

What happens to your copies

Copies of your documents become part of the loan file that licensed moneylenders are required to keep. Once received, they are moved off the chat into our secure loan records, with access limited to the staff handling your application, and used only for your loan. If you don't take a loan, we delete them. If you do, we keep them for seven years after the loan is settled, as the law requires, and then destroy them. We never ask you to hand over or courier your MyKad, ATM card or bank book.

Questions

What to do next

Send an enquiry online and tell us how you earn — it takes about three minutes and asks for no IC number or documents. When we WhatsApp or call you, we'll confirm exactly which of these documents you need, so you only gather what's necessary before your video verification.