How it works
Five steps, fully online, no surprises
You never need to visit an office. You send an enquiry here, a licensed officer verifies you on a short video call, you e-sign a proper Schedule J agreement, and the money goes into a bank account in your own name. Your IC number and documents never go through this website: they are handled privately with your officer, through our official WhatsApp only.
- Steps, all online
- 5
- Usual reply, next working day at the latest
- Same day
- Upfront fees
- RM 0
- 1
Send an enquiry online
Time: 3 minutes
We will
- Show you an estimate before you send anything
- Give you a reference number so you can recognise our messages
- Keep your details private and use them only to contact you
We will never
- Ask for your IC number, bank details or documents on this website form
You'll need to
- Choose a loan, amount and period
- Give your name, mobile number and a rough income range
- 2
We WhatsApp or call you
Time: Usually the same working day
We will
- Contact you only from the official WhatsApp number shown on this website, quoting your reference number
- Explain which loan fits, a realistic amount and the documents to prepare
- Arrange a video call at a time that suits you
We will never
- Ask for any payment, password, TAC or online-banking login
- Pressure you to commit on the phone
You'll need to
- Answer a few questions about your income and existing loans
- Save our official number so you can always tell it's really us
- 3
Verify online
Time: 15–20 minutes, video call
We will
- Verify you on a short video call with a licensed officer, who quotes your reference number first
- With your consent, check CCRIS and CTOS
- Work out an instalment that fits your budget and show you the full cost in writing
We will never
- Ask you to hand over or courier your MyKad, ATM card or bank book
- Ask you to send documents anywhere except our official WhatsApp
You'll need to
- Show your MyKad on camera, front and back
- Send the documents on the checklist below through our official WhatsApp only
- Ask anything you're unsure about
- 4
e-Sign your Schedule J agreement
Time: When you're ready
We will
- Send the agreement to you digitally and walk through every line on a call, in your language
- Stamp it with LHDN through e-stamping and send you the stamped copy
We will never
- Ask you to sign a blank or incomplete page
- Add any charge not written in the agreement
You'll need to
- Check the amount, rate, instalments and total repayable before you sign
- Take as long as you need to think it over first
- Sign electronically once you're happy
- 5
Receive your money
Time: Same or next working day
We will
- Pay the full loan amount into a bank account in your own name
- Send your repayment schedule and the ways you can pay
We will never
- Charge any upfront or 'processing' fee before disbursement
- Deduct anything except the stamp duty shown in your agreement
You'll need to
- Set up a standing instruction or a reminder for each due date
Check your eligibility
Five questions, about 30 seconds. This runs only in your browser — nothing is sent to us or stored, and it doesn't touch your credit record.
What to prepare for your video verification
Have your original MyKad with you for the call. Send everything else as clear photos or PDFs through our official WhatsApp only, never by email or through this website. If something is missing, we can still go ahead with the call and tell you what to send later.
Private-sector employees
- MyKad, to show on camera
- Latest 3 months' payslips
- 3 months' bank statements showing salary
- Latest EPF statement
Civil servants and GLC staff
- MyKad, to show on camera, and your staff card
- Latest 3 months' payslips
- 3 months' bank statements
- Letter of confirmation in service
Self-employed and gig workers
- MyKad, to show on camera
- 6 months' bank statements showing your earnings
- Latest Borang B, or platform earnings statements
- SSM registration, if registered
SME owners and directors
- MyKad of each owner or director, each shown on camera
- SSM business or company profile
- 6 months' business bank statements
- Latest management accounts or Borang B / P
Questions about the process
- Yes. KPKT allows licensed moneylenders to lend online, as long as they properly verify the borrower's identity and use a Schedule J agreement. That is exactly what we do: a licensed officer verifies you on a video call, and your agreement is a Schedule J stamped with LHDN. Check our licence number in the footer against KPKT's list of licensed moneylenders.
- For most salaried applicants with complete documents: a WhatsApp or call from us usually the same working day (at the latest the next), a 15–20 minute video call at a time that suits you, and money in your account the same or next working day after you e-sign.
- Yes. Many people have a spouse or family member sit with them or join the call. Only the borrower signs, but anyone you trust is welcome to listen and ask questions.
- Tell us when we contact you. We can often arrange an early-morning, lunchtime, evening or Saturday-morning call. All you need is a phone with a camera and a stable connection.
- The call comes from the official number shown on this website, and the officer quotes your enquiry reference number before asking you anything. If either of those doesn't match, end the call and message our official WhatsApp number instead.
- We'll tell you why on the call. Sometimes a smaller amount or a longer period works. If borrowing isn't right for you, we may suggest AKPK's free counselling instead.
- No. It runs entirely in your browser. Nothing is sent to us or stored, and it doesn't affect your credit record.
Start with step one
It takes three minutes, and there's no fee or obligation.
Get a quote