Kuala Lumpur · Selangor
KL Fast Loan lends under the Moneylenders Act 1951. A decision on your application in 30 minutes, funds the same working day. RM1,000 to RM100,000 at a fixed 1.5% per month — no compounding, no upfront fees.
About a minute. No documents yet, and no effect on your credit file.
Based on what you have told us, this application falls outside what we are able to approve right now. Your details have been recorded and an officer may still call if anything changes.
If money is tight, AKPK offers free and independent debt counselling — no fees, no obligation.
Visit AKPKOne of our loan officers will call you from a Malaysian number within 30 minutes during office hours. Keep your phone nearby.
Message us on WhatsApp insteadWe hold a KPKT moneylending licence and every agreement is written under the Moneylenders Act 1951.
Nothing to pay to apply, to be approved, or to release your funds. Not a deposit, not a "processing fee".
We never hold your bank card, PIN, IC or passport as security. Any lender who asks is breaking the law.
1.5% flat per month on the original amount. Your repayment is identical every month until the last one.
Before you borrow from anyone
Most people who get into trouble borrowing money in Malaysia were never told what a legal loan is supposed to look like. Here is the test — apply it to us, and to everyone else you speak to.
One product, no small print
A flat 1.5% per month on the original amount, over six to sixty months. That is the whole offer — there is no second product with different small print.
For medical bills, school fees, a car repair, consolidating credit card debt, or a month that simply ran short. Assessed on your salary and how long you have held your job.
No call centre, no chatbot
The person who calls you back is the person who assesses your file, answers your questions and sits across the desk when you sign. You will have their direct number.
Application to money in the bank
Ten fields, about a minute. No documents at this stage and nothing is filed against your credit record.
A named officer from our Subang Jaya office rings you on a Malaysian number, confirms the amount and tenure, and tells you what you'd repay each month.
IC, payslips and a bank statement, by WhatsApp or email. We verify and confirm your approved amount in writing.
You read and sign the agreement — at our office or attested remotely — and the funds go into your own bank account.
Be honest with yourself here
We'd rather tell you no in thirty minutes than string you along for a week. This is the whole picture.
All of these need to be true.
A bank would decline these. We look at them case by case.
Nothing hidden — do the maths yourself
Flat 1.5% per month on the original amount. Every monthly instalment is identical, and the figure below is the whole payment — principal and interest together.
| Loan amount | 12 mth | 24 mth | 36 mth | 48 mth | 60 mth |
|---|---|---|---|---|---|
| RM 5,000 | 492 | 283 | 214 | 179 | 158 |
| RM 10,000 | 983 | 567 | 428 | 358 | 317 |
| RM 20,000 | 1,967 | 1,133 | 856 | 717 | 633 |
| RM 30,000 | 2,950 | 1,700 | 1,283 | 1,075 | 950 |
| RM 50,000 | 4,917 | 2,833 | 2,139 | 1,792 | 1,583 |
| RM 100,000 | 9,833 | 5,667 | 4,278 | 3,583 | 3,167 |
From people we have lent to
Build note — the screenshots are already redacted (names, avatars, account numbers, references and addresses are blacked out). Before go-live, confirm you hold each customer's consent to publish their messages, then delete this note.
These are unedited screenshots of real WhatsApp conversations with borrowers. Every name, phone number, bank account number and address has been blacked out — the rest is exactly as it was sent. Tap any one to read it full size.
Messages are shown in the language they were written in — most of our customers write to us in a mix of Malay and English, and we have not tidied that up.
Your guidance made the process easy and stress-free.
tq boss 🙏 Terima kasih tolong.
U banyak senang nak deal.
Thank you so much david, you sangat baik dengan i.
Terima kasih banyak2 ya Mr David. You sgt baik.
Thanks ya david for helping when i needed ya.
Straight answers
A decision on your application in about 30 minutes during office hours — that's a real answer on whether we can lend and how much, not an automated email. Money reaches your account within about two hours of you signing, provided your documents are in order. Apply after 6pm or on a Sunday and you'll hear from us first thing the next working morning.
No. Our loans are unsecured — no guarantor, no property, no car grant, no post-dated cheques. We assess you on income and repayment history.
Yes, and a large share of our borrowers are in exactly that position. A CTOS or CCRIS entry, a past default, or an active AKPK plan doesn't automatically disqualify you. What matters is your income now and whether the instalment leaves you enough to live on. If it doesn't, we'll tell you so rather than lend you money you can't repay.
Nothing to apply and nothing to be approved. The only deductions permitted under the Moneylenders Act are the legal stamp duty and attestation cost on the agreement, and those are disclosed in writing before you sign and deducted from the disbursement — never collected from you in advance. If anyone claiming to be us asks you to transfer money first, it is a scam. Stop and call our office number below.
1.5% flat per month calculated on the original loan amount, which is 18% a year — the statutory ceiling for an unsecured loan under the Moneylenders Act 1951. It does not compound, and it does not change if you're late. The repayment table above shows exactly what that means in Ringgit for every loan size we offer.
Your IC, three months of payslips and three months of bank statements. If you are paid in cash we will work from your bank-in records instead. WhatsApp photos are fine — they do not need to be certified.
Not at the moment. We lend to Malaysian citizens with a valid IC only.
You can settle at any point. We recalculate the outstanding interest so you only pay for the months you actually held the loan, and there is no early-settlement penalty. Call the office and we'll issue a settlement figure the same day.
Check the licence. Our SSM and KPKT numbers are printed at the top and bottom of this page, and you can verify any moneylending licence on the KPKT register. Beyond that: we have a registered office you can visit, we put the agreement in front of you before money moves, and we will never ask you for a payment, your ATM card or your PIN. If something feels wrong at any point, walk away — from us or from anyone else.
Talk to a person
Call, WhatsApp, or walk in during office hours and ask for a loan officer. If you'd rather have us call you, the form at the top of this page is the fastest route.
