Borrow from RM1,000 at 1.5% to 10% a year, over 6 to 60 months. No collateral, no guarantor, and nothing to pay before your loan is released.
Move the slider and pick a tenure. Estimates use our full published rate range of 1.5% to 10% a year.
Representative example: RM10,000 over 12 months at 10% p.a. Total interest RM1,000, total repayable RM11,000, which is RM916.67 a month.
| Item | At 1.5% p.a. | At 10% p.a. |
|---|---|---|
| Monthly | RM858 | RM1,000 |
| Total interest | RM600 | RM4,000 |
| Total repayable | RM20,600 | RM24,000 |
Flat-rate estimate. Your exact rate is set after assessment and confirmed in writing before you sign.
No office visit needed. Everything can be done from your phone.
Fill in the short form below, or WhatsApp us your name, job and the amount you need.
An officer reviews your documents and calls you back to go through your rate, fees and monthly payment.
Once approved and you're happy with the terms, sign your agreement and the money goes into your bank account.
All licensed, collateral-free and assessed on what you can afford today.
For weddings, medical bills, home renovation, school fees or emergencies.
Example: RM10,000 over 12 months from RM846 a month
Apply for a personal loanCombine credit card balances and small loans into one structured monthly repayment.
Restructure what you already owe into a plan that fits your salary, over up to 60 months.
Everything they hide, we put in writing.
Licensed by KPKT under the Moneylenders Act 1951. Our licence number is at the bottom of this page.
You pay nothing before receiving your loan. No "processing fee", no "deposit".
The full range is right here. Yours is confirmed in writing before you sign anything.
Pick a tenure that fits your salary, so the monthly payment stays manageable.
Salaried applicants in KL and Selangor. We tell you upfront, so you don't waste time.
Protected under the PDPA 2010. We never sell your information or contact your employer without consent.
Scammers pose as licensed lenders on WhatsApp and Facebook. They ask for a "processing fee" or "deposit" before payout, then disappear.
A licensed lender never collects money before your loan is paid out. If anyone asks in our name, call or WhatsApp us on +60 16-801 6258.
We're not the cheapest for everyone. Here is where we actually stand.
Swipe to compare
| Criteria | Trust FundssLicensed money lender | BanksPersonal financing | Unlicensed"Ah Long" |
|---|---|---|---|
| Interest | 1.5% to 10% p.a., fixed in writing | Lower, if you qualify | Very high, changes without notice |
| Approval criteria | Based on your salary today | Strict credit checks | "Accepted", at a price |
| KPKT licence | Yes, verifiable | Bank Negara regulated | None |
| Upfront fees | None | Processing fees may apply | Scam "deposits" |
| Terms and agreement | Explained 1-to-1, Jadual J agreement | Written agreement | Rarely in writing |
| Your personal data | PDPA protected | PDPA protected | Threats and harassment |
How applicants describe the process, in their own words.
"The team explained the application requirements clearly and guided me through the process step by step."
"The application process was clear and the team explained the terms to me."
"The team was helpful in explaining the financing options and repayment terms."
"The process was straightforward, and I understood the terms before proceeding."
"I appreciated the clear communication and straightforward explanation of the financing terms."
Free eligibility check with no obligation. An officer contacts you to explain your terms.
You can apply if you are a Malaysian citizen living in Kuala Lumpur, Selangor or Putrajaya, employed in the private sector or government, earning at least RM3,000 a month with your salary paid into a bank account. Cash salary and self-employed income can't be accepted yet.
Your MyKad, latest payslip and a bank statement showing your salary credit. Everything can be sent over WhatsApp. The first eligibility check needs no documents.
From RM1,000 to RM100,000, depending on your salary, existing commitments and assessment.
Between 1.5% and 10% a year. Example: RM10,000 over 12 months at 10% p.a. is RM1,000 in interest, or RM916.67 a month. Your rate is confirmed in writing before you sign.
No. You pay nothing before receiving your loan. Any applicable fees are disclosed before you sign. Anyone asking for upfront payment in our name is a scammer; please report them to us.
It depends on how complete your documents are. Every application is reviewed before approval, and an officer keeps you updated on WhatsApp.
Ask your officer during the assessment. Early settlement terms are written into your agreement so you know them before you sign.
Before we connect you to WhatsApp, please answer 3 quick questions.
Question 1 of 3
If your situation changes, you're welcome to come back and apply.