100% online · MyKad only

Personal loans
up to RM10,000

Apply straight from your phone. No branch visit, no long forms.

How much do you need?

RM1,000
RM100RM10,000
+60

Your number will be filled in for you on the next page.

Your amount, period and full costs are shown after you log in — before you confirm anything.

Your details are sent over an encrypted connection.

Transparency

Sample Loan Calculation

A loan of RM2,000 for a period of 120 days (4 months). Interest is calculated as follows: RM2,000 × 1.5% per month × 4 months = RM120. The total repayment, including all interest and fees, is therefore RM2,000 + RM120 = RM2,120.

Total repaymentRM2,120

Product Information

Minimum Loan Period
91 days
Maximum Loan Period
180 days
Interest Rate
Shown during your application

MyKad only

That is all you need to get started.

Entirely online

Apply from anywhere, at any time.

No upfront payment

We never ask for payment before your money arrives.

Clear terms

Every charge and term is shown before you confirm.

Reviews

What our customers say

From people who have used LajuCredit.

  • I forgot my payment date because I was so busy. When the collector called, he spoke properly, no harsh words. If every collector were like this it would be a good thing.

    Syafiq M.

  • Good service, thank you. I apologised for forgetting and they simply understood. Very helpful all round.

    Izzati K.

  • I asked them to consider helping me clear my arrears. They did, and I only had to repay the principal. Thank you for the consideration shown.

    Farah L.

  • Just finished settling my loan on the app. The process was quick and very easy, and customer service was excellent — always polite. You can negotiate the terms too, they're not rigid. The rate is reasonable. Really recommended!

    Aiman R.

  • Fast and simple process. When I asked questions they answered quickly. And you can negotiate the amount and the repayment period — genuinely flexible.

    Nurul H.

  • I asked about settlement. They checked and explained my balance clearly, and told me the release letter would be sent within three working days. Thank you for the good service — the collector was very soft spoken.

    Hakim Z.

Real reviews from customer WhatsApp conversations. Names have been changed to protect their privacy.

How to apply

Apply in 3 steps

  1. 01

    Submit your application

    Pick the amount you need, verify your mobile number, and complete a short online form.

  2. 02

    Eligibility check

    We review your details, then come back to you with a decision and your full terms.

  3. 03

    Receive your funds

    Once you accept the offer, funds are transferred straight to your bank account.

Eligibility

Am I eligible?

Check the basic eligibility criteria before you apply.

  • Malaysian citizen or permanent resident
  • Between 18 and 55 years old
  • Have a regular source of income
  • Have a bank account in your own name

Meeting these criteria does not guarantee approval. Every application is subject to an eligibility check.

Why LajuCredit

Simple, clear and secure

Designed for phones

The entire application runs on your phone, start to finish.

No hidden costs

Interest and charges are shown in full ringgit figures before you agree.

Real people to help

Got a question? Our team stays with you through the process.

Encrypted data

Your personal details are sent over an encrypted connection.

FAQ

The questions people ask most

How much can I borrow?

You can apply for anywhere from RM100 to RM10,000. The amount offered to you depends on your eligibility check and financial profile.

What documents do I need?

To start an application you only need your MyKad and a mobile number. Supporting documents such as proof of income may be requested during the review.

How long does it take?

The online form takes a few minutes. Review times vary from application to application, and we will come back to you with a decision.

What is my interest rate?

Your rate is set after your eligibility check. It is shown to you, along with your full repayment schedule and every charge, before you agree to anything.

Do I have to pay anything to apply?

No. Applying is free. We never ask for an upfront payment before your loan is disbursed. Anyone who asks you for one is not acting for us.

What happens if I miss a payment?

Late payments can incur charges and affect your credit record. If you are having trouble paying, contact us as early as you can so we can talk through your options.

Is my information safe?

Information you submit through this site is encrypted in transit and used to process your application.

Can I apply if I am self-employed or have no payslip?

Yes. What matters is a regular source of income, not a payslip specifically. If you are self-employed, other forms of proof of income may be requested during the review.

How do I check my application status?

Log in to your account with the mobile number you registered. Your current status is shown there.

Which bank account do the funds go to?

A bank account in your own name, which you provide during the application. We do not disburse to third-party accounts.

Will LajuCredit contact me?

We may contact you about your application on the number you provided. We will never ask you for an upfront payment, your PIN, or your online banking password. Anyone who does is not acting for us.

Can I apply again if my application is unsuccessful?

Yes. Every application is assessed on your information at the time, so the outcome can change as your circumstances do.

Payments

Payment Methods

  • DuitNow
  • FPX
  • Touch 'n Go eWallet
  • GrabPay
  • Boost
  • ShopeePay

Ready to start?

Enter your mobile number and we will take you straight to the application form.

  • Applying does not commit you

    See your offer and the full terms first, then decide.

  • No upfront payment

    We never ask for payment before your money arrives.

  • Only takes minutes

    A short form, straight from your phone.

How much do you need?

RM1,000
RM100RM10,000
+60

Your number will be filled in for you on the next page.

Your amount, period and full costs are shown after you log in — before you confirm anything.

Your details are sent over an encrypted connection.