Is LajuCredit Legitimate?
A fair question, and one worth asking of any lender. This page gives you our licence details and shows you how to verify them yourself with KPKT — rather than just asking you to take our word for it.
Who the lender actually is
LajuCredit is a trading name. The licensed lender — and the name that appears on your loan agreement — is Kilat Amanah Sdn Bhd. When you check the licence with KPKT, search for that company name, not "LajuCredit". Trading under a different name is ordinary and lawful, but we state it here so you are not left wondering when you see it.
Our licence details
| Licensed entity | Kilat Amanah Sdn Bhd |
|---|---|
| Company Registration No. | 202606201438 (1506196-P) |
| Moneylender Licence No. | WL2939/06/20-5/383759 |
| Advertising Permit No. | WP2731/06/20-5/288713 |
| Licence validity | 1/08/2026 – 31/07/2027 |
| Registered address | 21-21, Megan Avenue 2, Jalan Yap Kwan Seng, 50450 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur, Malaysia |
How to check for yourself
You do not have to take our word for it. Every licensed moneylender in Malaysia is registered with KPKT, and anyone can look it up.
Go to the official KPKT site
The Ministry of Housing and Local Government at kpkt.gov.my oversees every licensed moneylender in Malaysia through its Community Credit Control Division.
Search by company name
Use Kilat Amanah Sdn Bhd — the licensed entity — rather than the trading name.
Match the licence number
Ours is WL2939/06/20-5/383759. A valid moneylender licence number begins with "WL".
Check the validity period
Ours runs from 1/08/2026 to 31/07/2027. An expired licence means the company may not lend.
Check the advertising permit
Advertising a moneylending service needs a separate permit. Ours is WP2731/06/20-5/288713.
The same steps work for any lender, not just us. If a company cannot give you a licence number you can check, that is your answer.
What we will never ask for
Scammers use the names of licensed companies precisely because those names carry confidence. There are more answers in our frequently asked questions. Here is what LajuCredit will never ask of you, whatever reason is given:
- Any upfront payment before the loan reaches your account — charges are deducted from the loan amount or repaid on schedule.
- Your account password, whether for LajuCredit or your internet banking.
- An OTP verification code sent to your phone.
- A transfer to anyone's personal account. We never ask for payment into an individual's account.
- A copy of your MyKad over a personal messaging app from an unknown number.
If anyone asks for any of the above in LajuCredit's name, stop the conversation. It is not from us.
Our official channels
We only make contact through these channels and by email at [email protected]. Any other account or number using the LajuCredit name is not ours.
If you come across an impostor
Email us at [email protected] with whatever details you have, so we can warn others. Lending scams can also be reported to KPKT, which oversees moneylender licensing, and to the police.
Frequently asked questions
Why is the company name different from LajuCredit?
LajuCredit is a trading name. Kilat Amanah Sdn Bhd is the licensed company that makes the loan, and its name appears on your agreement. Search for that name when checking with KPKT.
How do I know the licence is still valid?
Ours runs from 1/08/2026 to 31/07/2027. The validity period is shown alongside the licence record at KPKT.
Does LajuCredit ask for payment before approving a loan?
Never. Anyone asking for an advance payment in our name is defrauding you.
What is the difference between a licensed and an unlicensed lender?
A licensed moneylender is registered under the Moneylenders Act 1951, has a licence number you can check, is bound by interest rate limits, and uses a written agreement. An unlicensed lender is bound by none of it.
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