LajuCredit FAQ

LajuCredit is an online financing platform for customers in Malaysia. You can explore available financing options, check the relevant information and start your application online.

There are several options available depending on what you need the funds for. These include personal loan, small business loans, debt consolidation and instant loan options. Each option has its own requirements, so it's worth checking the details before you apply.

No. The application can be started online through the LajuCredit website. Just make sure you're on the official LajuCredit website before entering any personal information.

Choose the financing option you're interested in and complete the application on our website. We'll ask for some basic information so your application can be assessed. In some cases, you may also need to provide additional information for verification.

This depends on the financing option you're applying for. Different applications may have different eligibility requirements. The easiest way to find out is to start an application and provide accurate, up-to-date information.

Have your personal and identification details ready. What else is required will depend on your application. If we need anything additional from you, you'll be informed during the process.

Your MyKad can be used as part of the identification and verification process. Depending on your application, we may ask for additional information before completing the assessment.

Yes. You can access LajuCredit from your phone and complete the available application steps online. There's no need to wait until you're at a computer to get started.

There isn't one fixed processing time for every application. It depends on factors such as the information provided, eligibility checks and whether any additional verification is needed. Providing complete and accurate information from the beginning can help avoid unnecessary delays.

No. An application is not a guarantee of approval. Every application needs to go through the relevant assessment and verification process first.

The amount available will depend on your eligibility and the financing option you choose. Before deciding on an amount, consider what you actually need and what you can comfortably manage within your budget.

This can vary from one application to another. Verification and other required steps need to be completed before funds can be processed. You'll receive the relevant information during the application process.

Your repayment schedule will depend on the financing arrangement you accept. Before accepting anything, take a moment to check the repayment amount, schedule, fees and other important terms. You should know what you'll need to repay before making a decision.

The relevant repayment details will be provided for you to review before you accept the financing arrangement. Don't just look at the amount you're receiving. Check the total repayment and any applicable charges as well.

Fees and charges can differ depending on the financing option and the terms offered to you. Check the applicable costs before accepting an offer. If something isn't clear, contact LajuCredit and ask before proceeding.

Get in touch with LajuCredit as early as possible. It's better to raise the issue early and understand what options may be available rather than leaving a repayment issue unresolved.

We take the handling of personal information seriously. For more information about how your information is collected, used and handled, please read our Privacy Policy.

You should never give your OTP, password or other sensitive account information to someone you don't trust. If you receive an unexpected message claiming to be from LajuCredit, don't rush to respond. Check through our official website or contact channel first.

Check the website address before entering your information. The official LajuCredit websites are www.lajucredit.com and www.lajucredit.net, which show the same site, and applications continue on our member portal at app.lajucredit.co. Be careful with unfamiliar links, especially if someone contacts you unexpectedly and asks for personal or financial information.