Calculate your payments
I'd like to borrow
For how long?
Interest rates
*Estimates only. Your personalised rate (3.88% – 12% p.a.) depends on your credit profile.
Payment amount
RM597
Loan amount
RM30,000
Loan duration
60 months
- Total interest
- RM5,820
- Total repayment
- RM35,820
Get a Prime Credit loan in 3 simple steps
Congratulations, Aisyah!
You're pre-qualified for a special offer!
RM35,000
Loan amount
3.88%
Fixed rate
108 bln
Up to
1. See an offer in seconds
Get your loan amount and rate offer with zero impact on your CTOS or CCRIS score.
Customize your offer
Select the amount and tenure that suit your needs
RM35,000 ✎
Monthly payment:
RM597
2. Apply in minutes
Choose your amount and tenure, verify with MyKad e-KYC — no calls or branch visits required.
Congratulations on booking your loan!*
Expect your money via DuitNow by end of day tomorrow. Check your inbox for the full details of your loan.
3. Get funds in 24 hours
Money lands in your bank via DuitNow. Enjoy flexible repayment with zero early settlement fees.
Funds disbursed via DuitNow to every major Malaysian bank
Maybank, CIMB, Public Bank, RHB, Hong Leong Bank, Bank Islam, AmBank, Bank Rakyat, BSN, OCBC, UOB, Affin Bank
Welcome to award-winning borrowing
customers consolidated high-interest debt
in funded personal loans
Prime Credit customers and growing
Awards & recognition
Fintech Lender of the Year
Malaysia Fintech Awards
Best Digital Loan Experience
ASEAN Fintech Excellence
Responsible Lending Award
Consumer Credit Forum MY
Best Customer Service — Gold
CX Malaysia Awards
Top 10 Emerging Fintech
KL Startup Index
Great Workplace Certified
WorkLife Asia
Trusted by thousands of happy Malaysians
Excellent6,200+ verified reviews
Money & Insurance
4.9
Based on 6,200+ Google reviews
Nurul Aisyah
2 weeks ago
Consolidated 3 credit cards, now saving RM460 every month. Whole process done in one evening!
Tan Wei Jian
1 month ago
Kitchen done before Raya! Approved Tuesday, contractor paid Wednesday. Fixed instalment made budgeting so easy.
Ahmad Syafiq
3 weeks ago
Sangat mudah! Semak kadar 2 minit je, esok pagi duit dah masuk melalui DuitNow. Terbaik 👍
Siti & Farhan
2 months ago
Alhamdulillah, majlis kami berjalan lancar tanpa sentuh simpanan. Terima kasih Prime Credit!
Lee Mei Fong
1 month ago
两分钟查利率，第二天钱就到账。全程没有隐藏收费，值得推荐！
Jason Lim
3 months ago
Took the family to Langkawi. Settled the loan 8 months early after my bonus — rebate credited automatically 😄
Priya Nair
2 weeks ago
Customer service replied on WhatsApp within minutes, in English AND Tamil-friendly patience. Rare these days.
Devi Shankar
4 months ago
Eldest girl graduated! Education loan at 4.5%, way better than maxing our cards. Proud day.
Hafiz Rahman
1 week ago
Yang penting: TIADA bayaran pendahuluan. Lesen KPKT boleh semak online. Ini baru pemberi pinjaman sah.
Marcus Wong
2 months ago
Visited their KL office to be sure they're real — professional team, everything explained upfront.
Nurul Aisyah
2 weeks ago
Consolidated 3 credit cards, now saving RM460 every month. Whole process done in one evening!
Tan Wei Jian
1 month ago
Kitchen done before Raya! Approved Tuesday, contractor paid Wednesday. Fixed instalment made budgeting so easy.
Ahmad Syafiq
3 weeks ago
Sangat mudah! Semak kadar 2 minit je, esok pagi duit dah masuk melalui DuitNow. Terbaik 👍
Siti & Farhan
2 months ago
Alhamdulillah, majlis kami berjalan lancar tanpa sentuh simpanan. Terima kasih Prime Credit!
Lee Mei Fong
1 month ago
两分钟查利率，第二天钱就到账。全程没有隐藏收费，值得推荐！
Jason Lim
3 months ago
Took the family to Langkawi. Settled the loan 8 months early after my bonus — rebate credited automatically 😄
Priya Nair
2 weeks ago
Customer service replied on WhatsApp within minutes, in English AND Tamil-friendly patience. Rare these days.
Devi Shankar
4 months ago
Eldest girl graduated! Education loan at 4.5%, way better than maxing our cards. Proud day.
Hafiz Rahman
1 week ago
Yang penting: TIADA bayaran pendahuluan. Lesen KPKT boleh semak online. Ini baru pemberi pinjaman sah.
Marcus Wong
2 months ago
Visited their KL office to be sure they're real — professional team, everything explained upfront.
Prakash Raj
1 month ago
No hidden fees, settled 14 months early with zero penalty. Very transparent, very Malaysian-friendly support.
Aina & Danish
3 weeks ago
Kami rancang kewangan rumah pertama dengan kalkulator mereka dulu. Bila yakin baru mohon — lulus 24 jam!
Kelvin Teoh
2 months ago
服务态度很好，客服会讲华语。利率 3.88% 起是真的，不是钓鱼广告。
Farah Izzati
1 month ago
Claimed the SihatFit perk — gym membership 30% off on top of the loan. Didn't expect the extras!
Suresh Kumar
5 months ago
DSR saya tinggi sikit, tapi mereka terangkan cara kurangkan dulu instead of reject terus. Respect.
Adrian Choo
2 weeks ago
Elite member — skipped one payment during our Langkawi trip, zero penalty. Holiday saved 🏝️
Zulaikha M.
1 month ago
Baca artikel CCRIS vs CTOS mereka sebelum mohon. Ilmu percuma yang betul-betul membantu.
Farah (Support) 💚
3 weeks ago
Puan Farah dari support layan saya dengan sabar dalam BM, terang satu-satu sampai faham. 5 bintang!
Daniel Ooi
6 days ago
Compared 4 lenders over coffee. Only one showed total repayment upfront without asking for my IC first. Guess who.
Melissa Chan
4 months ago
Top-up approved after 6 on-time payments — new fryer and chiller for our nasi lemak stall. Business naik! 🙏
Prakash Raj
1 month ago
No hidden fees, settled 14 months early with zero penalty. Very transparent, very Malaysian-friendly support.
Aina & Danish
3 weeks ago
Kami rancang kewangan rumah pertama dengan kalkulator mereka dulu. Bila yakin baru mohon — lulus 24 jam!
Kelvin Teoh
2 months ago
服务态度很好，客服会讲华语。利率 3.88% 起是真的，不是钓鱼广告。
Farah Izzati
1 month ago
Claimed the SihatFit perk — gym membership 30% off on top of the loan. Didn't expect the extras!
Suresh Kumar
5 months ago
DSR saya tinggi sikit, tapi mereka terangkan cara kurangkan dulu instead of reject terus. Respect.
Adrian Choo
2 weeks ago
Elite member — skipped one payment during our Langkawi trip, zero penalty. Holiday saved 🏝️
Zulaikha M.
1 month ago
Baca artikel CCRIS vs CTOS mereka sebelum mohon. Ilmu percuma yang betul-betul membantu.
Farah (Support) 💚
3 weeks ago
Puan Farah dari support layan saya dengan sabar dalam BM, terang satu-satu sampai faham. 5 bintang!
Daniel Ooi
6 days ago
Compared 4 lenders over coffee. Only one showed total repayment upfront without asking for my IC first. Guess who.
Melissa Chan
4 months ago
Top-up approved after 6 on-time payments — new fryer and chiller for our nasi lemak stall. Business naik! 🙏
Bank-level security
Your data is protected with 256-bit encryption and handled under Malaysia's PDPA. Disbursements flow through regulated Malaysian banking partners. Your information belongs to you.
Human help, on tap
Real humans in Kuala Lumpur, Monday to Saturday — in Bahasa Malaysia, English and 中文. Chat live or visit our help centre anytime.
Full financial flexibility—really
You choose the amount, the tenure from 12 to 108 months, and the repayment schedule that works best for you. Settle early anytime, penalty-free.
As featured in The Star, New Straits Times, The Edge, Berita Harian, Sinar Harian, Astro Awani, Utusan Malaysia, Malay Mail
Borrow with confidence
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Quick answers to great questions
Prime Credit is a Malaysian digital lending platform offering personal loans from RM 2,000 to RM 200,000, 100% online. Check your rate in 2 minutes, verify with MyKad e-KYC, and receive funds via DuitNow as fast as 24 hours.
Yes. Prime Credit Sdn Bhd is a licensed money lender under the Moneylenders Act 1951 (licence WL1234/56/01-1/012026), regulated by KPKT — you can verify our licence on the KPKT online registry. We never ask for upfront payments or deposits, and your data is protected under the PDPA with 256-bit encryption.
Rates range from 3.88% to 12% per annum (flat), personalised to your credit profile. Tenures run from 12 up to 108 months — you pick the monthly payment that fits your budget.
No. You can settle your loan early at any time with zero penalty, and you'll receive a rebate on unearned interest for the remaining tenure.
Checking your rate uses a soft enquiry that has no impact on your CTOS or CCRIS records. A full credit check only happens if you decide to proceed with an application.
Malaysian citizens and permanent residents aged 21–60 with a minimum gross income of RM 2,000/month. Both salaried and self-employed applicants are welcome.