What is Prime Credit and how does it work?

Prime Credit is a Malaysian digital lending platform offering personal loans from RM2,000 to RM200,000, 100% online. Check your rate in 2 minutes, verify with MyKad e-KYC, and receive funds via DuitNow as fast as 24 hours.

What interest rate does Prime Credit offer?

Rates range from 3.88% to 12% per annum (flat), personalised to your credit profile. Tenures run from 12 up to 108 months.

Does Prime Credit charge early repayment fees?

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.

Is there an impact on my CTOS or CCRIS score?

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 proceed with an application.

Get to know us a little better

Here to make lending a little more personal. Learn more about the people and purpose behind Prime Credit.

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Borrow better with Prime Credit

Fair personal loans at competitive rates with no hidden fees — all from the comfort of your home.

Check your rate

Our Vision

We're guessing “getting a loan” isn't high on your “things I really wanna do” list.

So we made it as simple as possible: easy-to-understand terms, a straightforward application with an answer in under 10 minutes, and all done from the comfort of your couch, LRT ride, or mamak table.

Why we do what we do

Too many Malaysians are stuck between banks that take weeks and lenders that charge the earth. We believe fair credit — priced honestly, delivered fast, explained clearly in your language — should be the norm, not the exception.

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Our commitment

Better rates

Lower rates than most credit cards so you can consolidate your high-interest debt stress-free.

Better fees

The best kind of fees — zero account opening and annual fees. And repay your loan at any time with zero penalties.

Better features

Get payment reminders, change your payment date, and manage everything with a simple self-serve account.

Our journey so far

2024
Founded in Kuala Lumpur with one belief: fair credit should be the norm for every Malaysian.
2024
Licensed under the Moneylenders Act 1951 and regulated by KPKT.
2025
Crossed RM100 million disbursed and launched support in BM, English and 中文.
2026
28,000+ customers, RM320M+ funded, and Prime Elite launched for top credit profiles.

What we stand for

Telus

Transparent — every fee, every rate, every term in plain language before you sign. No footnote surprises.

Adil

Fair — pricing based on your real profile, not your postcode. Good conduct gets rewarded.

Pantas

Fast — answers in minutes, money in 24 hours. Your time is part of the cost, so we don't waste it.

Help us build fairer credit for Malaysia

We're hiring across engineering, risk and customer experience in Kuala Lumpur.

View careers