As featured in The Star, New Straits Times, The Edge, Berita Harian, Astro Awani, Malay Mail
What Malaysians spend on renovations
Plan your budget with typical costs — then borrow exactly what you need, no more.
Kitchen makeover
RM15,000 – RM45,000
Bathroom refresh
RM8,000 – RM20,000
Full interior reno
RM50,000 – RM150,000
Painting & flooring
RM3,000 – RM12,000
Why renovate with Prime Credit
Fixed payments, no collateral, funds when your contractor needs them
No collateral. No refinancing. No drama.
Our renovation loans are unsecured — your home stays untouched, your mortgage stays as-is, and you still get up to RM200,000.
Fixed rate, fixed budget
Lock in 3.88%–12% p.a. so surprise costs never derail your project.
Fast contractor deposits
Funds via DuitNow in as fast as 24 hours — book your contractor before prices go up.
Tenure that fits
Spread payments across 12 to 108 months to keep instalments comfortable.
Settle early, pay less
Finish the loan whenever you like with zero early settlement fees.
Trusted by thousands of happy Malaysians
“We redid our whole kitchen and wet kitchen before Raya. Approved on Tuesday, contractor paid on Wednesday. The fixed instalment made budgeting so much easier than maxing our cards.”
— Tan Wei Jian, Penang
6,200+ verified reviews
Can you apply?
Two minutes to check, three documents to prepare.
You can apply if you are…
- A Malaysian citizen or permanent resident
- Aged 21 – 60 years old
- Earning a gross income of RM2,000+/month
- Salaried or self-employed — both welcome
Documents you'll need
- MyKad (front & back, for e-KYC)
- Salaried: latest 3 months' payslips + EPF statement
- Self-employed: 6 months' bank statements + SSM registration
That's it — no guarantor, no collateral, no branch visits.
How to get your loan online
Congratulations, Aisyah!
You're pre-qualified for a special offer!
RM35,000
Loan amount
3.88%
Fixed rate
108 bln
Up to
Check your rate in seconds
Find out how much you can borrow and your rate offer — without impacting your credit score.
Customize your offer
Select the amount and tenure that suit your needs
RM35,000 ✎
Monthly payment:
RM597
Complete your application in minutes
Only a few MyKad e-KYC verification steps remain. No branch visit, no lengthy paperwork.
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.
Get your loan in 24 hours
Funds land via DuitNow. Pay on your terms with flexible payments and no early settlement fees.
Checking for an offer won't impact your credit score
Learn more before you borrow
Not sure which loan is right for you? Check out our knowledge hub.
Home renovation loans FAQ
From RM2,000 up to RM200,000, depending on your income and credit profile — enough for anything from a repaint to a full interior renovation.
No. Prime Credit renovation loans are unsecured personal loans — we never take a charge over your property and your mortgage is unaffected.
Once approved, funds arrive in your bank account via DuitNow as fast as 24 hours. You pay your contractor directly on your own schedule.
Yes — after 6 months of on-time payments you can apply for a top-up, subject to your updated credit assessment.
Ready to see your rate?
It takes 2 minutes — with no impact on your CTOS or CCRIS score.