As featured in The Star, New Straits Times, The Edge, Berita Harian, Astro Awani, Malay Mail
Skip the credit card trap
Swiping big purchases at 15–18% p.a. compounds fast. A fixed personal loan gives you one predictable instalment, a real payoff date, and a rate that can be less than a quarter of your card's.
Checking for an offer won't impact your credit score
Credit card
18% interest rate
RM225
Interest per month
Prime Credit personal loan
3.88% interest rate
RM49
Interest per month
RM15,000 principal amount · Example is for illustration purposes only.
Why Malaysians choose Prime Credit
Fair, fast and flexible — the way borrowing should be
No guarantor. No collateral. No branch queues.
Apply with just your MyKad and income documents — salaried or self-employed — entirely from your phone.
Fixed monthly payments
Know exactly what you pay every month until you're done.
Personalised rates
3.88%–12% p.a. based on your profile — good credit gets rewarded.
Funds in 24 hours
Approved money lands via DuitNow, often the next morning.
Zero early settlement fees
Windfall? Bonus? Settle anytime and save on remaining interest.
How Prime Credit compares
The honest maths of your borrowing options in Malaysia.
| Prime Credit | Credit card | Typical bank loan | |
|---|---|---|---|
| Interest rate | 3.88% – 12% p.a. flat | 15% – 18% p.a., compounding | 4.5% – 8% p.a. flat |
| Time to funds | As fast as 24 hours | Instant — and the debt revolves | 3 – 14 working days |
| Guarantor / collateral | Never | None | Sometimes required |
| Early settlement | Free, with interest rebate | N/A — balance revolves | Penalty may apply |
| Tenure | 12 – 108 months, you choose | Open-ended (dangerous) | 12 – 84 months |
Trusted by thousands of happy Malaysians
“I needed RM40,000 for my wedding and honeymoon. Prime Credit approved me at 4.5% in one evening — no guarantor, no drama. We even settled 14 months early with no penalty.”
— Prakash Raj, Johor Bahru
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.
Personal loans FAQ
Almost anything legal — weddings, travel, education, medical bills, gadgets, emergencies or consolidating other debts. We'll ask the purpose during application.
No. All Prime Credit loans are unsecured and guarantor-free. Your rate is based on your own income and credit profile.
Your MyKad plus proof of income: latest payslips and EPF statement for salaried applicants, or bank statements and business registration for the self-employed.
Most approved customers receive funds via DuitNow within 24 hours of signing their digital agreement.
Ready to see your rate?
It takes 2 minutes — with no impact on your CTOS or CCRIS score.