Personal Loans
For income from RM1,800 with flexible tenure between 6 months and 5 years.
iKasih Credit • Licensed Personal Loans
Licensed Personal Loans for KL & Selangor Residents
Licensed moneylender (WL6283/03/12) since 2003. We help customers understand requirements, supporting documents and repayment commitments before applying.
For income from RM1,800 with flexible tenure between 6 months and 5 years.
Special rates from 2.8% p.a. for government and GLC employees.
Combine credit cards or other loans into a single, lower monthly payment.
*Initial review can be fast, but approval, rates and eligible amount remain subject to assessment, complete documents and income verification.
iKasih Credit Blog & Financial Articles
Financial tips, loan guides, and practical money advice to help you make smarter borrowing decisions. Stay updated on personal loans in Malaysia.
Step-by-step guide covering eligibility, required documents, and approval tips for Malaysians applying for licensed personal loans.
Category: Loan Guide
Learn how to budget, save consistently, and avoid unnecessary debt. Practical advice tailored to the current cost of living.
Category: Money Tips
Understand the pros and cons of licensed money lenders compared to traditional bank loans, so you can choose the right financing option.
Category: Comparison
Financial tips, loan guides, and useful articles to help you make better financial decisions
Comprehensive guide about personal loans in Malaysia - from loan types, eligibility requirements, application process to tips for getting the best interest rates.
Complete comparison between bank loans and licensed money lenders. Learn the advantages, disadvantages, interest rates, and which suits your situation.
Complete guide to getting personal loans in Kuala Lumpur and Selangor. Including office locations, area-specific requirements, and tips for borrowers in KL & Selangor.
Avoid costly mistakes when applying for loans. Learn the 10 most common mistakes and how to avoid them to increase your approval chances.
Loan application rejected? Don't give up! Follow these 5 practical steps to improve your approval chances and get the loan you need.
Facing financial emergency? Learn how to get emergency loans within 24 hours, easy requirements, and best options for urgent situations.
Too many debts? Learn how debt consolidation can reduce monthly payments up to 40%, lower interest rates, and settle debts faster.
What are CCRIS and CTOS? How do they affect your loan applications? Learn how to check FREE, understand credit records, and improve score in 3-6 months.
Self-employed or freelance? No payslip? Learn how to get personal loans easily - requirements, documents, and approval tips for self-employed.
Low salary RM1500-RM2500? Still can get loans! Learn easy requirements, eligible amounts, interest rates, and approval tips for minimum wage.
Comprehensive guide to getting personal loans without a guarantor in Malaysia. Learn eligibility requirements, best interest rates, and tips to increase your approval chances.
Understand the differences between CCRIS and CTOS, how to check your credit score for free, and best strategies to improve your credit record in Malaysia for easier loan approvals.
Complete guide to identifying loan sharks, dangers of illegal loans, and safe legal loan alternatives in Malaysia. Protect yourself and your family from illegal money lending.
Comprehensive guide to home and car loan refinancing in Malaysia. Learn the best time to refinance, calculate your savings, and find banks offering the best rates in 2026.
In-depth comparison between car loans (hire purchase) and personal loans for vehicle purchase. Learn advantages, disadvantages, and true costs for smart decisions.
Complete guide for first-time home buyers in Malaysia. Learn about government assistance, how to apply for home loans, hidden costs, and tips to successfully buy your dream home.
In-depth comparison between Islamic and conventional financing in Malaysia. Understand concept differences, rates, and which suits you better.
Complete guide to building a strong emergency fund. Learn the ideal amount, how to save consistently, and best strategies to protect your finances from crisis.
Practical guide to creating realistic monthly budgets. Learn to manage salary wisely, avoid running out before month-end, and start saving consistently for the future.
Complete guide to tax relief and rebates in Malaysia for assessment year 2025. Learn all claimable tax deductions, how to optimize tax savings, and save thousands yearly.
Complete guide with 7 practical steps to improve your CCRIS score. Includes formulas, realistic timelines, and expert financial tips.
Why was your loan rejected? Learn the 5 main reasons for rejection and how to avoid them. Includes DSR calculation, complete documents, and loan approval tips.
First time applying for a loan? Complete step-by-step guide for first-timers. Learn about interest rates, eligibility, documents, and how to avoid mistakes!
Can I afford this loan? Learn 3 important formulas: DSR, 50/30/20 rule, and emergency buffer. Complete with calculator and worked examples!
Confused about CTOS and CCRIS? Learn the differences, which banks check, score ranges, and how to improve both. Complete with comparison table!
A complete guide to civil servant loans in Malaysia — eligibility, salary deduction, interest rates, documents and application steps for federal, state and GLC employees.
Know your rights as a borrower in Malaysia — legal interest rate caps, your right to receipts and statements, the ban on harassment in debt collection, and how to verify a moneylender licence with KPKT.
A complete guide to licensed loan interest rates in Malaysia — legal limits under the Moneylenders Act 1951, flat rate vs reducing balance with a fully worked RM10,000 example, and fee traps to avoid.
A complete guide to loans for e-hailing and food delivery riders — how to organize income proof without a payslip, motorcycle financing options, and planning installments around fluctuating gig income.
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