Get your Loan Up To RM500K
Flat interest rate 2%-6% p.a. onwards. Fastest decision same working day*.
Min monthly income RM3,000 required to apply.
*Subject to document completion and individual assessment.
High Loan Amount
Up to RM500K Loan ready for you.
Min Income
RM3,000 & above to apply
Malaysian Only
Foreigner application automatically forfeit
High Commitment Welcomed
Applications are welcome if the commitment exceeds 50%
About Us
For years, Berjaya Credits has served the Klang Valley community, and has since expanded to Johor with a branch in Bandar Seri Alam, Masai. We specialize in providing reliable financial assistance to individuals and businesses across Kuala Lumpur, Selangor and Johor, ensuring full compliance with legal standards. Our priority lies in delivering outstanding loan packages that are customized to suit your unique requirements. Discover our individualized strategies and unwavering commitment to client contentment, distinguishing us as a premier choice. Entrust us with your borrowing requirements and allow us to assist you in realizing your financial aspirations.
Best & Affordable Rate
Fixed Annual Interest Rate
- Starts from 2% to 6% annually
Minimum & Maximum Tenure
- From 3 months to 60 months
Representative Example
- Representative example: Loan amount RM5,000, tenure 12 months, flat interest rate 3.2% p.a. Total interest RM160. Total repayment RM5,160.
- By law, unsecured loan interest is capped at 18% p.a. under the Moneylenders Act 1951. No hidden fees — full terms disclosed before you accept.
- We DO NOT collect any upfront fees, deposit, or stamping fees before loan disbursement.
Why Us?
Loan up to RM500K
Experience the ease of accessing loans of up to RM500K through Berjaya Credits. Our straightforward eligibility requirements streamline the entire process for your convenience.
Loan Approved in 24 Hour
Discover the expedited loan approval process, granting you peace of mind within just 24 hours to address your pressing financial needs effortlessly. Benefit from our customized solutions, tailored specifically to cater to your requirements.
*Subject to document completion and approval. Approval times vary by individual assessment.
1 - 5 years repayment plan
Our approach accommodates various financial preferences while alleviating burdens by customizing repayment schedules to individual circumstances.
Self-Employed & Gig Workers Welcome
Self-employed, gig workers, and those with CCRIS or bank credit issues are welcome to enquire — we assess based on your full financial profile.
Lowest Interest Rate 2% - 6%
Seize the advantage of our lowest interest rates, starting at just 2% - 6%. Your path to affordable loans begins here.
No Hidden fee
Rest assured, our loan application process comes with complete transparency – no hidden fees. We prioritize clear terms, ensuring a seamless borrowing experience customized to your needs.
Repayment Chart
* For reference purposes, the actual rate reflects according to the customer’s profile.
| Total Loan Amount | 3 Months | 6 Months | 12 Months | 18 Months | 24 Months | 30 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|---|---|---|---|
|
RM5000 |
RM1680 |
RM846 |
RM430 |
RM291 |
RM221 |
RM180 |
RM152 |
RM117 |
RM96 |
|
RM10000 |
RM3360 |
RM1692 |
RM860 |
RM582 |
RM442 |
RM360 |
RM304 |
RM234 |
RM192 |
|
RM20000 |
RM6720 |
RM3384 |
RM1720 |
RM1164 |
RM884 |
RM720 |
RM608 |
RM468 |
RM384 |
|
RM50000 |
RM16800 |
RM8460 |
RM4300 |
RM2910 |
RM2210 |
RM1800 |
RM1520 |
RM1170 |
RM960 |
|
RM100000 |
RM33600 |
RM16920 |
RM8600 |
RM5820 |
RM4420 |
RM3600 |
RM3040 |
RM2340 |
RM1920 |
|
RM300000 |
RM100800 |
RM50760 |
RM25800 |
RM17460 |
RM13260 |
RM10800 |
RM9120 |
RM7020 |
RM5760 |
Eligibility:
- For Malaysian Only
- Min Income RM3,000 & above
- In employment for more than 3 consecutive months
- *Maximum 60 years old upon maturity of loan tenure.
Personal Loan:
- IC
- Bank Statement
- 1 Month's Utility Bill
- 3 Month's Pay Slip
Business Loan:
- IC
- 3 Month's Company Bank Slip
- 3 Month's SSM Valid
- 1 Month's Utility Bill
Berjaya Credits is a trusted financial consultant company in KL & Selangor, licensed and certified under KPKT and the governing laws of Malaysia. Contact us to find out how we can help you improve your financial health.
Business hour:
Mon – Sun： 9am – 6pm
Office Address:
LOT 168969, NO 9-01, JALAN SURIA 7, BANDAR SERI ALAM, 81750 MASAI, JOHOR.
- B-07-11, Menara PJ8, 23, Jalan Barat, Seksyen 8, 46200, Petaling Jaya, Selangor.
- general@berjayacredits.com
SSM Registration No:
202001028969 (1385289-A)
KPKT License:
WL7671/01/01-3/020227
Validity date:
03/02/2025 – 02/02/2027
Frequently Asked Questions
Under the Moneylenders Act 1951, interest is capped at 12% p.a. for secured loans and 18% p.a. for unsecured loans. Berjaya Credits’ rates are always within these legal limits — we will never charge more.
No. We strictly DO NOT collect any upfront fees, deposit, or stamping fees before loan disbursement. Be cautious of anyone asking for payment before you receive your loan — that is not how licensed moneylenders operate.
Yes. Self-employed individuals, gig workers, and those with CCRIS or CTOS issues are welcome to enquire. We assess each application based on your full financial profile, not just your credit report.
Our fastest decision can be made on the same working day. *Subject to document completion and individual assessment — approval times vary case by case.
Typically your IC, latest 3 months’ bank statements or company bank slips, and proof of income (payslip or EPF/KWSP statement). Our consultant will guide you on the exact list based on your loan type.
You can reach us directly via WhatsApp or email at general@berjayacredits.com. If you need free, independent debt counselling or a dispute cannot be resolved with us, you may also contact AKPK (Agensi Kaunseling dan Pengurusan Kredit) for assistance, or KPKT as our licensing authority.
Trust & Compliance
Berjaya Credits is a fully licensed and registered moneylender in Malaysia. Here is how we protect you.
- Licensed Moneylender — KPKT License No. WL7671/01/01-3/020227. Verify our status at kpkt.gov.my.
- SSM Registered Company — Registration No. 202001028969 (1385289-A).
- No Upfront Fees — we NEVER collect any fee, deposit, or stamping charge before your loan is disbursed.
- Written Agreement & Full Disclosure — every loan comes with a written agreement, with all rates and fees disclosed upfront, in compliance with the Moneylenders Act 1951 and PDPA 2010.
- Your Right to Complain — if you have any concerns, you may lodge a complaint directly with KPKT as our licensing authority.
- Free Debt Counselling — AKPK (Agensi Kaunseling dan Pengurusan Kredit) offers free, independent financial advice if you ever need it.
What Can You Use Your Loan For?
Real reasons Malaysians borrow with us — whatever life brings.
- Wedding Expenses — cover angpow budgets, banquet deposits, and last-minute costs.
- Children's Education — school fees, tuition, or university enrollment costs.
- Vehicle Repair or Purchase — get back on the road without delay.
- Small Business Cash Flow — bridge stock purchases, rental, or payroll gaps.
- Medical & Emergency Needs — unplanned medical bills or urgent family needs.
- Debt Consolidation — combine multiple repayments into one manageable monthly amount.