Check Your Eligibility
Fast approval within 24 hours.
Empowering Malaysians with Loans Up To RM500,000
Experience hassle-free financial solutions tailored for you. We offer competitive rates starting from 2% APR with fast cash disbursement.
High Limits
Up to RM500K
Accessible
Min Income RM3k
Malaysians Only
Local ID Required
High Commitments
Welcomed
Who is Berjaya Kredit?
For over a decade, Berjaya Kredit has stood as a pillar of financial support for the community across the Klang Valley. As a fully licensed moneylending institution, our core mission is to provide secure, legally compliant, and highly personalized loan packages.
Whether you are an individual facing unexpected expenses or a business seeking expansion capital, our tailored strategies ensure that your borrowing experience is transparent, manageable, and geared toward achieving your financial goals.
10+
Years Active
3,200+
Funded Clients
95%
Satisfaction
Tailored Financial Solutions
Whether you are looking to fund a personal goal or expand your enterprise, our customized loan packages are designed to support your unique journey.
Personal Loan
Ideal for consolidating debt, covering unexpected medical bills, home renovations, or funding personal milestones. Enjoy flexible repayment tenures without putting up collateral.
- Fast Approval: Cash disbursed within 24 hours.
- Flexible Usage: Use the funds for any personal needs.
- No Collateral: Unsecured loans based on your income capability.
Business Loan
Fuel your SME's growth with vital capital injections. Perfect for managing operational cash flow, purchasing new equipment, inventory expansion, or opening new branches.
- High Quantum: Funding up to RM500,000 for scalability.
- SME Friendly: CCRIS/CTOS history will be considered fairly.
- Customized Terms: Repayment schedules aligned with your business cycle.
Transparent Rates & Compliance
Strict adherence to financial regulations and Google's financial services policies ensuring 100% transparency.
APR (Annual Percentage Rate)
Rates range from a minimum of 2% to a maximum of 18% APR annually, subject to loan type and credit assessment. Zero hidden processing fees.
Repayment Period
Minimum repayment period: 3 Months.
Maximum repayment period: 60 Months (5 Years).
Representative Example
A standard illustration of total loan cost:
Eligibility & Documents
Core Requirements
- Malaysian Citizens Only.
- Min. income RM3,000 & above.
- Employed for > 3 consecutive months.
- Max 60 years old upon maturity.
Personal Loan Docs
- IC Copy (Front & Back)
- 3 Months Pay Slip
- 3 Months Bank Statement
- 1 Month Utility Bill
Business Loan Docs
- Director's IC Copy
- Valid SSM (Min 3 months)
- 3 Months Company Bank Slip
- 1 Month Premise Utility Bill
Trusted by Fellow Malaysians
Real stories from our satisfied clients.
"Very fast process! Money was in my account within 24 hours. The staff is very helpful. Thank you Berjaya Kredit!"
- Ahmad T., Shah Alam
"Highly recommended. The 5-year business loan option literally saved my company's cash flow during tough times."
- Mei Ling, Petaling Jaya
"Even with a CCRIS record from an old loan, they were willing to help me get a loan without any upfront fees."
- Kumar S., Klang
"Applied for RM30k via the online form and got it approved seamlessly. WhatsApp communication was very fast."
- Sarah H., Kuala Lumpur
"Professional service. They are very transparent about the APR and repayment terms before making you sign anything."
- Jason Wong, Subang Jaya
"Loan approved without much hassle as long as documents are complete. Very reasonable interest rates."
- Siti Aisyah, Puchong
"Very fast process! Money was in my account within 24 hours. The staff is very helpful. Thank you Berjaya Kredit!"
- Ahmad T., Shah Alam
"Highly recommended. The 5-year business loan option literally saved my company's cash flow during tough times."
- Mei Ling, Petaling Jaya