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Am I eligible to apply?

Eligible if you are Government Officers, retirees, public and private sector workers with salaries credited into your personal bank account.

What is my loan limit?

Loan eligibility is based on case by case basis. And would only be confirmed after internal review.

Documentation Required?

Latest 3 Months Salary Slip,
Last 2 Months of utility bills  (TNB/SAJ/Syabas/Unifi), 
Latest 3 Months Bank Statement / Online Banking, Retiree Card (For Retirees)

Is there any deposit required?

No deposit or advance payment required for loan application.

Am I eligible to apply if I have existing loans/borrowings from another lending company?

Eligible to apply. But you need to disclose your borrowing anda repayment arrangements with us, for our Loan Consultant to advise on loan approval estimation.

How long is the payment period?

Payment period from one month to 2 years or more. We will design a suitable payment scheme for you (According to individual cases)

Is CTOS / CCRIS eligible to apply?

Eligible to apply (except bankruptcy).

Do I need to come to the office?

If you are based in Johor Bahru, Pontian, Kulai and Kota Tinggi, you can walk in to our office.

For those other than locations above, you can apply through our Digital Lending Platform.

Reach out to us for clarifications.

How long does it take to process my application?

If the Documents are complete and there are no problems with process, approval in can be obtained in 1-3 working days.

What are the payment methods and full payment?

Payment would be deducted via Autodebit from you personal bank account.

For full payment, you can contact our office to get exact settlement amount. And the confirmed settlement amount to be paid through CDM or pay to our office.

​How do I request for refund if there is extra deduction for my loan?

You can contact our office
07-5626 373 / 012-539 9733 or
email to

You can contact us at any time if you have any other questions.

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