Licensed under the Moneylenders Act 1951

Personal Loan in Malaysia —
See the Full Cost Before You Apply

RM2,000 to RM50,000 · 6 to 60 months · maximum 18% p.a.

See the full repayment schedule — every instalment and the total interest — before you apply. Kuala Lumpur, Selangor, Putrajaya and Seremban.

  • Full schedule up front
  • No upfront fee
  • Confidential under PDPA 2010

Free enquiry · No obligation · Confidential

Check Your Eligibility

Complete the form and our team will contact you.

Your details

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RM2k–50k
Financing range
6–60
Months to repay
18% p.a.
Maximum interest rate
RM0
Upfront application fee

01The financing

Personal Loan Amounts, Tenure and Rates

One unsecured personal financing product, priced under the Moneylenders Act 1951. No collateral, no guarantor, and every term published on this page rather than revealed at signing.

Unsecured personal financing for salaried Malaysians

Built for people with a regular salary credited into a bank account — private sector, government and GLC staff across the Klang Valley and Negeri Sembilan. What you can borrow depends on your income, your existing commitments and the assessment.

  • Medical bills
  • Home repairs
  • School & university fees
  • Consolidating debts
  • Family emergencies
  • Business cash flow
Financing amountMinimum to maximum RM2,000 – RM50,000
Repayment periodChoose at application 6 – 60 months
Interest rateCapped by law for unsecured financing ≤ 18% per annum
Collateral or guarantorNothing pledged, nobody co-signs Not required
Upfront application feeTo enquire or be assessed RM0
How to applyTakes about two minutes Online enquiry

No surprises

The figure you see on this page is the figure that goes into your agreement.

Rate, tenure, total repayable and every fee — written down and handed to you before anything is signed.

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02The real cost

Personal Loan Calculator: What You'll Actually Repay

Move the sliders and the whole schedule rebuilds — every instalment, month by month, with the interest separated from the money you actually borrowed.

RM10,000
RM2,000RM50,000
24 months
660

Editable so you can model different scenarios. Your real rate is set after assessment and can never exceed 18% p.a. on unsecured financing.

Your repayment schedule

Month Payment Interest Balance left
Total repayable RM12,400.00

Scroll the table to see every month of the plan.

Estimated monthly repayment
RM516.67
You borrow RM10,000 Interest RM2,400
  • Financing amountRM10,000
  • Repayment period24 months
  • Total repayableRM12,400.00
  • Total interestRM2,400.00

Illustration only, not an offer of financing. Actual terms, interest rate and repayments depend on eligibility assessment and final approval, and are given to you in writing before any agreement is signed.

Representative example

Financing amountRM10,000
Repayment period36 months
Interest rate VERIFY8% p.a.
Monthly repaymentRM344.44
Total repayableRM12,400.00
Total interestRM2,400.00
How these figures are calculated Interest = 10,000 × 8% × (36 ÷ 12) = RM2,400 Total = 10,000 + 2,400 = RM12,400 Monthly = 12,400 ÷ 36 = RM344.44

Key terms

  • Minimum repayment period6 months
  • Maximum repayment period60 months
  • Maximum interest rate18% p.a.
  • Upfront application feeRM0
  • Processing feeRM0 VERIFY
  • Late payment fee— VERIFY
  • Early settlement— VERIFY

The example above is an illustration, not an offer. Your rate, terms and total repayment depend on the eligibility assessment and final approval, and are given to you in writing before any agreement is signed.

03Eligibility

Personal Loan Eligibility in Malaysia — Do You Qualify?

Tick what applies to you. Nothing is submitted and nothing is stored — this just tells you where you stand before you spend two minutes on the form.

Tick the boxes that apply to you

Your result appears here as you go.

Check My Eligibility

This is a guide to the basic criteria only. It is not an approval, a pre-approval or a credit decision, and it does not guarantee any outcome.

Two minutes, on your phone

Start with a question, not a commitment.

Sending an enquiry costs nothing, obliges you to nothing, and can be done from wherever you are standing right now.

Check My Eligibility
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04The process

How to Apply for a Personal Loan With Duit Nova

Three steps, and you can stop at any point without owing anything.

  1. Step 01

    Send the enquiry

    Fill in the short form with your income and the amount you have in mind. About two minutes on a phone.

  2. Step 02

    We assess and call you

    Our team reviews your profile, checks the documents needed and rings or WhatsApps you to go through it.

  3. Step 03

    You see the terms in writing

    If eligible, you get the rate, the schedule and every fee in writing. Nothing is signed until you have read it.

05Borrower's guide

Before You Borrow: CCRIS, CTOS, DSR and Interest Rates Explained

Four things worth understanding before you sign anything — with any lender, not just us. Knowing them makes you harder to overcharge.

Credit records

CCRIS and CTOS are not the same thing

People use the two names interchangeably, and it costs them. They are different systems run by different organisations.

CCRIS

Bank Negara Malaysia

A central record of your credit facilities and how you have repaid them over the last 12 months. It shows outstanding balances and months in arrears — but it carries no score and no blacklist.

CTOS

Private credit reporting agency

A commercial report that can include legal action, bankruptcy proceedings and trade references alongside your credit history. This is where a court record would surface.

A few late payments showing in CCRIS is a very different situation from a legal record in CTOS. Both form part of an assessment, and neither one automatically ends an application.

Affordability

DSR: the number that decides most applications

Debt Service Ratio is how much of your take-home pay is already committed to repayments. It is the clearest measure of whether you can afford one more.

Net monthly salaryRM4,000
Existing commitments (car, cards)RM1,200
Proposed new repaymentRM400
DSR = (1,200 + 400) ÷ 4,00040%

There is no single legal cut-off, and every lender sets its own comfort level. The useful takeaway: clearing a small existing commitment before you apply can move your DSR more than asking for a longer tenure.

Interest

The same "8%" can cost you twice as much

This is the single most expensive misunderstanding in Malaysian borrowing. A flat rate and a reducing-balance rate can carry the same percentage and produce very different bills, because they are charged on different amounts.

Flat rate

RM10,000 · 36 months · 8% p.a.

Interest is charged on the full RM10,000 for all three years, even though you are steadily paying it down. Total interest: RM2,400. Monthly: RM344.44.

Reducing balance

RM10,000 · 36 months · 8% p.a.

Interest is charged only on what you still owe, which falls every month. Total interest: about RM1,281. Monthly: about RM313.36.

Same headline rate, roughly RM1,100 apart. Always ask which basis a quote uses before you compare two offers — and compare the total repayable, never the monthly figure alone.

The calculator on this page uses the flat-rate basis by default, which is the more conservative of the two. Your agreement states the basis that applies to you.

Stay safe

How to tell a licensed lender from a loan shark

Licensed moneylenders in Malaysia operate under the Moneylenders Act 1951 and hold a licence issued by KPKT. Illegal operators — Ah Long — copy the branding but never the paperwork. The differences are easy to spot once you know them.

  • Never pay a fee to release a loan. "Processing", "insurance", "stamping" or "government clearance" charges demanded before disbursement are the most common scam in this industry. A legitimate fee is deducted or documented — never wired ahead to an individual's account.
  • Never hand over your MyKad, ATM card or banking credentials. No lender needs your TAC, OTP or online banking password. Anyone asking is not collecting security — they are collecting your account.
  • Never accept money without a written agreement. Licensed lending requires a written loan agreement in the prescribed form, signed before any money changes hands. "Sign later" means there is nothing to hold them to.
  • Do check the licence. A licensed lender displays its company name, SSM number and KPKT licence number — ours are at the bottom of this page. You can verify any licence directly with KPKT rather than taking a website's word for it.

06Coverage

Personal Loan Coverage Across the Klang Valley and Negeri Sembilan

We keep our service area tight on purpose — it means document checks and follow-up calls happen locally instead of being passed around.

The Kuala Lumpur and Klang Valley skyline at dusk, the area Duit Nova serves
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Kuala Lumpur

  • Cheras
  • Ampang
  • Setapak
  • Wangsa Maju
  • Sentul
  • Kepong
  • Bukit Bintang
  • Bangsar

Selangor

  • Petaling Jaya
  • Subang Jaya
  • Shah Alam
  • Klang
  • Puchong
  • Kajang
  • Bangi
  • Rawang
  • Sepang

Putrajaya & Cyberjaya

  • Presint 1–20
  • Cyberjaya
  • Dengkil

Negeri Sembilan

  • Seremban
  • Nilai
  • Senawang
  • Port Dickson
  • Rembau

07Why us

Why Borrowers Choose Duit Nova

We are a licensed lender operating in a market with a trust problem. Rather than claim to be different, here is precisely what we do differently.

A Duit Nova financing consultant standing in the office, arms folded
Licensed under the Moneylenders Act 1951
Illustration placeholder — replace with a real photograph
01

The cost is on the page, not in the call

Our rate ceiling, tenure range, fees and a full worked example are published above. You can compare us to anyone else before you give us your phone number.

02

No upfront fee, ever

Enquiring costs nothing and being assessed costs nothing. If anyone asks you to pay to release financing, it is not us — see the warning in the guide above.

03

We say no when it is the right answer

If the repayment does not fit your income, we will tell you rather than stretch the tenure until the monthly figure looks affordable. Nobody is served by a loan they cannot carry.

04

One local team, start to finish

The person who reviews your documents is the person who calls you. We cover the Klang Valley, Putrajaya and Negeri Sembilan, and nothing gets handed to a call centre.

05

Your data stays with us

Handled under PDPA 2010 and used only to process your enquiry. We do not sell your details to other lenders, and we never ask for a banking password, TAC or OTP.

Testimonials

What Our Customers Say

Feedback from borrowers across the Klang Valley and Negeri Sembilan.

NOTE FOR THE SITE OWNER: these are sample testimonial placeholders, not real reviews. Replace them with verified customer feedback before publishing, then delete this notice.

“What I noticed was that the repayment table was on the website before I even called. I knew the total I'd be paying back on a RM15,000 loan before I gave anyone my number.”

Amirul H.Office Worker · Kuala Lumpur

“Pegawai terangkan beza kadar rata dengan kadar baki pengurangan sampai saya faham. Baru saya sedar kenapa dua tawaran yang nampak sama boleh beza harga.”

Siti N.Admin Executive · Shah Alam

“They actually told me to settle my credit card balance first and come back, which lowered what I needed to borrow. Not what I expected from a lender.”

Ravi K.Factory Supervisor · Klang

“Saya hantar borang waktu malam, keesokan pagi ada orang hubungi. Tiada bayaran diminta di awal — itu yang buat saya rasa lebih selamat.”

Faizal M.Government Employee · Putrajaya

“No pressure at all. I asked for RM20,000, they explained what that meant for my DSR, and I chose to take less. Straightforward people.”

Mei Ling T.Retail Staff · Petaling Jaya

“Kalkulator di laman web ni yang tolong saya. Saya boleh main dengan tempoh bayaran dan tengok jumlah keseluruhan sebelum buat keputusan.”

Nurul A.Clinic Assistant · Seremban

FAQ

Personal Loan Malaysia — Frequently Asked Questions

Still unsure about something? Send an enquiry or message us on WhatsApp.

Malaysian citizens aged 18 and above who are currently employed, receive their salary through a bank account, and live or work in Kuala Lumpur, Selangor, Putrajaya or Seremban / Negeri Sembilan. Proof of income is required.

Between RM2,000 and RM50,000. What you qualify for depends on your income, your existing monthly commitments and the eligibility assessment — not on the amount you type into the form.

18% per annum. Interest on unsecured financing from a licensed moneylender is capped at 18% per annum under the Moneylenders Act 1951. Your actual rate is confirmed on approval and written into your financing agreement.

After you submit the form our team reviews your information and contacts you to confirm details. How long it takes depends on how complete your documents are. We do not promise a fixed approval time — anyone who does is guessing.

Typically your MyKad, your most recent payslips and bank statements showing the salary credit. Depending on your profile we may ask for more. You will get the full list before you commit to anything.

Both form part of the assessment, and having a record does not automatically end your application. What matters is the pattern and how recent it is. We cannot guarantee any outcome, and we would rather tell you that plainly than imply otherwise.

No. Submitting an enquiry and being assessed both cost nothing. Any fee attached to a financing agreement is stated in writing before you sign. If someone contacts you claiming to be us and asks for a payment to release your money, it is a scam — hang up and call the number in our footer.

CCRIS is run by Bank Negara Malaysia and records your credit facilities and repayment conduct over the last 12 months. CTOS is a private credit reporting agency whose report can also include legal action and bankruptcy records. There is more detail in the Borrower's Guide above.

Debt Service Ratio is your total monthly commitments divided by your net monthly income. It shows how much of your take-home pay is already spoken for. Lowering it — usually by clearing a small existing debt — often helps more than asking for a longer tenure.

Kuala Lumpur, Selangor (including Petaling Jaya, Subang Jaya, Shah Alam, Klang, Puchong, Kajang and Bangi), Putrajaya, Cyberjaya, and Negeri Sembilan (including Seremban, Nilai and Port Dickson).

Yes — handled under the Personal Data Protection Act 2010 and used only to process and contact you about your enquiry. We do not sell your details to other lenders. Full detail is in our Privacy Policy.

By phone call or WhatsApp on the number you give us, and by email if you supply one. We will never ask for your banking password, TAC or OTP — not on the phone, not on WhatsApp, not ever.

See What Your Repayments Would Look Like

Send the short enquiry form and our team will confirm what you may be eligible for — with the rate, the schedule and every fee in writing.

Check My Eligibility WhatsApp Us

Free enquiry · No obligation · Confidential

Licensed personal financing for salaried Malaysians in Kuala Lumpur, Selangor, Putrajaya and Negeri Sembilan. RM2,000 to RM50,000 over 6 to 60 months, with the full repayment schedule published before you apply.

Quick Links

Contact

Legal

Company & Licensing Information

Website / Brand
Duit Nova
Managed / Operated By
BUSINESS TOP CAPITAL SDN. BHD.
SSM Registration No.
200001016954 (519561-V)
KPKT Licence
WL4248/10/01-12/130928
Licence Validity
–
Registered / Licensed Address
NO. 16-3, JALAN USJ 9/5N 47620 SUBANG JAYA SELANGOR
Email
chg@enquirymail.com
Phone
+60 10-925 1670

Financial disclaimer: This website provides general information about personal financing and an enquiry form. It is not financial advice and is not an offer of financing. Every application is subject to eligibility assessment, document verification and final approval.

We do not guarantee approval, financing amounts, interest rates or timeframes. Interest on unsecured financing does not exceed 18% per annum. Your final terms are provided in writing before any agreement is signed.

All personal data is collected and handled in accordance with the Personal Data Protection Act 2010 (PDPA). We will never ask for your banking password, TAC or OTP, and we never request advance payment to process an enquiry.

© 2026 Duit Nova — BUSINESS TOP CAPITAL SDN. BHD. All rights reserved.
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