KPKT Licence: WL4729/10/01-11/081026 Mon–Fri, 8:00am – 8:00pm 01123617811

Licensed under the Moneylenders Act 1951

Easy financing, fast & secure.

JusLoan provides fast, fully transparent financing of RM2,000 – RM50,000 to Malaysians. Approval in 30 minutes, disbursement in under 2 hours — with no upfront fees at any stage.

Apply for Your Loan →

Free · no obligation · takes about a minute

99%approval rate

30minaverage approval

<2hrsfunds disbursed

5,000+customers served

A lender you can verify, not just trust

Every claim we make — our licence, our rates, our terms — is documented and checkable before you sign anything.

Fully licensed & regulatedRegistered with SSM and licensed by KPKT under the Moneylenders Act 1951 — the licence document is reproduced beside this text.

Same-day decisionsA dedicated loan officer reviews your application within 30 minutes during business hours; funds typically arrive in under 2 hours.

Transparent pricingInterest from 8% p.a. flat, tenures of 6–60 months, zero processing or upfront fees. The figure we quote is the figure you repay.

Licence & Registration

Verifiable with KPKT and SSM

Licence holderBUSINESS TOP CAPITAL SDN. BHD.

KPKT licence no.WL4729/10/01-11/081026

SSM registration200001016954 (519561-V)

Governing lawMoneylenders Act 1951

Validity09/10/2024 – 08/10/2026

Cross-check this licence on the official KPKT registry before you sign — we encourage it.

Four ways we can help

All products come with the same guarantees: licensed terms, fixed instalments and no upfront fees.

Personal Loan

Unsecured cash for medical bills, education, renovations or emergencies — approved the same day, with the full cost in writing before you sign.

Apply for a Personal Loan

AmountRM2,000 – RM50,000

RateFrom 8% p.a. flat

Tenure6 – 60 months

CollateralNot required

PayoutSame day

Business Loan

Working capital for SMEs and business owners to steady cash flow or fund the next stage of growth, with flexible structures.

Apply for this loan →

Debt Consolidation

Merge several repayments into one lower, predictable monthly instalment at a single rate, via balance transfer.

Apply for this loan →

Collateralized Loan

Secure an eligible asset to unlock larger amounts, longer tenures and preferential rates.

Apply for this loan →

From application to funds in three steps

≈ 1 minute

Submit your application

Complete the short form below with your basic details — online, free and with no obligation to proceed.

≈ 30 minutes

Receive your offer

A licensed loan officer verifies your details and presents a written offer with the exact rate, tenure and instalment.

< 2 hours

Sign & receive funds

Review the agreement, sign digitally, and the full amount is transferred to your bank account the same day.

Full Disclosure

Know the total cost before you commit

This is a complete representative example — the interest, the total and the monthly instalment. Your written offer will itemise your figures the same way.

A licensed lender will never ask for payment before disbursement. If anyone does, they are not JusLoan — contact us directly.

Representative Example 8% p.a. flat

Loan amountRM 10,000

Tenure12 months

Total interest payableRM 800

Total repayableRM 10,800

Monthly instalmentRM 900

Eligibility

Approval is simpler than you think

AKPK, CTOS & blacklisted applicants welcomeWe assess your current repayment ability, not just your credit history.

Malaysian citizen, aged 21 and aboveEmployed, self-employed and business owners are all eligible.

Minimum income of RM1,500 per monthA steady, provable income is the main requirement.

Documents checklist

Prepare these to speed up your approval

1MyKad (identity card)

2Latest 3 months’ payslips

3Latest 3 months’ bank statements

4Proof of address (optional)

What our customers say

★★★★★

“Two banks rejected me because of my CTOS record. JusLoan approved me the same day with no upfront fees — exactly as advertised.”

Farah Nadia

Personal Loan · Wangsa Maju

Verified

★★★★★

“They consolidated my debts into one simple payment and explained every figure before I signed. Patient, professional and never pushy.”

Mohd Hafiz

Debt Consolidation · KL

Verified

★★★★★

“Approval was quick and the rate was very reasonable compared to everywhere else I checked. The money was in my account the same afternoon.”

Jason Tan

Personal Loan · Sentul

Verified

Frequently asked questions

Yes. JusLoan is managed by BUSINESS TOP CAPITAL SDN. BHD., a registered moneylender licensed by KPKT (Ministry of Housing & Local Government) under the Moneylenders Act 1951 — licence WL4729/10/01-11/081026, valid from 09/10/2024 to 08/10/2026. You can verify the licence directly with the ministry.

Most applications are approved within about 30 minutes during business hours, and funds are typically disbursed to your bank account in under 2 hours after signing.

Yes. We welcome applicants with AKPK, CTOS or blacklisted records. Our assessment focuses on your current income and ability to repay, not only your credit history.

No. There are no processing fees, no upfront payments and no hidden charges. Your written offer states the full cost — interest included — before you sign.

From RM2,000 up to RM50,000, with repayment tenures of 6 to 60 months. Interest starts from 8% p.a. flat, depending on your profile and tenure.

Apply Now

Start your application — it takes one minute

Submit the form and a licensed loan officer will contact you with a written offer — usually within 5 minutes during business hours.

Free application, no obligation to accept

No upfront fees at any stage

Your information is kept strictly confidential

Prefer to speak first? 01123617811

NO. 16-3, JALAN USJ 9/5N, 47620 SUBANG JAYA, SELANGOR

Loan Application Form

Fields marked * are required.

Loan Type *

Please select an option

Employment Type *

Please select an option

Name *

Please enter your name

Phone Number *

Please enter a valid phone number

Email address

Please enter a valid email

Job Title

Loan Amount (MYR) *

Loan must be RM2,000 – RM50,000

Salary Amount (MYR) *

Minimum salary is RM1,500

Location *

Please select an option

Salary Through *

Please select an option

For Personal Loan (salary via bank) in KL & Selangor. Free · confidential · no obligation.

From 8% p.a.RM2,000 – RM50,000 · 6–60 months

Apply Now

Application received

Thank you. A licensed loan officer will contact you shortly — usually within 5 minutes during business hours.

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