Your Trusted Loan Partner in Malaysia
JomCredit offers fast approval, flexible plans, and transparent terms for your personal or business loan needs.
- Get 30 day free trial
- No Spamming
High Loan Limits Available
Minimum Income Requirement
Exclusively for Malaysians
High-Commitment Applications
ABOUT US
Simple. Fast. Trusted.
At JomCredit, we make lending simple and transparent for Malaysians seeking reliable financial support. With years of experience, we specialise in personal, SME, and business loans designed to match your goals and lifestyle. Our team is committed to providing clear communication, fair interest rates, and quick processing, ensuring a smooth experience from start to finish. Whether you’re managing personal needs or growing your business, JomCredit is here to help — because your financial progress shouldn’t be complicated.
ELIGIBILITY
Simple Requirements,Real Opportunities.
For Personal Loans
- Open to Malaysian citizens only.
- Minimum monthly income of RM3,000 or above.
- Must be continuously employed for at least three months.
- Maximum age of 60 years upon loan maturity.
For Business & SME Loans
- Business must be operating and generating income.
- Business must be registered under SSM for at least 3 months.
- Business must be operating and generating income.
- Provide latest 3 months’ bank statements, recent utility bill, and business licence (if any).
For Micro Loans
- Open to small traders, freelancers, and self-employed individuals.
- Business must be registered under SSM for at least 3 months.
- Provide proof of business income or transactions.
- NRIC, simple business proof (SSM or permit), and 3 months’ bank records.
Max APR Interest Rate
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Active Client
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Loan Approve Rate
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WHY US
Why choose JomCredit over others?

Fast Approval
Get your loan processed quickly

Flexible Amounts
Borrow up to RM500,000

Transparent Terms
No hidden charges or surprise fees

Trusted Service
Backed by years of financial experience

Nationwide Coverage
Serving individuals and businesses across Malaysia
OUR SERVICES
Tailored Financial Solutions for Every Need
Personal Loan
Personal financing made easy. Borrow up to RM500,000 with flexible repayment options — perfect for education, renovation, or emergency needs.
Enterprise Loan
Empowering business owners with accessible funding. For SSM-registered companies (minimum 3 months) to support expansion, operations, or new equipment.
SME Loan
Grow your small or medium enterprise with fast and flexible financing. Ideal for working capital, upgrading tools, or scaling operations.
Government Staff Loan
Exclusive loan packages for government employees with easy documentation, low fixed interest rates, and convenient salary deduction options for a faster, worry-free borrowing experience.
Consolidate Loan
Combine all your existing debts into one manageable payment. Simplify your finances and reduce overall monthly commitments.
REPAYMENT CHART
Plan Smarter with Transparent Repayment Details.
Our repayment schedule provides a clear breakdown of the applicable rates based on each customer's profile.
Need Assistance?
Let’s Talk About Your Financial Goals
Need expert assistance? Our team is ready to help you today.