Personal, SME and business facilities from RM 2,000 to RM 5 million for borrowers in Kuala Lumpur, Selangor and across Malaysia. Published flat rates and a named officer on every file.
Each product below carries a published rate band, a stated maximum, and terms issued in writing before you sign. Choose the one that matches your need, and an officer will confirm the exact structure.
Most requested
Working capital, expansion funding and cash-flow support for established businesses. Structured around your receivables cycle rather than a fixed template.
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Unsecured financing for renovation, education, medical costs or a wedding. Fixed instalments for the full tenure.
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For urgent, time-bound costs such as medical bills, repairs and school fees. Prioritised ahead of our larger facilities.
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Right-sized facilities for small and medium enterprises, covering equipment, stock and seasonal working capital.
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Replace several commitments with one instalment on one date, usually at a lower blended rate.
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The largest facilities we write, secured against property, with the longest tenures and lowest rate band.
Find out moreOur flat rates are published, not quoted on request. Enter an amount and a tenure to see the instalment you would actually pay.
| Amount | Up to 12 mo | Up to 24 mo | 36 to 60 mo |
|---|---|---|---|
| Below RM 30,000 | 10% | 9% | 8% |
| RM 30,000 and above | 8% | 7% | 6% |
Flat annual rates. The calculator applies the band that matches your inputs automatically.
Illustration only. Your final rate depends on tenure, facility type and credit assessment, and is confirmed in writing before signing.
We hold ourselves to the documentation and disclosure standards of a licensed institution, then remove the parts that make borrowing slow.
A current Malaysian moneylender permit, with details available on request.
Our rate bands are on this page. No charge appears at signing that was not disclosed first.
You are told when to expect a decision and kept updated, rather than left guessing.
One person owns your file from enquiry to disbursement. Direct line, no queue.
Six to sixty months, with early settlement permitted and calculated fairly.
Once you accept the terms, funds are released straight to your nominated bank account.
Seven fields, about two minutes. No documents required at this stage.
IC, latest payslip and three months of bank statements, all uploaded digitally.
Your officer issues the rate, tenure, instalment and every charge, in writing.
Accept the terms and the facility is disbursed to your nominated account.
Straight answers on eligibility, rates, timing and paperwork. If your question is not here, an officer will answer it directly.
Ask a credit officer directly. You get a real reply, and there is no obligation to proceed.
WhatsApp an officerYes. Elite Credits holds a current moneylender permit issued under the Moneylenders Act 1951. We are not a bank and we do not accept deposits. Every facility is governed by a written agreement issued before you sign, and an officer can provide our permit details on request.
Facilities run from RM 2,000 for Express Cash up to RM 5,000,000 for property-backed lending. Flat annual rates start at 6% for amounts of RM 30,000 and above on tenures of 36 to 60 months, rising to 10% for smaller, shorter facilities. The full rate table and a live instalment calculator are on this page, so you can see the cost before you apply.
It depends on the facility and how complete your documents are. Once we have everything we need, your officer gives you a timeline and keeps you updated rather than leaving you guessing. You then receive written terms covering the rate, tenure, instalment and every charge, and funds are released to your nominated account after you accept.
For personal facilities: your IC, your most recent payslip, and three months of bank statements. Business and SME applications also need the company registration documents and six months of business bank statements. Property-backed applications require the title document. Everything is submitted digitally, so no branch visit is needed.
Our office is in Kuala Lumpur and most of our lending is across Kuala Lumpur, Selangor and the wider Klang Valley. We also serve borrowers in Penang, Johor and the rest of Malaysia, and because the whole application is handled digitally, your location does not change the process or the rate.
Yes. Early settlement is permitted on every facility we write, and the rebate is calculated fairly against the remaining tenure. The settlement basis is stated in your agreement, so you can see exactly what an early payoff would cost before you commit.
Often, yes. We assess affordability on your current income and commitments rather than on a score alone, which is why our approval rate sits higher than a typical bank. A past default does not rule you out, though it may affect the rate and tenure we can offer. Ask an officer before assuming you do not qualify.
