Fast. Secured. Transparent.

120-Day Loan

Q: Can I renegotiate my loan terms if my financial situation changes?

Yes, you can request to renegotiate your loan terms if your financial situation changes. Each request is assessed individually, and adjustments may include repayment schedule modifications, term extensions, or revised payment amounts.

Q: How can I calculate the total cost of the loan over the full term?

The total cost includes the principal, interest, and any applicable fees. You can calculate it using an online loan calculator, your loan agreement, or by contacting our support team for a detailed breakdown.

Q: Will I receive reminders when my loan agreement is about to expire?

Yes, we typically send reminders via email, SMS, or app notifications to help you stay informed about upcoming repayment deadlines or loan expiry.

Q: Can I temporarily pause payments in case of unexpected circumstances?

Some loan types allow temporary payment pauses or deferrals under special circumstances. You must contact our support team to discuss eligibility and any applicable terms or fees.

Q: Is it possible to extend the loan term without changing the interest rate?

In certain cases, yes. However, the final terms of an extension, including interest rate adjustments, are determined based on your loan type and eligibility.

Q: How can I find out if extending or restructuring affects my credit record?

You can contact our support team to understand how extensions or restructuring might be reported to credit agencies. We provide guidance to ensure you are aware of any potential impact on your credit history.

We provide the service you recommend
to your friends

First loan

Repeat loan (beneficial)

Loan amount

RM0

Better
conditions
for repeat customers

After you've successfully repaid your first loan, you become eligible for repeat loan with the better conditions. We increase the loan amount and loan term gradually for trusted clients.

Just login to your account to get
the available conditions

3 months

Loan term

RM5000

Increased limit is
available

5 Min

Immediate
disbursement

how
to apply

First time

Repeat loan

Step 1

Apply online

Choose the loan amount suitable for you on the main page
Provide your phone number and confirm it by OTP code we send in sms.
Submit the short application:
- - info about yourself and your job;
- - e-mail;
- - provide your bank account details;
- - attach the photos of your IC.
Confirm your e-mail

Step 2

Wait for confirmation

We will call you in case we need to clarify the information you provided
Get an e-mail with approved status of your application

Step 3

Get money

Follow the link we send you in e-mail or login to your account on our website to sign the contract online
Get the money to the bank account you provided

Apply

whom

Our service is meant for

Permanent resident of Malaysia

Age 21-70

Have a bank account

Has an income

Purposes of 120-Day Loans

Manage Operating Costs for a New Business

Starting a business comes with constant small expenses — from supplies to marketing and daily operations. A bit of extra funding helps keep things running smoothly while your venture gains momentum.

Upgrade Business Infrastructure

Improving infrastructure increases company efficiency. Financial assistance makes it possible to invest in equipment and processes for long-term growth.

Fund Research and Development in Startups

Developing and testing new ideas requires resources. Additional funds help startups finance research and move forward toward innovation.

Fund Special Events

Organizing events often involves unexpected costs. Financial backup helps cover rentals, services, and ensures the event is delivered at a high standard.

Cover Emergency Home Repairs

Household breakdowns can happen at any time. Extra resources allow quick repairs and help restore comfort to the living space without unnecessary delays.

Invest in Personal Fitness or Wellness

Taking care of health requires regular investments in sports and recovery. Financial support helps pay for training, treatments, and overall wellbeing.

Pay for Professional Certifications or Exams

Career advancement often involves paying for exams or courses. Extra assistance makes it possible to invest in skills and strengthen professional growth.