Experience Financial Success with SME Smart Credit:
Low Rates, High Approvals & Flexible Terms
Loan up to RM1 million
Interest Free for repayment within 7 days
We can help you
Who can apply?
- Must apply for the loan in person
- Only for Malaysian citizens aged 18 and above or those working abroad (e.g., in Singapore)
- Employees with a minimum monthly salary of RM4000
- Must provide proof of income
Who can not apply?
- Foreigners
- Bankrupt individuals
- Individuals without income (retirees)
- Individuals blacklisted by loan companies
- Low-income individuals and those unable to afford loan repayments (salary less than RM4000)
Why Us?
Competitive Interest Rates
Enjoy the advantage of our low interest rates, allowing you to save more and maximize your financial potential.
High Approval Rate
Benefit from our impressive approval rate, giving you greater confidence in securing the funding you need.
Flexible Payment Terms
We understand the importance of flexibility, offering customizable payment terms 1- 84 months, that fit your unique financial circumstances.
Extensive Loan Options
Whether you require a business loan, personal loan, or short-term loan, our diverse range of loan solutions caters to your specific needs.
Fast Release Cash
Apply today, approve today, get cash in 24 hours
Generous Loan Amounts
Unlock the potential of your aspirations with high loan amounts of up to RM500K, empowering you to accomplish your business and personal goals.
Document Requirement
Business Loan
- SSM at least valid for 3 months
- Company statement x 3 months
- Malaysia citizen
Personal Loan
- Payslip x 3 months
- Bank statement x 3 months
- 1x copy of IC
- Malaysia citizen
Payment Terms
Minimum term of repayment: 6 months.
Maximum repayment period: 84 months.
*Payment period is negotiable.
Max. Annual Percentage Rate (APR) is8%
For more information on the current rate please contact us.
There are no hidden costs or fees.
Welcome to SME Smart Credit, your local financial partner based in the heart of Kuala Lumpur. With a deep understanding of the unique challenges and opportunities faced by businesses and individuals in our vibrant city, we are committed to providing personalized loan solutions that meet your specific needs.
At SME Smart Credit, we believe in building lasting relationships with our clients. Our dedicated team of financial experts takes the time to listen and understand your goals, offering guidance and support throughout your financial journey. Whether you’re a small business looking to expand or an individual in need of quick funds, we are here to help you navigate the complexities of borrowing with ease.
With our local expertise, competitive interest rates, and flexible payment options, we strive to empower you to achieve your dreams. Experience a personalized and humanized approach to lending with SME Smart Credit and let us be your trusted partner in financial success.
Type of Loans
We offer various types of loans.
Business Loan
Maximize your business’s potential with our unbeatable 8% interest rate on business loans. Benefit from affordable financing to accelerate growth, seize new opportunities, and manage expenses effortlessly. Don’t let high interest rates hold you back – partner with us for the financial boost your business needs.
Personal Loan
Our personal loans provide an effective way to achieve your goals. Featuring a competitive 8% interest rate and a high approval rate, we offer a dependable solution for funding your aspirations. Take control of your financial future and bring your plans to life with our trusted personal loan options.
Repayment Schedule
For reference purposes, the actual rate reflects based on the customer’s profile.
| Total Loan | 6 Months | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|---|---|---|
|
RM1000 |
RM180 |
RM90 |
RM48.33 |
RM34.44 |
RM27.50 |
RM23.33 |
RM20.55 |
RM18.57 |
|
RM2000 |
RM360 |
RM180 |
RM96.66 |
RM68.88 |
RM55 |
RM46.66 |
RM41.1 |
RM37.14 |
|
RM4000 |
RM720 |
RM360 |
RM193.32 |
RM137.76 |
RM110 |
RM93.32 |
RM82.2 |
RM74.28 |
|
RM5000 |
RM900 |
RM450 |
RM241.67 |
RM172.22 |
RM137.5 |
RM116.67 |
RM102.78 |
RM92.85 |
|
RM10000 |
RM1800 |
RM900 |
RM483.34 |
RM344.44 |
RM275 |
RM233.34 |
RM205.56 |
RM185.7 |
|
RM20000 |
RM3600 |
RM1800 |
RM966.6 |
RM688.8 |
RM550 |
RM466.6 |
RM411 |
RM371.4 |
|
RM40000 |
RM7200 |
RM3600 |
RM1933.2 |
RM1377.6 |
RM1100 |
RM933.2 |
RM822 |
RM732.8 |
Office Location
Encorp Pusat Perdagangan, 85F, Jalan PJU 5/21, The Strand, Kota Damansara, 47810, Selangor
Operation Hour
Mon – Sat : 9.00am – 6.00pm