Trusted by thousands in KL & Selangor. Low interest from 3.43%. Open to all employees & self-employed.
Apply in minutes. Get approval within 1 hour. Funds disbursed on the same day.
Estimate your monthly repayments before you apply. Rates as low as 3.43% per annum.
This is an estimate only. Actual rates subject to assessment.
We combine speed, transparency, and genuine care to make borrowing stress-free.
Get instant approval within 1 hour of applying online. Borrow from RM 1,000 – RM 100,000 depending on eligibility.
Blacklisted applicants are welcome. We work to find solutions even for challenging financial histories.
Competitive rates with flexible repayment plans fully customised around your monthly budget.
We provide free consultation, free cancellation, and complimentary CTOS & CCRIS report checking.
Fast, Safe & Secure. Tailored to your needs. No hidden fees.
Flexible funds for any purpose, with a hassle-free application process. Quick and simple, open to everyone.
Overwhelmed by credit card debt or suspended cards? Our low-interest loans help you regain financial stability.
Consolidate multiple debts into one single lower rate and monthly payment. Simpler, cheaper, stress-free.
Consider the loan amount that best suits your needs and repayment capacity.
Submit your application via WhatsApp or fill in the online form. Takes less than 5 minutes.
Our consultant reviews your application and contacts you within 1 hour with the best plan.
Sign the official agreement. Once signed, funds are disbursed directly to your account.
"One of the staff Chris and CTOS Credit Finder were very helpful, teaching me so much financial knowledge. Highly recommended."
"Many thanks to SK for the service. Kind staff with a soft-spoken manner who explained everything clearly until I understood."
"Truly exceptional and professional financial consultancy — helped my family with medical expenses. Special thanks to Derrick and Puan Lisa."
"Natalie, Dylan and Puan Hasina helped me with debt consolidation and successfully lowered my monthly commitment. Reliable and trustworthy."
"Kak Arisha and CTOS Credit provided excellent service. The officer gave clear explanation that was very useful to me. Thank you."
KL Loanease is a brand owned & operated by Business Top Capital Sdn. Bhd. License No: 200001016954 (519561-V), a licensed moneylender in Malaysia regulated by the Ministry of Housing and Local Government (KPKT). KPKT No.: WL4729/10/01-11/081026.
All loan services are provided directly by Business Top Capital Sdn. Bhd. in full compliance with applicable Malaysian laws and regulations.
Minimum: 1 month
Maximum: 60 months
Up to 18% per annum for unsecured personal loans (as per Moneylenders Act 1951), inclusive of interest and applicable fees calculated in accordance with Malaysian regulations.
If you borrow RM 5,000 over 12 months at an annual rate of 18%:
No processing fee. No deposit. No early-settlement fee. No other fees.
Our consultants are ready to help you Monday–Saturday, 9 AM – 6 PM.
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