Fast, Secure, and Easy Online Loans

A personal loan is a kind of loan that you borrow and then pay back over a set period of time. It has three main parts: the amount of the loan, the loan duration, and the interest rate for the loan. People often apply for personal loans for a variety of reasons, such as paying off credit card debt, purchasing lifestyle needs, gadgets, funding home renovations, paying for education, covering wedding expenses, or settling other personal debts.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

You may apply for a Bendera Pesona Sdn Bhd (PM Credit) loan if you are:

• A Malaysian citizen
• 21 years of age and above
• Salaried employee
• Minimum 3 months working with current employer
• Minimum salary of RM1,500
• Working in KL, Selangor, Putrajaya
• Not declared bankrupt
• Not under AKPK’s debt management program

To get fast loan approval, please be sure to submit all your complete documents accordingly.

If you are currently employed, you would need:

• A copy of your NRIC (front and back)
• Latest 3 months pay slips
• Latest 3 months bank statement that crediting your monthly salary
• Latest EPF as of current month/year
• Utility bill – Electricity, water, Astro Bill etc
• HR Employment Confirmation Letter

To get fast loan approval, please be sure to submit all your complete documents accordingly.

Yes, borrowers must have an active bank account. A bank account is required for the loan amount to be paid to. The bank account needs to be registered with your name and current home address.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

Our loan ranges between RM500 until RM10,000. However, any amount beyond that will be reviewed by our team on a case-to-case basis.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

We consider each personal loan application carefully. The amount of the approved loan depends on a number of factors including your salary, your monthly commitments and your credit score history. At Bendera Pesona Sdn Bhd (PM Credit), we believe in responsible financing and approve our customer’s loans based on your best interest as we do not want you to overstretch your finances.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

We offer flexible loans between 6 and 24 months.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

Our loan 18% per annum (without collateral/guarantor).

No, there will be no security deposit or advance installment fees.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

There are statutory charges that you need to pay such as legal and stamp duty fees. However, this is only applicable once your loan is approved and you have agreed to sign up for the loan.

We do not require any guarantor or collateral.

Monthly repayment is calculated according to:

• Loan amount (a)
• Loan tenure in months (b)
• Flat interest rate of 1.5% per month (c)

Monthly repayment amount = [(a*b*c) + (a)] / (n)

Yes, Bendera Persona Sdn Bhd is a trusted legal licensed money lender and a credit community member of KPKT. Our KPKT registration number is WL7409/10/01-4/090428.

For fast personal loan approval, apply online now.

No, we will not request or hold our customers’ ATM card.

Absolutely. At Bendera Pesona Sdn Bhd (PM Credit), we offer flexible monthly repayments and tenures.

Alternatively, you may also use our personal loan calculator to calculate your desired monthly repayment amount. Our calculator can be found on our main page — www.credit.pajakmaster.com.

To get the best loan that suits you, you may use our personal loan calculator to calculate your desired monthly repayment amount. Our calculator can be found on our main page — www.credit.pajakmaster.com.

As part of KPKT’s regulations, all customers are required to visit our office in person to sign the loan agreement. Upon approval of your application, we will schedule an appointment for the loan agreement signing at our office.

Bendera Pesona Sdn Bhd (PM Credit), of course. We provide the best instant digital personal loan and are the most trusted KPKT Licensed Money Lender in Malaysia.

Yes. As part of your loan application, we will request your credit report from a leading credit bureau agency. This would also help us get you a fast loan approval.

Credit bureau agencies give us a range of information about potential borrowers. Most of the information held by the credit reference agencies relates to how you have maintained your credit and public records including insolvency and bankruptcy data.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

Once you have submitted your application, we will go through your details to determine if you are eligible for the loan.

During this time, we may reach out to you to ask for some additional documentation and information to confirm your identity.

We may ask you for supporting documentation such as your NRIC, utility bills to prove your home address as well as financial statements like your income pay slip and bank account statement. The purpose of us performing these checks is to protect you from scammers who might imitate your identity without your knowledge.

When you submit your documentation and details, please ensure that:

• The details on your application are the same as your identification documents i.e. your name and address
• The documentation to prove your address is within the recent three months
• Your bank statement clearly shows the bank name, your name, bank account number; and the statements are also dated within the recent three months

For fast loan approval, please be sure to submit your complete documents accordingly.

We aim to get your application processing within 24 hours. This also depends on full documentation and information that you provided us.

To get fast loan approval, please be sure to submit all your complete documents accordingly.

We have built an intelligent digital platform that enables us to make a speedy approval decision for you.

However, to get fast loan approval, please be sure to submit all your complete documents accordingly.

We consider each application carefully on an individual basis.

The eligibility for a loan or the approved loan amount will depend on your credit profile and our assessment of your ability to afford all repayments over the life of the loan. We also want to help make sure you’ll be able to make your monthly repayments without overstretching your finances.

We consider each application carefully on an individual basis. There are a number of reasons why a loan application is not approved – ranging from poor credit scores to having too many loans. However, we are doing this because of your best interest so that you don’t overstretch your finances and get into money problems.

Don’t worry, you can be assured that your personal information is in safe hands.

We have strict policies and security when we process your data in accordance with our Terms of Use and Privacy Notice. We will never disclose your information to a third party without your consent.

Congratulations! We will invite you to review and sign the loan agreement at our office. Once the loan agreement has been signed, the approved loan amount will be transferred to your account via online banking transfer.

As part of KPKT’s regulations, all money lenders can only disburse the loan amount via online banking transfer. No cash disbursement is allowed.

We will deposit the approved loan amount to your bank account within the same day from signing the agreement.

You can repay your loan via a number of ways:

• Internet Banking – Instant Transfer or Interbank GIRO (IBG)
• DuitNow
• Cash deposit
• MEPS ATM fund transfer

Yes, you may. Early settlement charges apply if you wish to settle your loan fully before the end of the loan tenure.

We advise you to pay on or before the due date.

If you are late in your monthly payment, you will be charged a late payment charge as stipulated in your loan agreement.

If you have difficulties in making repayments, you should contact us as early as possible to discuss the repayment alternatives.

Alternatively, you may approach Agensi Kaunseling dan Pengurusan Kredit (AKPK), to seek advice to assist with your situation. AKPK is an agency established by BNM (Bank Negara Malaysia) to provide free advisory services on managing your money, credit management, debt restructuring and financial education for individuals. To reach them, you may call 03-2616 7766.

Legal action may be taken against you in the event of default of loan repayment. You will have to bear all cost, expenses and fees (including and without limitation of the solicitor’s cost) which the company may incur, in the enforcement to recover the loan.

Legal action against you may affect your credit rating which may lead to credit being more difficult or denied any loans from banks or lending companies in the future.

It is important for you to inform us if there are any changes to your contact details to ensure that all communications reach you in a timely manner.

We do not typically offer refunds for loan payments unless required by law. However, if there’s an overpayment or a duplicate payment caused by a technical issue, we’ll review your case. Depending on the situation, we may apply a credit toward future payments or issue a refund at our discretion. If you think there’s been an error with your payment, please contact customer support right away.

We are aware that there are parties out there who are impersonating our company Bendera Pesona Sdn Bhd (PM Credit). If you think you have been approached by a scammer, please read on.

This is normally how a scammer cheats their victims:

• They will use a fake website, social media or ads account to lure their victims.
• Once the victims have provided their info, they will contact them claiming to be from ‘BB Capital Sdn Bhd’.
• They will only communicate via WhatsApp and voice notes, they would not answer voice calls.
• Upon ‘approval’, they will ask the victims to pay for a ‘deposit’ or insurance coverage which is normally in the hundreds of ringgit.
• After that, the victims will be asked to transfer another sum of money as pre-payment to open an account.
• These accounts are normally in the names of individuals instead of a company account.
• They will intimidate and pressure the victims if they do not transfer the money.
• Once the money is transferred, the scammers will disappear.

As a licensed credit community, we do not request for any upfront payments nor request our customers to transfer any money to third party bank accounts. Additionally, Bendera Pesona Sdn Bhd (PM Credit) currently only serves customers in KL & Selangor.

Please be cautious if you receive any calls or messages from any suspicious parties who claim to be from our company. If you are still unsure, please contact or WhatsApp us at 011-55532850 for verification.

• Our official registered company name is Bendera Pesona Sdn Bhd.
• Our official website is www.credit.pajakmaster.com and our official contact number is 011-55532850.
• We will never ask for any advanced payments from our customer application.
• We will never ask anyone to transfer any money to a third-party account.

A scammer would typically communicate via WhatsApp and voice notes, they would not answer voice calls. If you are in doubt, please contact us at 011-55532850 and we will be happy to verify our details with you.

If you have sent your personal details and documents to the scammers, unfortunately there is nothing much that can be done. If you used WhatsApp, you can try to delete the documents and messages by using the function ‘delete for everyone’.

Typically, these scammers will play mind tricks by threatening you with reasons like taking legal action or blacklisting your account if their instructions are not followed immediately.

These syndicates usually want to make a quick buck and they might pressure you to transfer more ‘deposits’ or ‘downpayment’. If they do so, please do not be intimidated or transfer any more money to them.

Instead, please report this to the authorities and inform the scammer that a report has been made against them.

You can make a report by calling 997, the National Scam Response Centre (NSRC). The NSRC focuses on online financial scams – that is, instances where victims notice unauthorized transactions from their bank account and instances where victims are tricked into transferring funds via online financial services.

We also encourage you to make a police report with the phone number and bank account details that are being used by these scammers so that the authorities can start an investigation.