Terms & Conditions

1. About us

This website is operated by Bendera Pesona Sdn Bhd (PM Credit), a moneylender licensed by the Ministry of Local Government Development (KPKT). Company registration: BENDERA PESONA SDN BHD 201701000080 (1214230-W). KPKT License No.: WL7409/10/01-4/090428. By accessing or using this website and our services, you agree to these Terms & Conditions.

2. Eligibility

To apply for a loan you must be a Malaysian citizen, aged 21 and above, a salaried employee earning a minimum of RM1,500 per month, with at least 3 months of service with your current employer, and residing or working within KL & Selangor, Malaysia. You must not be a declared bankrupt or under AKPK's debt management program.

3. Loan amounts, tenure and interest

• Loans range from RM500 to RM10,000. Amounts beyond this are reviewed on a case-by-case basis.
• Loan tenure is flexible between 6 and 24 months.
• The maximum interest rate is 18% Per Annum (unsecured personal loan).
• We do not require any guarantor or collateral, and we do not collect any security deposit or advance installment fees.

4. Application and approval

All applications are assessed individually based on your credit profile and ability to repay. We may request supporting documents and obtain a credit report from a licensed credit bureau. The approved amount may differ from the amount requested. We aim to process applications within 24 hours, subject to complete documentation.

5. Disbursement

In accordance with KPKT regulations, all customers must attend our office in person to sign the loan agreement, and loan amounts are disbursed only via online banking transfer to a bank account registered in your name. No cash disbursement is permitted.

6. Repayment and default

Repayments must be made on or before the due date via internet banking, DuitNow, cash deposit, or MEPS ATM transfer. Late payments incur charges as stated in your loan agreement. Early settlement is allowed subject to early settlement charges. In the event of default, legal action may be taken and all recovery costs (including solicitors' costs) may be borne by you, and your credit rating may be affected.

7. Fees

Statutory charges such as legal and stamp duty fees apply only once your loan is approved and you have signed the loan agreement.

8. Fraud & impersonation

We will never request upfront payments or ask you to transfer money to a third-party or personal bank account. If you are unsure whether you are dealing with us, verify by contacting 011-55532850. See our Scammer Alert for details.

9. Limitation of liability

The information on this website is provided for general information only and does not constitute financial advice. We are not liable for any loss arising from reliance on this website or from unauthorised access to your account resulting from your failure to safeguard your credentials.

10. Governing law

These Terms are governed by the laws of Malaysia, and you submit to the exclusive jurisdiction of the Malaysian courts.

11. Contact

For questions about these Terms, contact us at 011-55532850 or via WhatsApp.