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Years in Operation
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Our Trusted Financing Panels
We work with these leading cooperatives and financing institutions, and help submit your application to the panel that suits you best.
Financing amount from RM1,000 to RM300,000.
RCE (Yayasan Ihsan Rakyat)
Unsecured Shariah financing from RM2,500 to RM150,000 for civil servants, statutory bodies & selected GLC staff — no collateral or guarantor needed.
Up to 10 years tenureApply Now
Bank Rakyat
Islamic personal financing up to RM400,000 for public sector & GLC employees, from Malaysia's largest Islamic cooperative bank.
From 4.54% p.a.Apply Now
Komuja
Personal financing up to RM150,000 without a guarantor for government & statutory body staff, with salary deduction via Biro Perkhidmatan Angkasa (BPA). Also accepts CCRIS/CTOS credit issues.
From 12% p.a.Apply Now
Juara/Warga
Shariah-compliant personal financing up to RM250,000 for permanent government staff & statutory bodies, tenure 1 to 10 years, no guarantor required.
Decision within 2–3 business daysApply Now
Portiere
Personal financing for eligible government & statutory body staff, with a simple and fast application process.
Contact us for current ratesApply Now
Coshare
Murabahah-i personal financing up to RM400,000 for government & selected GLC staff, tenure up to 12 years — among the longest in the market — with free Takaful protection.
Decision within 2–3 business daysApply Now
Giatmaju
Personal financing for public sector & GLC staff, subject to eligibility and panel assessment.
Contact us for current ratesApply Now
UEMSB
Shariah-compliant i-FUND personal financing up to RM50,000 for government & GLC staff aged 21–59. Also accepts CCRIS/CTOS/AKPK cases.
Contact us for current ratesApply Now
YTAA
Personal financing for government, statutory body & selected GLC staff with competitive terms.
Contact us for current ratesApply Now
Evergreen
A KPKT-licensed financing partner working with various cooperatives & government agencies to offer personal financing to public sector employees.
Contact us for current ratesApply Now
...and more. These are just a few of our panels — apply once and we'll match you with the most suitable panel based on your eligibility.
Financing amount, profit rate, tenure and eligibility shown are indicative and set by each respective panel. Terms and conditions are subject to change without prior notice, and final approval is at the panel's discretion.
Are You Eligible To Apply?
Financing through our panels is designed specifically for public sector, statutory body and GLC employees across Malaysia.
This program is exclusively for public sector, statutory body, GLC staff, and staff of Berhad employers registered with ANGKASA. Other private sector employees and business/company owners are not included in this eligibility.
Credit Issues With CCRIS / CTOS / AKPK / SAA?
Don't worry — we can still review your case and look for a panel that assesses applications individually, even if your credit record isn't perfect.
Read moreMilitary Personnel Accepted
Members of the Malaysian Armed Forces (ATM) are also eligible to apply for financing through our panels.
Contract Staff Eligible
Government contract staff can also apply, subject to panel assessment and approval.
Read moreUp To Age 59
Malaysian citizens aged 20 to 58 at the time of application, with a maximum age of 59 at the financing maturity date.
No Collateral Or Guarantor
Most financing products offered through our panels require no collateral or guarantor — making your application process easier.
Operating Across All of Malaysia
No matter where you are — Peninsular Malaysia, Sabah, or Sarawak — our team is ready to help with your financing application.
Why Choose Us
An application experience built around speed, transparency, and genuine support.
Don't worry — we can still help!
Fast Process
For complete applications, the panel's decision typically arrives within 2–3 business days.
Transparent Flat Rates
No hidden fees or surprise charges — the panel's rates and terms are explained clearly before you agree.
No Collateral Required
Most loan types require no collateral, making it easier to get the funding you need.
Registered & Regulated Panels
We work with a range of financing panels, including cooperatives registered under the Co-operative Societies Act 1993 and regulated by Suruhanjaya Koperasi Malaysia (SKM), as well as other financing providers.
Dedicated Support
Reach our team directly via WhatsApp for quick answers and application help.
Flexible Repayment
Choose a tenure that fits your budget, with the option to repay early without penalty, subject to the panel's terms.
Application Process in 4 Easy Steps
A clear and transparent process — no confusion, no unnecessary delays.
- Check your estimated financing limit
- No commitment required
- Takes only 10 minutes to check
- Fill in the online or counter form
- Attach required documents
- An officer is assigned to help you
- Real-time application tracking
- Document review by our team
- Application submitted to a suitable panel
- Status updates via SMS/email
- Any issues resolved promptly
- Assessment and decision by the panel
- Decision typically within 2–3 business days
- Final review of terms before disbursement
- Post-loan support available
What Our Customers Say
Real experiences from customers who have used our services.
“The application process was fast and easy. Approved in just 3 days!”
“The staff were very helpful and friendly. No issues even though my CCRIS record wasn't great.”
“Affordable rates and no collateral needed. Highly recommended!”
“Alhamdulillah, my application was approved quickly. Thank you so much!”
“Very professional service. The WhatsApp team responded quickly.”
“I'm a contract staff member and they were still able to help me. Very satisfied with their service!”
Frequently Asked Questions
Answers to the most commonly asked questions about cooperative loans and personal financing through our panels.
To apply for personal financing through our panels, you need to meet the following criteria:
- Malaysian citizens aged 20 to 58 at the time of application, with a maximum age of 59 at the financing maturity date.
- Federal Government Staff (AG), State Government, Statutory Bodies and GLC*
- Permanent or contract position with a minimum of 6 months of service
- Applicants with high external commitments, blacklisted status, or CCRIS/CTOS/AKPK/SAA records can also apply for assessment
- Financing tenure from 1 to 10 years
- No upfront payment — application is 100% free
- Fast & easy application process
* Selected GLCs.
Apply for a Loan Today
Fill in the form below and our officer will contact you within 1 business day for a preliminary eligibility check.
Contact Us Directly
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2A-3A, Jalan PJU 8/5G, Bandar Damansara, Bukit Lanjan, 47820 Petaling Jaya, Selangor
Operating Hours:
Monday – Friday: 8:30 AM – 5:00 PM
Saturday: 9:00 AM – 1:00 PM