Licensed Personal Loans. Safe & Fast.
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About ICASH CAPITAL
We are a trusted financial services platform connecting Malaysians with licensed moneylenders across the country. Our mission is to simplify the borrowing process, ensuring every applicant receives fair, transparent, and legally compliant loan options tailored to their needs. We understand that financial emergencies can arise at any time, and navigating the lending landscape can be overwhelming—especially when you’re unsure who to trust.
That’s where we come in. ICASH CAPITAL SDN. BHD. (SSM: 1363235X) was established to bridge the gap between borrowers and legitimate, government-licensed moneylenders. We take the guesswork out of finding a loan by doing the hard work for you—matching your profile with the best available offers, negotiating transparent terms, and guiding you through every step of the application process. With us, you’re never alone. We’re here to ensure you get the financial support you deserve, without the stress, without the hidden fees, and without compromising your security.
Our Approach
Every borrower is unique. We take the time to understand your financial situation, needs, and goals before matching you with the right loan package.
Applying for a loan can be stressful.
We make borrowing simple, safe, and stress-free. Here’s what you can expect when you choose us.
Your Needs Come First
We are committed to understanding and fulfilling your financial requirements. We partner exclusively with government-licensed moneylenders to ensure your safety.
End-to-End Support
Our dedicated loan consultants guide you every step of the way. Get instant rate quotes and receive your funds in as little as 1 working day*.
Clear & Honest Pricing
No surprises. We provide full transparency on rates with zero hidden charges or upfront fees. You pay exactly what you agree to.
Completely Free Service
Our assistance costs you nothing. We never charge any upfront fees at any stage of the process.
Safe Personal Loans From Licensed Partners
We connect you with trusted, government-licensed moneylenders across Malaysia. Here’s what you can expect.
- Interest rate from as low as 1.5% per month or 18% per annum.
- Loan amounts from RM1,000 to RM20,000.
- Flexible loan tenure from 1 to 4 years.
- No ATM card holding. No upfront payment.
- Approval as fast as 1 working day.
- Over 20 licensed partners nationwide.
Loan Payment Calculator
Estimate your monthly instalments in seconds. Adjust the numbers to find a plan that fits your budget.
Are You Eligible?
Check if you qualify for a personal loan from our licensed moneylender partners. Most employed Malaysians are eligible!
Aged between 20 – 60 years old.
Malaysian citizen aged between 20 – 60 years old.
Permanent Employment
Have a permanent job (private or government sector) with at least 3 months of working tenure
Not bankrupt
No bankruptcy record.
Valid Bank Account
Have an active Malaysian bank account under your name.
Low Credit Score Welcome
No credit history or low credit score can apply
Minimum Income RM1,500*
Minimum gross monthly fixed income (basic & allowances) of RM1,500
How to apply for Licensed Moneylender Personal Loans?
Getting your loan is quick and easy. Just follow these 3 simple steps and let us handle the rest.
Compare & Choose
Fill in a short form with your loan amount, income, and basic details. Our system will match you with the best available options.
Implementation & Optimization
Review the loan packages from our licensed moneylender partners. Choose the one with the best rate and tenure that fits your budget.
Submit & Get Funded
Upload your required documents online. Our loan consultant will assist you personally until your funds are successfully disbursed.
What Our Happy Customers Say
We follow a clear and collaborative consulting process designed to understand your business, identify opportunities, and deliver strategies that create real, measurable results.
"I needed urgent cash for my mother's medical treatment. I applied through ICASH CAPITAL and got approval within 24 hours. The consultant explained everything clearly—no hidden charges, no ATM card required. Highly recommended for anyone needing fast and safe personal loans!"
Frequently Asked Questions
We follow a clear and collaborative consulting process designed to understand your business, identify opportunities, and deliver strategies that create real, measurable results.
They are lenders registered with the Ministry of Housing and Local Government (KPKT) or relevant statutory bodies, operating in accordance with Malaysian laws.
The interest rate is up to a maximum of 18% per annum (1.5% per month) as permitted by law for licensed moneylenders.
Loan amounts range from RM1,000 to RM20,000 with flexible tenures between 1 to 4 years.
Licensed moneylenders do not ask for upfront fees, do not hold ATM cards, and have a valid physical office and SSM registration number that can be verified.
The main requirements are being a Malaysian citizen, aged 20–60, having a permanent job, and earning a minimum income of RM1,500.
Get In Touch With ICASH CAPITAL
Have questions or need assistance? We’re just a message or call away. Reach out to us and our team will respond promptly.
Business Hours
We're available Monday to Friday, 9:00 AM – 6:00 PM to assist you.
Call Us Anytime
Speak directly with our loan consultants for immediate assistance.
Send a Message
Drop us a message and we'll respond within 24 hours.