Credibly

Credibly is the official borrower app for CREDIBLY FINTECH SDN BHD, a licensed money lender regulated under the Ministry of Housing and Local Government (KPKT), Malaysia. Apply for personal financing, sign your loan agreement digitally, and manage repayments from your phone — no branch visits.

LOAN TERMS & DISCLOSURES

Licensed lender: CREDIBLY FINTECH SDN BHD
KPKT license no.: WL3151/07/01-11/120826
SSM registration: 202501042958 / 1644366-H
Registered address: 31-10-11, THE CEO, LEBUH NIPAH 5, 11950 Bayan Lepas, Pulau Pinang, Malaysia
Privacy policy: https://credibly.my/legal/privacy-policy

Minimum repayment period: 6 months
Maximum repayment period: 24 months
Loans are not repayable in full within 60 days.

Maximum APR: 18% p.a. (flat rate on principal for the full term, before fees)

Representative example (illustrative only — not a loan offer):
• Principal: RM 10,000
• Term: 12 months
• Interest rate: 18% p.a. flat
• Total interest: RM 10,000 × 18% × (12 ÷ 12) = RM 1,800
• Total amount repayable (principal + interest): RM 11,800
• Monthly instalment: RM 11,800 ÷ 12 = RM 983.33
Final terms, fees (e.g. legal fee, stamping), and schedule appear in your Loan Agreement after approval.

WHAT YOU CAN DO

• Apply for personal loans online with clear product terms
• Upload documents securely and track application status
• Sign loan agreements digitally (where enabled)
• View repayment schedules, make payments, and track balance
• Attestation meetings and borrower notifications
• Manage your profile and account security

ELIGIBILITY & RISK

Borrowing involves financial commitment. Only borrow what you can repay. Approval is subject to lender assessment, documentation, and applicable law. Terms match products configured by the licensed lender and may change; always refer to your executed Loan Agreement.

SUPPORT

Email: info@credibly.my
Web: https://credibly.my