PPSB E-Loan

PPSB E-Loan is the official borrower app for Proficient Premium Sdn Bhd, a licensed money lender (PPW) 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.

LOAN TERMS & DISCLOSURES

Licensed lender: Proficient Premium Sdn Bhd
KPKT license no.: WL5127/10/01-11/030826
SSM registration: 200301015650 (618070-W)
Registered address: B-21-1, Level 21, Tower B, Northpoint Mid Valley City, No. 1, Medan Syed Putra Utara, 59200 Kuala Lumpur, Wilayah Persekutuan, Malaysia
Privacy policy: https://ppsb-eloan.com.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 1%, stamping fee RM 150), and schedule appear in your Loan Agreement after approval.

WHAT YOU CAN DO

• Apply for personal loans online (RM 1,000 – RM 50,000)
• 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: admin@proficientpremium.com
Phone: 03 9770 2200
Web: https://ppsb-eloan.com.my