Smart Capital

Smart Capital is the most popular, extremely fast, secured and innovative Personal Loan Application for Malaysian. Smart Capital is your partner for personal loans. This is a mobile application that can help you in case of emergency and urgent personal loan need.
Smart Capital offers a fast and hassle-free personal loan online with a simple paperless process. From your child's schooling to medical emergencies to credit card bill refinancing - we provide loans for all your life's needs.
Smart Capital is a Malaysia technology and financial services company or committed to building a more financially inclusive future for everyone. Through the Smart Capital application, our technology enables quick and secure access to credit at the push of a button.

How to apply for personal loan from Smart Capital?
• At first install Smart Capital personal loan application from the Play Store.
• Apply for personal loan. Finish entire application within very short time.
• Submit your bank or others statement.
• Get real-time decision of loan terms.
• Digitally sign agreement.
• Residence verification.
• Cash disbursal directly to your bank account.
• Pay back in easy equivalent monthly installments.
• Repay on time to get top loans and improve your credit score.

Why do you choose Smart Capital personal Loan application?
• Instant Disbursement: If your loan is approved, take your personal loan within very short time.
• Easy Application: Just install the Smart Capital application on your mobile device and complete your application for personal loan in a few steps.
• Simple Documents: All you have to do is provide your bank account and ID for the application.
• Quick Response: We work hard to help you as soon as possible.

To verify your identity, we require the following application permissions for your personal loan:
• Location Access: To verify your address automatically.
• Contacts Access: To easily designate your contact references.
• Camera Access: To scan your ID to complete ID verification using Smart Capital's facial recognition technology.

Terms
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- Minimum period for repayment 3 Months
- Maximum period for repayment 24 Months
- Maximum Annual Percentage Rate (APR) 18%.
- Processing Fee) 10% of Loan Amount

Sample Case
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You apply for loan RM 4000 with period for repayment 6 Months and 1.5%/ Month or 18%/ Year
We would charge you RM 150 as Processing charges (10%)
Total Interest Amount RM 360, would be calculated as RM 4000 (Loan Amount) X 1.5% (Interest/month) X 6 (Repayment period)
Total Repayment Amount 4360, would be calculated as RM 4000 (Loan Amount) + RM 360 (Total Interest Amount)
Total Loan Cost RM 510, would be calculated as RM 150 (Processing charges) + RM 360 (Total Interest Amount)

Privacy and Permissions
Data security and Privacy is a top priority at Smart Capital personal loan application. Your privacy is very important to us. We will scan your government-issued ID and other information to verify your identity and your credit profile. Your personal information will not be shared without your direct and explicit permission.