Personal Loans for KL & Selangor
Approval within 4 working hours, rates from 9.88% p.a. to 15.00%p.a.
Official Schedule J agreement signing. No upfront payment ever.
Why choose us
Straightforward lending,
start to finish
Approval in
4 Working Hours
Send us complete documents and we’ll have a decision back to you within 4 working hours.
Rates 9.88%–15.00% P.a
Well under the Act 400 ceilings of 12% and 18% — and every figure goes in writing.
Private & Confidential
Your application stays between us — handled discreetly and kept strictly confidential.
Official Schedule J
Every loan is documented on the KPKT agreement form, so your terms are legally protected.
About us
Licensed, regulated, and lending since 2019.
XIN HAI Sdn. Bhd. is a licensed lender regulated by KPKT under the Moneylenders Act 1951. Since 2019 we’ve settled more than 2,000 loans for borrowers across Kuala Lumpur and Selangor — always with a written Schedule J agreement, clear repayment terms, and nothing to pay upfront.
Clear Written Terms
Amount, rate, tenure and monthly instalment are agreed in writing before anything is disbursed.
2,000+ Loans Settled
Seven years lending across Kuala Lumpur and Selangor, on terms that stay exactly as quoted.
What we offer
Loans built around your situation
Whatever the reason, the process is the same — apply, get a decision in 4 working hours, and receive the approved loan amount.
Personal Loan
For life’s larger costs
Min Amount: RM2,000
Max Amount: RM30,000
Term: 12Months
Rate: Up to 15%p.a
Business Loan
For the self-employed
Min Amount: RM5,000
Max Amount: RM50,000
Term: 6 to 12 Months
Rate: Up to 15%p.a
Secured Loan
From 9.88% p.a.
Min Amount: RM20,000
Max Amount: RM200,000
Term: 12 to 24 Months
Rate: From 9.88%p.a
Debt Consolidation
One fixed instalment
Amount: Per Case Basis
Term: Per Case Basis
Rate: Up to 15%p.a
Not sure if you qualify?
Ask us — free and confidential
Eligibility
What you need to apply
Most applications need nothing more than the documents listed here. Send them complete and you’ll have a decision within 4 working hours — and if anything further is needed, we’ll tell you at the start, not at the end.
Coverage
Serving Kuala Lumpur and Selangor
We lend to borrowers across both territories. Wherever you are in the Klang Valley, the process, the documents and the rates are exactly the same.
Representative Example
A personal loan of RM10,000 repaid over 12 months:
Loan amount: RM10,000
Interest rate: 12% per annum (flat rate)
Repayment term: 12 months
Monthly instalment: RM933.33
Total interest: RM1,200
Total amount payable: RM11,200
This is an illustrative example only.
Actual rate, terms and eligibility depend on our assessment of your financial circumstances and are subject to approval.
How it works
Four steps from enquiry to funds
Our promise
Nothing to pay before your money arrives
Rates from 9.88% p.a. — fixed before you sign
Secured loans start at 9.88% a year and unsecured go up to 15% — both well under the legal maximums of 12% and 18%. Your rate is confirmed in writing before anything is signed, and it stays the same for the whole term.
Have a question first?
Message us — reply whenever it suits you.
Our record
Lending to Kuala Lumpur and Selangor since 2019
2000+
Loans settled
Funded for salaried workers, business owners and the self-employed across the Klang Valley.
Seven years of lending, and the same approach every time — clear terms, no upfront charges, and a decision you can plan around.
Most people come to us because they needed an answer in days rather than weeks. We look at what you can afford to repay now, not only at your credit history. And if we can’t help, we’ll tell you quickly rather than leave you waiting.
Our commitments
Three things we will never ask of you
If anyone claiming to represent us does any of these, it isn’t us.
Nothing To Pay Upfront
No processing fee, no deposit, no “legal fee”. You pay nothing before your loan is disbursed.
Your Documents Stay With You
We only ever need copies to assess your application. Originals remain in your possession, start to finish.
Everything In Writing
Your amount, rate, tenure and instalments are agreed and signed before any money moves.
Get started
Find out what you qualify for
Send us your details and we’ll come back within 4 working hours with the amount, rate and monthly instalment — in writing, with nothing to pay upfront. If you’d rather just ask a question first, message us on WhatsApp instead.