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support@creditoptimum.com Walk in by appointment only.

Licensed Malaysian Moneylender

Money Lending.
Done Honestly.

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Fully Licensed under KPKT No Upfront Processing Fees No withholding of ATM cards Agreement Signing at Our Registered Office Direct Payments to Company Only Immediate Disbursement After Signing Clear Repayment Schedule in Writing Early Settlement Options LHDN-Stamped Legal Documents Fully Licensed under KPKT No Upfront Processing Fees No withholding of ATM cards Agreement Signing at Our Registered Office Direct Payments to Company Only Immediate Disbursement After Signing Clear Repayment Schedule in Writing Early Settlement Options LHDN-Stamped Legal Documents

Are You?

  • Looking for RM 2,000 to RM 20,000
  • Need a short tenure: 2-18 months
  • Malaysian citizen
  • Below 55 years old
  • Not bankrupt
  • Have an active income source

We're here to help.

Apply Now Speak to an Agent

What We're Offering

Loan Services

Personal Loan

Personal Loan

When you are in need of financing for

  • Emergencies
  • Life events
  • Debt consolidation

Personal Criteria

Required documents:

  • 3 months bank statement
  • Pay slip
  • Personal IC
  • KWSP statement
  • Utilities bill with current address (TNB or Water Bill)
Business Loan

Business Loan

When your business requires

  • Cash flow
  • New equipment
  • Expansion

Business Criteria

Required documents:

  • 6 months company statement
  • Business SSM (Form 14)
  • Director IC
  • Utilities bill with current address (TNB or Water Bill)
Medical Loan

Medical Loan

For medical emergencies requiring

  • Hospital deposit
  • Emergency procedures
  • Pay and claim from insurance

Medical Criteria

Required documents:

  • 3 months bank statement
  • Pay slip
  • Personal IC
  • KWSP statement
  • Utilities bill with current address (TNB or Water Bill)

Why Choose Us

Why Borrowers Choose Optimum Touch

Fully Licensed
under KPKT

Agreement Signing
at Our Registered Office

LHDN-Stamped
Legal Documents

Immediate Disbursement
After Signing

Direct Payments
to Company Only

Clear Repayment Schedule
in Writing

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Loan Process Timeline

How the Process Works

Qualification to Apply

Share basic details. We quickly confirm if you qualify.

Getting in Touch

Our team will contact you to better understand how we can help.

Office Visit and Immediate Disbursement

Document verification, discussion of terms, signing of the agreement, and immediate loan disbursement.

Contact our agent

Real Customer Reviews

What Our Customers Say

Before signing, the officer explained the monthly installment, total repayment amount, and late-payment charges in writing. I received a stamped agreement copy and the disbursed amount matched exactly.

Verified Customer 01

Documented Terms Review

Application was handled face-to-face at the Batu Caves office. Documents were checked one by one, terms were explained in plain language, and disbursement was made after final approval.

Verified Customer 02

Face-to-Face Consultation

I requested an early settlement quotation after several months. The recalculation was shown clearly and the payable balance was confirmed with a proper settlement statement.

Verified Customer 03

Early Settlement Feedback

No upfront processing payment was requested. Every charge was disclosed during consultation and reflected in the signed paperwork before funds were released.

Verified Customer 04

No Upfront Fee Confirmation

Repayment date and amount were fixed according to my salary cycle, which made budgeting easier. Communication remained professional throughout the repayment period.

Verified Customer 05

Repayment Schedule Experience

I compared several offers first; this one was easier to understand because the agreement listed principal, interest, and total payable in one clear schedule.

Verified Customer 06

Transparency Comparison

00+

Years in Business

00+

Customers Served

00+

Completed Loan Cases

RM00M+

Total Loan Disbursement

Directly From the Blog

News & Articles

24 Feb, 2026
Compliance Team Compliance

How to Verify a Licensed Moneylender Before You Apply

A practical verification checklist before you share documents or sign any agreement, including what licensed lenders must disclose in writing.

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10 Feb, 2026
Operations Team Loan Process

What a Proper Loan Briefing Should Cover Before Signing

Understand the five points every borrower should confirm during consultation: disbursement, tenure, schedule, penalties, and written terms.

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14 Oct, 2025
Repayment Desk Payment Support

What to Do Early If You May Miss an Installment

Early communication can protect your account standing. Learn how to notify the lender and propose a realistic recovery plan.

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