Skip Loan Processing Time
Apply With Us and Get Instant Approval Get up to RM500,000 cash today!
Very Low Rates on All Loans
93.5% Success Rate Guarantee
Flexible with Your Repayments
About Us
For over 15 years, Public Credit Capital has been a licensed and trusted moneylending company based in Penang. We are committed to serving our clients’ best interests by offering affordable rates and flexible loan solutions tailored to their individual financial needs. We understand that every customer faces unique financial challenges and unexpected emergencies. That’s why our loan packages are designed to provide effective support, helping individuals navigate difficult situations and regain financial control with confidence.
Our Popular
Loan Services
Our business loan packages are designed to provide you with high financing amounts, flexible terms, and affordable repayment options. Most importantly, our dedicated loan consultants are here to streamline the application process—saving you valuable time and ensuring a smooth experience.
Applying for a personal loan has never been easier—provided you have stable employment and a valid payslip. Enjoy a simple, hassle-free application process with results in as fast as 60 minutes. Once approved, your funds will be disbursed on the same day.
What Our Customers Say About Us
Fill up the form and our friendly and experienced consultant will contact you via phone or WhatsApp
Step 1 - Apply Online
Kindly prepare the below documents for faster approval process
· Company Registration (SSM)
· NRIC photocopy
· Bank Statement
· Water bill or Electric Bill
· Company Registration (SSM)
· NRIC photocopy
· Bank Statement
· Water bill or Electric Bill
Step 2 - Submit Supporting Documents
Loan application submit to management for approval, get result within 60 minutes
Step 3 - Waiting For Approval
You can expect your funds deposit into your bank account within 60 minutes upon your business loan approved
Step 4 - Get Cash
Business - Benefits
Loan Amount of RM5,000 – RM500,000
No Collateral Required
Loan Tenure Up To 5 Years
Easy Application
Approval Within 60 minutes
ELIGIBILITY For Business Loan Application
Sole proprietorship, Partnership, Limited Liability Partnership, Private Limited Company (Sdn Bhd) that are classified as SME under national Entrepreneur definition.
Malaysia-controlled or Malaysian-owned companies registered in Malaysia with at least 51% shareholding
Minimum 1 years in business operation
Meets all CGC eligibility requirements
| Total Loan | 6 Months | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years |
|---|---|---|---|---|---|---|
| 5,000.00 | 875.00 | 458.33 | 245.83 | 172.22 | 137.50 | 116.67 |
| 10,000.00 | 916.67 | 500.00 | 491.67 | 344.44 | 275.00 | 233.33 |
| 20,000.00 | 3,500.00 | 1,833.33 | 983.33 | 688.89 | 550.00 | 466.67 |
| 30,000.00 | 5,200.00 | 2,700.00 | 1,425.00 | 983.33 | 775.00 | 650.00 |
| 40,000.00 | 6,933.33 | 3,600.00 | 1,900.00 | 1,311.11 | 1,033.33 | 866.67 |
| 50,000.00 | 8,666.67 | 4,500.00 | 2,156.25 | 1,638.89 | 1,291.67 | 1,083.33 |
| 100,000.00 | 17,333.33 | 9,000.00 | 4,312.50 | 3,277.78 | 2,583.33 | 2,166.67 |
| 200,000.00 | 34,000.00 | 17,333.33 | 8,479.17 | 6,055.56 | 4,666.67 | 3,833.33 |
Payment SCheme
Address: 15-10, Hunza Tower, Jalan Kelawei, 10250 George Town, Pulau Pinang
Mobile: 011-6999 6328
Permit No: WL5010/07/01-6/046883 | Valid From: 01/01/2026 – 31/12/2026