Pinjaman Tanpa Slip Gaji —
Bank Statements Accepted
For the self-employed, freelancers, commission-based workers, and borrowers with imperfect CCRIS. We assess your actual cash flow — not just whether you have an EA form. RM1,000–RM250,000.
- KPKT WL1234/5678Licensed
- PDPA + HTTPSEncrypted
- No upfront feesTransparent fees
- 24-hour decisionWorking days
Who this fits
Built for borrowers banks routinely turn away.
Self-employed & freelancers
Bank statements (3-6 months) replace payslips. SSM helpful but not required for amounts under RM50k.
Commission-based workers
Sales, real estate, Grab/e-hailing — we look at your average monthly inflow over 6 months, not a fixed salary.
CCRIS / CTOS imperfect
Late payments from 2+ years ago, low credit score, or one CTOS entry — we still review honestly. Court judgments are harder but worth a chat.
Documents
What we accept instead of a payslip
A licensed moneylender is required to verify income before lending (Moneylenders Act 1951 + AMLA), but the law does not specify that the verification must be a payslip. We accept any of these — pick whichever you actually have:
- 3 months bank statementsOriginal PDF from your bank app — shows actual cash flow patterns.
- 6 months bank statements (commission-based)Smooths out high/low months for sales, e-hailing, real estate workers.
- Latest BE/B income tax returnHelps for self-employed with multi-year business history.
- EPF (KWSP) statement, 6-12 monthsUseful if you contribute regularly even without traditional payslips.
- Invoices + payment proof (freelancers)Recent invoices paired with bank deposits showing the corresponding amounts.
You do not need ALL of these — just whichever one fits your situation. Send what you have on WhatsApp; we will tell you within an hour if anything else is needed.
Try the numbers
See what your monthly payment looks like
Move the sliders to model different amounts and tenures. Same calculation whether you have payslips or only bank statements — your eligibility might differ, but the cost of the loan does not.
Loan Calculator
Calculate your estimated monthly payments
Payment Summary
About CCRIS / CTOS
A bad credit history is not the end of the road.
Banks rely heavily on CCRIS scoring because they have to fit you into one of a small number of risk buckets. Licensed moneylenders have more flexibility — we can look at the story behind the score: when did the late payments happen, what has your behavior been since, what is your current cash flow look like?
We will be honest with you. Some patterns are genuinely hard to lend against — recent court judgments, multiple unresolved defaults, very high current DSR. If your situation is one of those, we will tell you within an hour and suggest alternatives like AKPK rather than waste your time. But late payments from years ago, with clean recent behavior? Absolutely workable.
How to give yourself the best shot: Get your free CCRIS report from BNM (eCCRIS portal), screenshot the recent 6 months page, and send it on WhatsApp with a one-line note about the situation. We can tell you yes/no within an hour, before you fill in any form.
FAQ
Frequently asked questions
Can I really get a personal loan without a payslip in Malaysia?
Yes, as a licensed moneylender we accept 3 months of bank statements showing regular income deposits in place of payslips. Banks usually insist on payslips because they need them for their internal scoring; we look at your actual cash flow instead.
I am self-employed without SSM business registration. Am I eligible?
Possibly. SSM is helpful for amounts above RM50,000 but not mandatory below that. Send 3-6 months of bank statements showing business income and we will assess your case honestly within an hour during working hours.
My CCRIS shows late payments. Will I be rejected?
Not automatically. We weigh your current cash flow more than past CCRIS entries. Late payments from 2+ years ago are usually not a problem if your recent (last 6 months) repayment behavior is clean. Send your CCRIS or your bank statements on WhatsApp and we will tell you upfront.
I am blacklisted on CTOS. Is there any chance?
There is a path, but it depends on the reason. Blacklisting from a court judgment is harder than CTOS-only entries. We will be honest with you within an hour — if it is a no, you save time; if it is a yes, we move fast.
I work commission-based (sales, real estate, e-hailing). What documents?
For commission-based work: 6 months of bank statements (instead of 3) so we can see the average income across high and low months. If you have a recent EA form for tax filing, that helps too — but it is not required.
I am paid in cash and have no bank deposits. Can I still apply?
This is the hardest case. Without any documented income trail we cannot legally lend (AMLA requires evidence). Practical solution: deposit 3 months of your cash income into a bank account first, then apply. We can still discuss your situation on WhatsApp meanwhile.
Do I need a guarantor?
No, not for personal loans up to RM50,000 — even without payslips. Larger amounts may need additional documentation but we still rarely require a guarantor.
How fast is the decision compared to a bank?
Banks decline non-payslip applications quickly (often within minutes) but it is a rejection, not an approval. We take 1–24 hours but the answer is more often yes — and when it is no, you get a clear reason rather than a vague decline.
What is the interest rate for non-payslip loans?
Same as any other loan with us: 12-18% per annum, simple interest — the legal cap for licensed moneylenders. Documentation type does not change the rate; loan amount, tenure and your repayment profile do.
How much can I borrow without payslip?
Same range as standard applications: RM1,000 to RM250,000. The qualifying amount depends on your demonstrated cash flow, not on which document you submit. Strong bank statements can qualify you for amounts comparable to a salaried borrower with payslips.
Get started
Send your bank statement on WhatsApp. Get an honest answer in an hour.
No payslip, no problem. We assess what you actually earn, not what an EA form says.
Mon-Fri 9am-6pm · Sat 9am-1pm · KPKT WL1234/5678
Amanah Best Credit Sdn Bhd (202301012345-D) is a licensed moneylender under the Moneylenders Act 1951 (Licence No: WL1234/5678). Interest rate: 12-18% per annum. Subject to terms, conditions and approval.