Licensed Loans You Can Trust
Registered With KPKT Malaysia Legal,Secure,No Hidden Charges
No upfront payment
No Hidden Fee
Made For You
Helping You From A-Z
Loan Eligibility
Personal Loan
- Malaysian aged 20–60
- Permanent job (min. 3 months)
- Valid local bank account
- Min. income RM1,500/month
Business Loan
- NRIC (front & back)
- 6 months bank statements
- Extra docs for partnership/Sdn. Bhd. (if applicable)
- Sole Prop, Partnership, or Sdn. Bhd. (SSM/local authority)
- Min. 6 months in operation
- Min. RM3,000 monthly business income
Personal Loan
Licensed Moneylender Personal Financing
Apply for a safe and fast personal loan that suits your financial needs—no upfront fees, no ATM card required. Exclusively for salaried employees.
Fast, safe, and hassle-free financing for salaried employees.
- Interest from 3%–9% p.a.
- Loan amount: RM1,000 – RM200,000
- Tenure: 1 – 7 years
- Approval within 1 working day (with complete documents)
Business Loan
Fast Approval within 2-3 working days. In both conventional and Islamic
Affordable Interest/profit rate of 0.6% to 0.9% per month. Flexible tenure up to 36 months
No Hidden Fees
Free application, no upfront payment or deposit.
Fully Online & Convenient
Available nationwide. No collateral needed.
Debt Consolidation
Fast Approval within 2-3 working days. In both conventional and Islamic
Affordable Interest/profit rate of 0.6% to 0.9% per month. Flexible tenure up to 36 months
No Hidden Fees
Free application, no upfront payment or deposit.
Fully Online & Convenient
Available nationwide. No collateral needed.
Business Registration No: 0680951P
License No: WL6554/05/01-6/151126
About Us
We are licensed financial services provider based in Malaysia. Our mission is to offer fast, flexible, and trustworthy loan solutions for individuals, self-employed workers, and business owners who may not qualify through traditional banks.
We understand that every client has a unique financial situation. Whether you’ve been rejected by banks or are blacklisted, we’re here to help you find a solution. With professionalism and transparency, we assist you through the application process to secure the funds you need — quickly and legally.
Our Commitment to You
We understand that applying for a loan can be overwhelming — we’re here to make the process smooth and stress-free.
Absolutely Free
Our service is completely free of charge. You’ll never be asked to pay any upfront fees.
Your Needs Come First
Your financing needs are our top priority. We work exclusively with licensed and trustworthy moneylenders to ensure your peace of mind.
Hassle-Free Convenience
From start to finish, our dedicated loan consultants will guide you every step of the way. Check your loan rates instantly and receive your funds in as fast as 1 working day*.
Full Transparency
We offer clear, honest loan terms — no hidden charges, no upfront costs.
Leading Loan Solutions in Malaysia
Hear from Our Happy Customers
You Could Be Next!
Saya sangat puas hati dengan Novaloyal Capital. Proses cepat, mudah, dan tak ada masalah. Pasukan mereka mesra dan profesional. Kalau perlukan pinjaman peribadi, memang saya syorkan!
Novaloyal Capital is really reliable. Got my loan approved quickly and the terms were super clear, no hidden fees. Big thanks for the excellent service!
Terima kasih, saya dapat bantuan kewangan yang saya perlukan dengan cepat. Proses lancar dan kakitangan sangat membantu. Memang saya syorkan!
Saya perlukan pinjaman cepat untuk perniagaan, dan mereka bagi. Pasukan profesional dan mereka bantu saya sepanjang proses. Perkhidmatan yang sangat baik!
How to Apply Loans With Us?
1. Submit Your Request
Click "Apply Now" and let us know your financing needs.
2. Find Your Best Match
Compare available options and choose the loan product that fits you best.
3. Complete Your Application
Submit your documents and receive personalized assistance from our dedicated loan consultants.
FAQ About Business Loans
A financing product that offers micro credit facility to SMEs, to boost cash flow for business expansion and working capital needs.
This business loan is provided by Nova Loyal Capital’s business partners (licensed lender or financier). Application via Direct Lending is 100% free, no upfront payment or deposit is required.
You may apply for either Islamic or conventional financing.
The interest / profit rate is 0.6% to 0.9% per month, subject to approval.
The application is 100% free and no upfront payment or deposit is required.
There will be a 8% processing fee (inclusive of stamp duty & guarantee fee), deducted upon disbursement from the loan/financing amount.
The amount of financing that you are eligible to apply would depend on a few factors such as your business income, current debt commitment and credit history. The maximum financing amount is depends on your affordability with flexible repayment tenure between 3 months to 36 months.
You are eligible to borrow with:
* A business entity registered with SSM or local authorities (Sabah & Sarawak) as:
* Sole proprietorship/ enterprise;
* Partnership / Limited Liability Partnership (LLP); or
* Private Limited Company (Sdn. Bhd.)
* Minimum 6 months in business operations;
* Minimum business income or revenue of RM3,000 per month;
You would receive an approval within 1-2 working days upon full documents submission. Receive your financing within 2 working days upon signing of agreement via online.
Note: Every reasonable effort has been made to ensure that the turnaround time is adhered to but the timeline may still be subject to change depending on various circumstances including but not limited to the completeness of information furnished by the applicant.
Yes, you can make an early repayment.
Nova Loyal Capital are Licensed Loan Company that operates under the regulation of KPKT / Kementerian Perumahan & Kerajaan Tempatan. We can help individuals or SMEs to search, compare and apply for financing that is most suitable for them. We only partner with trusted and licensed lenders or financiers.We strictly obey the law and regulations set forth by the Money Lending Act 1951.
Our service is 100% FREE and will not require any payment from our customers at any time.
Discover a Smarter Way to Borrow Today
NOVA LOYAL CAPITAL SDN. BHD (0680915P)
LICENSE NO: WL6554/05/01-6/151126
INCORPORATION DATE: 8 FEB 2005
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Contact:
Company Address:
NU EMPIRE , JALAN SS16/1,SS16 47500 SUBANG JAYA SELAGOR