Your Partner in Financial Growth

Explore flexible financing solutions designed to accelerate your business growth. Whether you’re a small enterprise or an expanding startup, our seamless process and competitive rates empower you to achieve your financial goals swiftly.

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About Khasjaya Kredit

Empowering Your Financial Growth

Welcome to Khasjaya Kredit, where we specialize in flexible and transparent financial solutions for SMEs and startups in Kota Bharu, Kelantan, and beyond. With a focus on personalized service and competitive rates, we empower businesses to thrive and achieve their goals efficiently. Our commitment is to provide clear, reliable support that simplifies financial processes and fuels entrepreneurial success.

Why Choose Us

Empowering Your Financial Journey

At Khasjaya Kredit, we’re your trusted partner in financial growth, prioritizing transparency, flexibility, and personalized service. We specialize in tailored financial solutions for SMEs and startups in Kota Bharu, Kelantan, and beyond, simplifying your journey to achieving business objectives swiftly and effectively.

Fast Approval and Disbursement

Experience a quick online application process with approval within 2 working days. Receive financing within 24 hours of approval.

Transparent and Fair Pricing

We charge a one-time utilization fee upon disbursement and offer a competitive interest rate, ensuring transparency with no hidden fees.

Simplified Documentation:

Prepare just three essential business documents for your financing application, making the process straightforward and efficient.

Low Interest Rate

Our interest rates range from 2.88% to 10.88%, ensuring competitive options for all customers.

Our Services

Discover our premier loan solutions.

Personal Loan

Obtain the financial flexibility you need to cover personal expenses, whether it's for consolidating debt, covering medical bills, or funding a major purchase. Our personal loans offer competitive interest rates and flexible repayment options to suit your financial situation.

Business Loans

Empower your business with the necessary capital to fuel growth, expand operations, or manage cash flow. Our business loans provide tailored financing solutions with competitive rates and terms, designed to help your business thrive and succeed.

Student Loans

Secure the funds you need to pursue higher education without financial stress. Our student loans cover tuition fees, accommodation, books, and other education-related expenses, offering flexible repayment plans and interest rates to support your academic journey.

Emergency Loans

Access quick and reliable funding to handle unexpected expenses or financial emergencies. Our emergency loans offer fast approval and disbursement, with terms designed to ease your financial burden during challenging times.

Ready to Empower Your Business?

Take the next step towards financial growth with Khasjaya Kredit. Discover how our flexible financing solutions and expert guidance can help your business thrive. Contact us today to get started!

How to apply?

Applying for Financing Made Easy

Getting started with Khasjaya Kredit is simple and straightforward. Follow these steps to apply for our flexible financing solutions tailored to your business needs.

Complete the application form

It will only require a few minutes of your time, and you can save your progress to resume at any point within 30 days.

Financing offer

We will review your application and aim to provide a tentative offer within 2 working days.

E-sign contract and receive funds

Once your financing is approved, simply e-sign the contract to receive the funds directly into your business bank account.

Common Questions

How can We Help?

Explore our frequently asked questions to find answers about our services, application process, and more. If you don’t find what you’re looking for, feel free to contact us directly.

We offer term loans and working capital financing tailored for SMEs and startups.

 

Fill out our online application form and submit basic documents like company bank statements and director IC.

 

Prepare company bank statements and director IC. Additional requirements may apply based on your financing needs.

 

You'll receive a tentative offer within a few working days after submitting your application and documents.

 

No, our financing solutions come with transparent terms and no hidden fees.

 

Yes, we serve businesses nationwide with our flexible financing options.

 

We prioritize customer confidentiality and comply with data protection regulations.

 

We provide ongoing support to ensure your satisfaction and assist with additional financing needs.

Discover Your Path to Financial Freedom

Unlock the potential of your business with Khasjaya Kredit’s tailored financing solutions. Start your journey towards financial freedom today by exploring our comprehensive range of services.

Testimonials

Trusted by Businesses Across Malaysia

Discover how Khasjaya Kredit has helped businesses like yours achieve their financial goals. Read testimonials from our satisfied clients who have experienced our quick, transparent, and flexible financing solutions.

Nurul Businesswomen

Khasjaya Kredit provided the perfect financing solution right when we needed it most. Their quick and transparent process helped us improve our cash flow and grow our business.

Aisha Rahman Founder, Aisha's Boutique

Khasjaya Kredit's flexible financing allowed me to upgrade my inventory and expand online. The application process was straightforward, and their support was exceptional.

Ahmad Freelancer

I was impressed by the speed of Khasjaya Kredit's financing process. Within days, I had the funds to invest in new delivery vehicles and grow my business.

Farah Owner, D Café

Khasjaya Kredit made it easy for me to secure financing for my café. Their efficient service and clear terms helped me renovate and attract more customers.

Apply Now

Applying for financing with Khasjaya Kredit is straightforward. Prepare the following documents and begin your application process online.

Personal loan

  • Payslip Latest 3 Months
  • IC (Front & back)
  • Company Confirmation Letter

Business Loan

  • SSM Section 14,17,58
  • Latest 6 Months Bank Statements
  • All Directors’s IC

Contact Center

011-16172912 Encik Wan
017-6487637 Puan Wan

Office Location

F-2, Tingkat 2, Blok F Excella Business Park,, Jalan Ampang Putra, Taman Ampang Hilir, Kuala Lumpur 55100, Kuala Lumpur Cawangan: Kota Bharu, Kelantan

Mail Address

khasjaya.1@gmail.com