Property-Backed
Secured Property Financing
Financing secured against property — residential homes, shop lots and commercial units, factories and agricultural land. Clear, regulated monthly rates and flexible tenures, with no hidden cost.
AMLI Kredit
Financing built
on trust.
AMLI Kredit is a licensed lender providing property-backed, personal and SME financing to underserved Malaysians — fast, transparent and fair, with no hidden cost.
- Secured
- Personal
- SME
- Licensed
By the numbers
RM 43M+
Financing extended
137
Loans funded
96
Months max tenure
About AMLI Kredit
Fair, fast, property-backed financing.
AMLI Kredit is a licensed lender offering more flexible and transparent financing than conventional institutions — primarily secured against property, alongside personal and SME credit. We bridge financial gaps with speed and personalised plans for individuals and businesses underserved by traditional banks. Backed by the financial strength of the wider AMLI group, we lend on merit and treat every customer fairly.
Financing
Credit that meets real needs.
Individuals
Personal Financing
Flexible personal credit to bridge financial gaps and support life's important moments — clear terms, fair treatment, no hidden cost.
Businesses
SME & Business Financing
Working-capital and growth financing for small and medium enterprises underserved by conventional banks.
Why AMLI Kredit
Different from a traditional bank.
Rates capped by law
Our property-backed financing is regulated under the Moneylenders Act 1951 — a transparent monthly rate held to a 1% ceiling that never climbs higher, with no compounding and no hidden charges. Your exact rate reflects your loan amount and profile.
Approval in 2–3 days
Fast, disciplined assessment — typically approved within two to three working days once documents are complete.
Zero early-settlement fee
Settle your loan ahead of schedule with no penalty. Full transparency, no hidden cost.
Licensed & secured
A licensed lender regulated under the Moneylenders Act 1951, with capital protected through proper collateral perfection.
How It Works
A clear, four-step process.
- 01
Apply & submit documents
Tell us what you need and share your details. We confirm the requirements within hours.
- 02
Valuation & site visit
We assess the property's value and verify it in person before making an offer.
- 03
Letter of Offer
We issue a clear written offer — amount, monthly rate, tenure and fees, with no surprises.
- 04
Sign & receive funds
Complete signing at our office; funds are disbursed once everything is cleared.
Required Documents
What to prepare for your application.
Having these ready helps us assess your application quickly.
- NRIC — front & back
- Latest 3 months' bank statements
- Latest 3 months' payslips / EA Form / SSM (business owners)
- Property Title — Geran (for secured financing)
- Quit Rent — Cukai Tanah
- Assessment — Cukai Pintu
FAQ
Clarity on your financing.
What types of financing do you offer?
Primarily secured financing backed by property collateral, alongside personal and small-business financing tailored to your profile.
What property can be used as collateral?
Residential houses, shop lots and commercial units, factories, and agricultural land.
What are the interest rates?
As a licensed lender, our rates are regulated under the Moneylenders Act 1951. Property-backed financing carries a transparent monthly rate held to a ceiling of 1% per month (12% per annum) — it never goes higher — with your exact rate based on the loan amount and credit profile. No compounding, no hidden charges.
How long does approval take?
Once your documents are submitted and verified, approval is typically granted within 2 to 3 working days.
Is there a penalty for early settlement?
No. There are zero penalty fees if you settle your financing earlier than the agreed tenure.
What is the maximum repayment tenure?
For property financing, we offer flexible repayment of up to 96 months (8 years).
An AMLI Group company
Apply for financing today.
Contact
Financing and general enquiries.
Wisma AMLI, 14, 14A, 14B, 14C, Jalan 20/38A, Off Jalan SegambutTaman Sri Sinar, 51200 Kuala Lumpur, Malaysia
General: +60 3-6263 6464
Email: [email protected]
Apply
Bridge the gap.
Tell us about your personal or business financing needs and our team will respond with a clear, personalised plan.