Smart Capital

Smart Capital is the most popular, extremely fast, secured and innovative Personal Loan Application for Malaysian. Smart Capital is your partner for personal loans. This is a mobile application that can help you in case of emergency and urgent personal loan need.Smart Capital offers a fast and hassle-free personal loan online with a simple paperless process. From your childs schooling to medical emergencies to credit card bill refinancing - we provide loans for all your lifes needs.Smart Capital is a Malaysia technology and financial services company or committed to building a more financially inclusive future for everyone. Through the Smart Capital application, our technology enables quick and secure access to credit at the push of a button.How to apply for personal loan from Smart Capital?• At first install Smart Capital personal loan application from the Play Store.• Apply for personal loan. Finish entire application within very short time.• Submit your bank or others statement.• Get real-time decision of loan terms.• Digitally sign agreement.• Residence verification.• Cash disbursal directly to your bank account.• Pay back in easy equivalent monthly installments.• Repay on time to get top loans and improve your credit score.Why do you choose Smart Capital personal Loan application?• Instant Disbursement: If your loan is approved, take your personal loan within very short time.• Easy Application: Just install the Smart Capital application on your mobile device and complete your application for personal loan in a few steps.• Simple Documents: All you have to do is provide your bank account and ID for the application.• Quick Response: We work hard to help you as soon as possible.To verify your identity, we require the following application permissions for your personal loan:• Location Access: To verify your address automatically.• Contacts Access: To easily designate your contact references.• Camera Access: To scan your ID to complete ID verification using Smart Capitals facial recognition technology.Terms=====- Minimum period for repayment 3 Months- Maximum period for repayment 24 Months- Maximum Annual Percentage Rate (APR) 18%.- Processing Fee) 10% of Loan AmountSample Case===========You apply for loan RM 4000 with period for repayment 6 Months and 1.5%/ Month or 18%/ YearWe would charge you RM 150 as Processing charges (10%)Total Interest Amount RM 360, would be calculated as RM 4000 (Loan Amount) X 1.5% (Interest/month) X 6 (Repayment period)Total Repayment Amount 4360, would be calculated as RM 4000 (Loan Amount) + RM 360 (Total Interest Amount)Total Loan Cost RM 510, would be calculated as RM 150 (Processing charges) + RM 360 (Total Interest Amount)Privacy and PermissionsData security and Privacy is a top priority at Smart Capital personal loan application. Your privacy is very important to us. We will scan your government-issued ID and other information to verify your identity and your credit profile. Your personal information will not be shared without your direct and explicit permission.