Loan Calculator
* Estimated only. Final terms subject to credit assessment and approval.
Apply for This LoanA Lender You Can Trust
We are committed to responsible lending, transparent terms, and genuine support for every borrower.
Licensed & Regulated
Registered with SSM (201601034075) and licensed by Bank Negara Malaysia. Your protection is our priority.
Transparent Terms
No hidden fees. All charges, interest rates, and repayment schedules are clearly disclosed upfront.
Fast Processing
Applications reviewed within 1–3 business days. You will be notified at every stage of the process.
Online Portal
Manage your loan, view repayment schedules, and track your application — all from your phone.
Responsible Lending
We assess your financial capacity carefully. We will not approve loans that put you at financial risk.
Data Privacy
Your data is protected under PDPA 2010 and CRA 2010. We never sell your personal information.
Loan Products for Every Need
Choose the loan product that best fits your financial goals and repayment capacity.
Personal Loan
Flexible personal financing for your everyday needs — from home renovation to education and medical expenses.
Business Loan
Fuel your business growth with working capital, equipment financing, or expansion funding.
SME Loan
Dedicated financing for small and medium enterprises to scale operations and seize growth opportunities.
How to Apply in 4 Steps
Our streamlined online application process makes it easy to apply from anywhere, anytime.
Register & Verify
Create your account with your email address and verify your identity via OTP.
Complete Your Profile
Fill in your personal, employment, and bank details. Upload your KYC documents.
Submit Application
Choose your loan product, amount, and tenure. Review and submit your application.
Receive Funds
Upon approval, funds are credited to your The Sea wallet within 1–3 business days.
Basic Requirements
To apply for a loan with The Sea Capital , you must meet the following basic criteria. Specific requirements may vary by loan product.
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Malaysian citizen or permanent resident
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Aged 21 to 65 years (varies by product)
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Minimum monthly income of RM 1,500
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Valid MyKad or passport
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Active Malaysian bank account
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No undischarged bankruptcy
MyKad / Passport
Front and back copy
Selfie with IC
Clear photo holding your IC
Payslip
Latest 3 months
Bank Statement
Latest 3–6 months
SSM Certificate
For business loans
Digital Signature
Drawn in the portal
What Our Borrowers Say
"The application process was straightforward and transparent. I knew exactly what I was signing up for — no hidden fees, no surprises. My personal loan was approved within 2 business days. Highly recommended for anyone looking for a trustworthy lender."
Ahmad Faizal
Petaling Jaya, Selangor · Personal Loan
"I was initially worried about applying online, but The Sea Capital made the whole process easy and secure. The team was responsive and professional. I used the SME loan to expand my bakery business and it has made a real difference."
Mei Ling Tan
Subang Jaya, Selangor · SME Loan
"What I appreciate most is the transparency. The repayment schedule was clearly laid out from day one. I could see exactly how much I owed each month and track my progress in the portal. The interest rate is competitive and the staff are helpful."
Rajesh Kumar
Shah Alam, Selangor · Business Loan
Frequently Asked Questions
The Sea Capital is a licensed lending company registered with the Companies Commission of Malaysia (SSM) under registration number 201601034075 (001746642-K) and regulated by Bank Negara Malaysia (BNM). We provide personal, business, SME, and secured loans to eligible Malaysian residents.
To be eligible, you must: (1) Be a Malaysian citizen or permanent resident; (2) Be aged 21 to 60 years (personal loan) or up to 65 years (business/SME/secured); (3) Have a minimum monthly income of RM 1,500 (personal) or as specified per product; (4) Have a valid MyKad or passport; (5) Have an active Malaysian bank account.
You can make repayments via: (1) Online banking (FPX) through your borrower portal; (2) Direct bank transfer to our designated account; (3) Cash deposit at our office. Payment details will be provided in your loan agreement and repayment schedule.
Yes. The Sea Capital is fully licensed and regulated by Bank Negara Malaysia (BNM) and registered with the Companies Commission of Malaysia (SSM). Our operations comply with the Moneylenders Act 1951, the Personal Data Protection Act 2010 (PDPA), and the Credit Reporting Agencies Act 2010 (CRA 2010).
Required documents vary by loan type. Generally, you will need: (1) MyKad (front and back); (2) Selfie holding your MyKad; (3) Latest 3 months payslip or proof of income; (4) Latest 3–6 months bank statement; (5) For business loans: SSM business registration certificate; (6) For secured loans: collateral documents (property title or vehicle V5C).
If you miss a payment, a late payment fee will be charged as specified in your loan agreement. Your account may also be flagged as overdue, which may affect your credit score. We encourage you to contact us immediately if you are facing financial difficulty — we may be able to arrange a payment plan.
Compliance & Regulatory Information
Company: The Sea Capital
SSM Registration: 201601034075 (001746642-K)
BNM License: Licensed Money Lender under the Moneylenders Act 1951
Address: 65 & 67, Jalan SS 22/23, Damansara Jaya, 47400 Petaling Jaya, Selangor
Data Protection: Compliant with PDPA 2010 and CRA 2010
Max Annual Rate: Total charges shall not exceed 24% per annum
Responsible Lending Statement
The Sea Capital practises responsible lending. We assess each application based on the applicant's financial capacity and creditworthiness. Borrowing beyond your means may lead to financial difficulty.
Nota (BM): The Sea Capital mengamalkan pemberian pinjaman yang bertanggungjawab. Sila pastikan anda memahami terma dan syarat pinjaman sebelum menandatangani sebarang perjanjian.
Ready to Apply?
Create your free account and start your loan application today. Our team will guide you through every step.
* Loan approval is subject to credit assessment and is not guaranteed. Please borrow responsibly.