Eligibility & Requirements
Check if you qualify for a loan with The Sea Capital . Requirements vary by loan product.
General Eligibility Criteria
Nationality
Malaysian citizen or permanent resident
Age
21 to 65 years old (varies by product)
Employment
Employed, self-employed, or business owner
Income
Minimum RM 1,500 monthly income (personal loan)
Identity
Valid MyKad or passport
Bank Account
Active Malaysian bank account
Credit History
No undischarged bankruptcy
Contact
Valid Malaysian mobile number and email
Documents
Ability to provide required KYC documents
Requirements by Loan Product
Personal Loan
RM 1,000 – RM 50,000 · 1.5% p.m.
Min. Age
21 years
Max. Age
60 years
Min. Monthly Income
RM 1,500
Collateral
Not Required
Required Documents
Business Loan
RM 10,000 – RM 200,000 · 1.2% p.m.
Min. Age
21 years
Max. Age
65 years
Min. Monthly Income
RM 3,000
Collateral
Not Required
Required Documents
SME Loan
RM 20,000 – RM 500,000 · 1.0% p.m.
Min. Age
21 years
Max. Age
65 years
Min. Monthly Income
RM 5,000
Collateral
Not Required
Required Documents
Secured Loan
RM 50,000 – RM 1,000,000 · 0.8% p.m.
Min. Age
21 years
Max. Age
65 years
Min. Monthly Income
RM 8,000
Collateral
Required
Required Documents
Important Disclaimer
Meeting the eligibility criteria does not guarantee loan approval. All applications are subject to The Sea Capital 's internal credit assessment, verification of submitted documents, and compliance with our responsible lending policy. We reserve the right to approve or reject any application without providing reasons.