How to Apply for a Loan
Our streamlined online application process takes just minutes. Here's everything you need to know.
Create Your Account
Register with your email address and mobile number. You'll receive a 6-digit OTP to verify your identity. The registration process takes less than 2 minutes.
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Email address required
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Mobile number for OTP
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Strong password (8+ characters)
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Accept Terms & Conditions
Complete Your Profile & KYC
Fill in your personal information, employment details, and bank account information. Upload your KYC documents for identity verification.
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Personal information
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Employment & income details
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Bank account details
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MyKad front & back
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Selfie with IC
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Digital signature
Choose Your Loan
Select the loan product that best fits your needs. Use our loan calculator to estimate your monthly repayment. Choose your preferred loan amount and tenure.
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Personal, Business, SME, or Secured
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Loan amount within product range
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Tenure from 6 to 120 months
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Real-time repayment estimate
Upload Supporting Documents
Upload your supporting documents such as payslips, bank statements, and business registration (for business loans). All documents are encrypted and stored securely.
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Latest 3 months payslip
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3–6 months bank statement
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SSM certificate (business loans)
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Collateral documents (secured loans)
Sign & Submit
Review your loan application summary, draw your digital signature, accept the terms and conditions, and submit your application. You'll receive a confirmation email immediately.
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Review loan summary
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Draw digital signature
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Accept Terms & Conditions
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Submit application
Receive Your Decision
Our credit assessment team will review your application within 1–3 business days. You'll be notified by email at every stage. If approved, funds are disbursed to your The Sea wallet.
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Review within 1–3 business days
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Email notification at each stage
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Funds credited to your wallet
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Repayment schedule generated
Typical Timeline
2 min
Registration
15 min
Application
1–3 days
Review
1–3 days
Disbursement
* Timeline is indicative. Actual processing time depends on document completeness and credit assessment.
Ready to Get Started?
* Loan approval is subject to credit assessment and is not guaranteed. Please borrow responsibly.