Loan Products
Choose the loan product that best fits your financial needs. All products are offered by The Sea Capital , a licensed lender regulated by Bank Negara Malaysia.
Personal Loan
Flexible personal financing for your everyday needs — from home renovation to education and medical expenses.
Amount
RM 1,000 – RM 50,000
Rate
1.5% p.m.
Tenure
6–60 months
Business Loan
Fuel your business growth with working capital, equipment financing, or expansion funding.
Amount
RM 10,000 – RM 200,000
Rate
1.2% p.m.
Tenure
12–84 months
SME Loan
Dedicated financing for small and medium enterprises to scale operations and seize growth opportunities.
Amount
RM 20,000 – RM 500,000
Rate
1.0% p.m.
Tenure
12–120 months
Secured Loan
Access higher loan amounts at lower rates by pledging an asset as collateral — property or vehicle.
Amount
RM 50,000 – RM 1,000,000
Rate
0.8% p.m.
Tenure
12–120 months
* All loan products are subject to credit assessment and approval. Interest rates and terms are indicative and may vary based on individual assessment. Total charges shall not exceed 24% per annum as per BNM guidelines.