Company Introductions
At ISS Capital, we believe that financial solutions should be smart, flexible, and tailored to your needs. Whether you’re an individual looking for personal financing or a business seeking strategic funding, our expert team is committed to helping you achieve your financial goals with ease and confidence.
With years of industry experience, we specialize in providing reliable loan options that suit various financial needs. Our transparent approach, competitive rates, and fast approval process set us apart, ensuring you get the financial support you need—when you need it most.
At ISS Capital, we are more than just a financial service provider—we are your trusted partner in growth, stability, and success. Let us help you unlock new opportunities with financing solutions designed for you.
Your goals. Our expertise. Smart financial solutions.
What We’re Offering
All Loans Services
What We’re Offering
All Loans Services
Personal Loan
Need financial support for personal expenses? Our Personal Loan options provide flexible repayment plans and low-interest rates, helping you manage your finances with ease. Whether it’s for education, medical needs, or lifestyle upgrades, we ensure a smooth and hassle-free loan process.
Business Loan
Grow your business with our Business Loan options, designed to support entrepreneurs and business owners in acquiring property or expanding operations. Benefit from competitive interest rates and a seamless approval process, ensuring your company gets the financial boost it needs to thrive.
Mortgage Loan
Unlock the value of your assets with our Mortgage Loan solutions. Whether it’s a property, car, or gold, we provide flexible financing options to help you meet your personal or business needs. Enjoy competitive interest rates, customizable repayment plans, and a fast, hassle-free approval process. Turn your assets into opportunities today.
Get to Know About
Finance Smarter. Finance Faster.
At ISS Capital, we make financing effortless with a seamless process, quick approvals, and personalized support.
Personalized Loan Solutions
We design loan packages based on your unique financial needs, ensuring a plan that suits your lifestyle and goals.
Flexible Payment Options
Enjoy competitive rates with flexible repayment terms that give you greater financial control and ease.
Fast & Hassle-Free Process
A straightforward application process with quick approvals means you get your funds without unnecessary delays.
Dedicated Support
Our expert loan specialists are here to guide you every step of the way, ensuring a smooth and stress-free experience.
Simple, Quick, and Secure Personal Loans
4 Steps to Receive Your Money
01. Online Application
Fill up the online application form and submit, easy and simple.
02. Evaluation
Our consultant will get in touch with you and assist you on loan approval.
03. Supporting Documents
Get your documents ready and submit.
04. Receive Funds
Once approved, funds will be credited in your bank account in the same day.
Frequently Asked Questions
Frequently Asked Questions
What is a Personal Loan
Personal loans are short-term loans that have shorter repayment periods than mortgages. Where a mortgage requires a repayment period of 20, 30 or 40 years, the repayment period of a personal loan usually extends from one month to ten years*.
Unlike home loans, personal loans are usually unsecured, which means you can borrow money without giving any form of security or assets to a lending company such as your home or car. This is subject to the terms and conditions submitted. Even if you do not make any guarantees, you are still responsible for making your repayments on time. Penalties and fees will apply if you fail to make a payment, and will negatively affect your credit score.
How Does Personal Loan in Malaysia Work?
Personal loans can generally be as low as RM 1,000 to RM 1,000,000*. The amount of your loan depends on your eligibility (for example your ability to repay the loan), as well as the terms offered by the lender. If you want to borrow more than this range, then a secured loan may be a better option for you.
When you take out a loan with your bank, you will sign a loan agreement outlining the amount you borrow, interest rate and monthly repayment amount. This agreement will also list your loan repayments – your monthly payments and your loan terms in the year and month in detail. As a guide, the longer your repayment period, the higher your payment amount.
There are two types of loans, secured and unsecured loans. In Malaysia, the most frequently requested personal loan is unsecured personal loans.
Secured Loans or Unsecured Loans?
Secured Loans:
Secured loans are loans in which borrowers offer their assets, such as cars or homes as security or collateral for their loans. Therefore, the cost of the loan is usually lower than the unsecured loan. However, borrowers need to be careful about their financial ability to repay the loan. Failure to repay the loan will result in their security being withdrawn.
Unsecured Loans:
Non-secured loans are more difficult to obtain because borrowers are not required to offer any kind of asset as collateral. Therefore, they need to assure lenders of their financial ability or credit stability. This is to ensure that the borrower is able to repay the loan.
With unsecured personal loans, the cost of lending is also higher as lenders take higher risks when providing loans. Although borrowers do not provide any form of collateral to their lenders, this does not mean that they can fully repay the loan. The lender has the right to bring the borrower to court with the intention of acquiring and selling the borrower’s assets to compensate for any loss suffered.
Is Personal Loan Good for You?
Personal loans are important for those who need instant cash, whether it’s a big ticket purchase or to deal with short-term financial problems. Before you apply for a personal loan, determine whether there are other financing options that may best suit your needs. Carefully consider your ability to repay debt, as well as scenarios of what will happen once you stop generating income.
