Your Success Starts with top 1 Capital

Smart Loans for a brighter tomorrow, let's us funding your future.

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0% INTEREST

if repaid within 10 days. (up to RM5K).

Easily

get a loan of up to 5 times your income

Lowest Interest

Interest rates as low as 6%

1 Hour

fast processing review and approval

Maximum Finance

loan amount up to RM500K

Flexible

Repayment period up to 10 years

✦ Easy Application & Approval

Ready to get started?

Our loan specialist will review the documents you submitted. Then, you may receive a personalised loan offer that you can't find anywhere else!

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Busisness Loan 👨Personal Loan🔋Car Loan ⚡Mortage Loan 📝Solar Plus Loan ⚡

Lowest Interest Rates

from 6% / apr

Get loans from us today at the lowest interest rate

We charge a very low from 6% interest on our loan

Up to RM500K

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Flexible Repayment Plan

up to rm120Months

Loan tenure: 3 to 120 months

Flexible and Negotiable

Tailor made payment plan based on your profile requirements.

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Representative Example

rm900/Month

Loan amount: RM10000

Repayment period: 12 months

Total interests: RM800

Total amount payable: RM10800

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4 'No's to Protect You

No any of
Hidden Fee

No any withdrawa
car needed

No any of
Processing Fee

No amy of
Guarantor Needed

Apply With Us Now

Our Certificate

We are a licensed loan company operating under the regulation of KPKT (Kementerian Perumahan dan Kerajaan Tempatan, the Ministry of Housing and Local Government of Malaysia). We strictly adhere to the laws and regulations set forth by the Moneylenders Act 1951, which governs all money lending activities in Malaysia.

Under the Moneylenders Act 1951, all money lending businesses must be licensed and adhere to specific legal standards, including transparent disclosure of loan terms, fair interest rates, and ethical lending practices. The Act is designed to protect borrowers from unscrupulous lending practices and ensure a fair and transparent lending environment.

Transparent Lending Practices

Providing clear, comprehensive information about loan terms, interest rates, and any associated fees, as required by Malaysian law.

Fair Interest Rates

Adhering to the legal limits on interest rates, which are regulated to prevent excessive charges and ensure fair treatment of all borrowers.

Compliance with Licensing Requirements

Maintaining a valid moneylender license issued by the Registrar of Moneylenders under the KPKT, which is mandatory for all lending companies operating in Malaysia.

Consumer Protection Measures

Abiding by all statutory requirements to protect the rights of borrowers, including providing reasonable terms for repayment and procedures for handling disputes.

By complying with these legal requirements, we assure our customers of a secure, reliable, and fair lending experience, reflecting our commitment to maintaining the highest standards of integrity and professionalism in the Malaysian financial services industry.

Our Services

Personal Loan

At Top 1 Capital, we offer low-interest personal loans starting at 6% with no guarantor, hidden fees, or withdrawal card needed. Enjoy flexible terms from 3 to 120 months, fast approval, and quick disbursement. With over a decade of experience, we’re dedicated to providing personalized solutions and exceptional service. Apply today and reach your financial goals effortlessly.

Personal Loan Application Document Required
Identity Card / Working Permit
3 months Payslip / Offer Letter
3 months Bank Statement / EPF Statement

Apply Today

Business Loan

Boost your business with Top 1 Capital SME loans. Enjoy competitive rates, flexible terms up to 120 months, and quick, collateral-free funding. With over a decade of experience in Klang Valley and Selangor, we’re your reliable partner for growth. Apply today to take your business further..

Business Loan Application Document Required
Identity Card / Working Permit
SSM Full Set
3 months Company Bank Statement

Apply Today

The Founder’s Story:

Dato’ Seri Chai, the founder and CEO of TOP 1 Capital, is one of Malaysia’s distinguished figures, with extensive experience in the financial industry. After graduating from university, he joined a major bank, starting from the most basic position and gradually accumulating a broad knowledge of the industry while building a strong network.

During his many years in the banking industry, Dato’ Seri Chai noticed that traditional financial institutions often had inefficient loan processes that struggled to meet the urgent funding needs of small businesses and individuals. This realization inspired him to create a company that could offer more flexible and faster loan services.

After years of effort and market research, Dato’ Seri Chai founded Top 1 Capital in 2017. In the early days of the company, he was personally involved in every aspect of the business, from financial planning to customer service, ensuring that every client received top-quality service. He has always upheld the principle of “Take from society, give back to society,” committing himself to giving back to the community.

Company Overview

Our financial services company dedicated to providing flexible and reliable loan solutions. From its founding, the company has been committed to delivering high-quality loan services, helping individuals and businesses achieve their financial goals.

Vision and Mission

Our vision is to become the trusted financial partner of its clients, helping them achieve financial freedom. The company’s mission is to address clients’ funding needs through innovative financial products and excellent service, creating greater value for society.

Service Offerings

We offers a variety of loan services, including personal loans and business loans. The company has earned the trust and praise of its clients through efficient approval processes and flexible repayment options.