Trusted Financial Solutions
Fast Approval

Personal & Business Loans Services in Malaysia
 

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Fast, Flexible & Affordable Loan Options

Debt Consolidation, Personal Loan & SME Business Loan Made Simple
 

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About Us

LYC Credit Financial

Building Financial Confidence Through Transparency, Trust, and Tailored Loan Solutions

At LYC Credit Financial, we believe access to funds should be straightforward, secure, and stress-free. With more than a decade of industry experience, we’ve helped thousands of clients secure their finances for personal needs, business expansion opportunities, and debt restructuring.

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About LYC Credit Financial
fast approval

Fast Approval

low interest

Secure & Reliable

flexible repayment

Flexible Repayment

Why Choose Us

Trusted Experts
in Finance

Choosing the right financial partner matters. At LYC Credit Financial, we combine expertise with a client-first approach, ensuring every financing journey is smooth, transparent, and stress-free.

10

+

Years of Experience

85

%

Projects Completed

56

+

Certified Advisors

99

+

Happy Clients

Our Services

Loans Servicing Solutions

We provide flexible financing solutions in Malaysia, including Personal Loan, Business Loan, Property Financing Loan, and Working Capital Loan. With fast loan approval and low interest options, we help individuals and SMEs access the funds they need quickly and securely

Business Loan

A business loan is a sum of money that a company borrows from a lender or financial institution to finance a variety of business needs, including working capital, equipment procurement, inventory, beginning costs or capital, and expansion projects. This is a flexible business loan option for Malaysian SMEs and entrepreneurs to expand business operations, manage expenses, and achieve growth.

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Personal Loan

A personal loan is a one-time payment that you take out from a lender and pay back over a certain period of time in fixed monthly installments, usually with a fixed interest rate. At LYC Credit, we also offer reliable personal loans services for salaried workers and self-employed individuals in Malaysia, with quick approval processes and low interest.

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Property Financing Loan

A property financing loan, or otherwise known as a home loan is used for the purpose of purchasing a property, be it a residential or commercial property in Malaysia. Secure your dream home or property investment with our property financing loan, offering competitive rates and flexible repayment.

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Working Capital Loan

Instead of funding long-term investments, a working capital loan is a short-term business loan taken out by businesses, with the intention to pay for urgent operating costs, such as wages, rent, and utilities. Boost your business’ cash flow with our working capital loan, designed to support daily operations and cover urgent financial needs.

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How We Work

Loan Application Process

Applying for a loan has never been easier. With just 4 simple steps, you can get approved quickly and receive funds directly into your account – no hassle, no hidden fees.

how we do
1

Fill Up the Form

Start by sharing your loan requirements through our easy application form.

2

We Will Call You

Our advisor will contact you to understand your needs and guide you on the options.

3

Send in Documents

Provide the necessary documents – our team will assist to ensure everything is complete.

4

Approve & Disburse

Get a fast decision. Once approved, funds are released to your account without delay.

Testimonial

What Our Customers Say

Trusted by thousands of clients across Malaysia. Real stories of fast, easy, and reliable loan services.

“I needed a refinancing plan for one of my properties, and LYC Credit handled it very professionally. They took the time to understand my needs, explained all the loan options clearly, and processed my application without a hitch. The approval was faster than expected, and the whole experience was simple and transparent. Kudos to the team at LYC!”
Faizal Ahmad
Property Agent, Selangor
“I reached out to LYC team during an emergency and was amazed by their fast response. The consultant was polite, patient, and was very reassuring throughout the process. Everything was explained clearly to me also. The approval came quickly, and I got the help I needed right on time.”
Melissa Tan
Marketing Executive, Unknown
“When I needed funds to upgrade my workshop, LYC Credit gave me the best support. The team was efficient and transparent from start to finish. They helped me choose the right plan, helped me with my documents, and made sure to check everything with me beforehand. I got approval within a few working days.”
S. Rajesh
Co-Owner, Auto Service
“As a freelancer, getting financial help is sometimes quite tough. LYC Credit really understood my situation and drew up a flexible plan for me. I received approval much faster than I expected. I’m very satisfied with the service and will definitely recommend them to others. Special thanks for my consultant, for layan-ing my late night requests and calls.”
Kelvin Lim
Freelancer, KL
“I had trouble getting a business loan from banks because of the long process. LYC made everything so much easier. Their consultant explained all the details clearly and handled my application quickly. Within just a few days, the funds were ready. The service was professional, honest and transparent, no hidden charges at all. I really appreciate how helpful the team was and how fast they responded to my questions.”
Aisyah Razak
Small Business Owner

Not Sure Which Financing Option
Fits You Best?

Our team is here to help you explore personal, business, and refinancing solutions tailored to your needs.

Enquire Now