KreditMy is a digital financing platform for Malaysians. All loan tenures start at a minimum of 91 days. Terms Range Loan: RM1,000–RM10,000 | Tenure: 91–365 days (6–12 months) Maximum APR: 18.25% (all fees included), max daily rate 0.05% (0.05% × 365 = 18.25%) Monthly equal principal & interest repayments. Representative Example RM6,000 over 12 months at 18.25% APR: Monthly ~RM550 | Total interest ~RM600 | Total repayment RM6,600 All services comply with Malaysia finance rules. Privacy policy is available in the app and on the store listing.