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No fees required.

24-hour disbursement.

Apply today and get up to RM150,000 on the same day.

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Fast Approvals (24 hours)

0 Fees Required

Tenure Up to 84 Months

Easy Process – 4 basic documents

Financing Up to RM150,000

Monthly Auto-Debit Deduction

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Who Can Apply?

government-employees

Government employees

private-sector-employees

Private sector employees

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GLC employees

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Suitable For Those Who Need:

Emergency Funds

Education or School Fees

Extra support for personal needs

Still Not Sure?

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Not sure if you’re eligible?

Drop us a text and we’re happy to guide you along the way.

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Fast Personal Loans & Licensed Money Lending in Kuching – Big Grain Credit

Are you in urgent need of money and can't find help anywhere? If no one is there to lend a helping hand in your time of need, come to Big Grain Capital, your most loyal friend. We promise you will never be alone. Big Grain Capital believes that only when someone is in the most desperate situation do they seek a loan. We truly want to stand by you.

Welcome to Big Grain Credit – Kuching’s Trusted Money Lender Since 1997

Welcome to Big Grain Capital, a long-established financial institution in Malaysia. Big Grain Capital is proud to be one of the leading financial businesses in Malaysia, established in 1997, with our headquarters in Malaysia's financial center - Kuching. With over 27 years of continuous operation, completing more than 1,589 large and small financial projects, and managing over 3 million assets, Big Grain Capital feels very proud and grateful.

Big Grain Capital is regulated by the Ministry of Finance Malaysia, Bank Negara Malaysia, and of course, Kredit Komuniti, the number one financial support community in Malaysia. We operate with the utmost respect for the law, prioritizing ethics and service quality. Our product system includes:

Big Grain Capital was established in 1997, the year when the most severe economic crisis in Asia occurred. It can be said that being born in such a context has given Big Grain Capital a miraculous strength. We always strive to operate under the motto "fire phoenix," which will rise powerfully from the ashes. Big Grain Capital believes that you, the recipient of our help, will also experience this; at some point, you will "be resurrected.

Why Choose Our Loan Services in Kuching?

20+ years of experience serving Sarawak residents

We have always been the "loyal partner" serving the financial needs of Sarawak residents, the largest state in Malaysia with over 2.7 million inhabitants. As known, this "great island" is the economic capital of Malaysia, and the entire country relies on the development of this eastern island. Big Grain Capital has been here, accompanying this state for over 20 years, and we will continue to do so for hundreds of years to come.

Transparent interest rates with no hidden charges

For Big Grain Capital, it is crucial to publicly disclose all costs involved in lending activities. Whether it’s Fast loan, Personal loan, etc., whether the amount is millions of Ringgit or just a few hundred Ringgit, Big Grain Capital wants borrowers to have clear access to interest rates and borrowing fees. This is the greatest respect for our customers.

Personalized financial packages for individuals and SMEs

At Big Grain Capital, we understand that each financial situation is unique. That’s why we offer tailored financial packages designed for both individuals and small to medium enterprises (SMEs). Whether you need a personal loan for immediate expenses or financing options for your business growth, we’ve got you covered.

Fast approval, often within 24 hours

No more waiting! At Big Grain Capital, we prioritize speed without compromising quality. Our streamlined application process ensures that you receive a decision on your loan application within 24 hours, allowing you to address your financial needs promptly.

Our Loan Services

Personal Loans for emergencies and daily needs

Our personal loans in Kuching are crafted to provide quick and flexible financial support for a wide range of purposes, from unexpected medical expenses to home improvements or personal milestones. Whether you're facing a financial emergency or need funds for daily essentials, our personal loans offer:

Flexible Loan Amounts: Borrow from as little as RM 500 up to RM 50,000, depending on your financial profile.


Urgent Cash Loans – Same-day approval

When time is of the essence, our urgent cash loans in Kuching are designed to deliver immediate financial relief. We understand that life’s unpredictability can lead to sudden financial needs, and we’re here to help you navigate those moments with ease. Key features include:

Gold Loans with competitive valuation

Unlock the value of your gold assets with our gold loans in Kuching. Whether you own gold jewelry, coins, or other gold items, we offer a secure and efficient way to access funds while retaining ownership of your assets. Our gold loan services include:

Credit Card Debt Consolidation Loans

Struggling with multiple credit card debts? Our credit card debt consolidation loans simplify your finances by combining all your outstanding debts into a single, manageable loan. This service is designed to reduce your financial stress and save you money. Benefits include:

SME and Startup Business Loans

At Big Grain Capital, we are passionate about supporting the growth of small and medium enterprises (SMEs) and startups in Kuching. Our business loans are designed to provide the capital needed to start, expand, or sustain your business. Our offerings include:

Property-backed loans for higher limits

Our property-backed loans offer higher borrowing limits to help you meet your financial goals. By leveraging the equity in your property, you can access substantial funds with competitive interest rates.

Fast Loan Approval Process in Kuching

  1. Submit application (online or WhatsApp): Start your application easily through our online portal or via WhatsApp for convenience.

  2. Provide documents (IC, payslip): Simply submit your identification and payslip for verification to expedite the process.

  3. Quick evaluation and offer: Our team will conduct a rapid evaluation of your application and present you with a loan offer promptly.

  4. Disbursement (cash or transfer): Once approved, you can receive your funds either in cash or through bank transfer, whichever is more convenient for you.

FAQs for Fast Loan Kuching

  1. What is the approval time for loans?

Approval typically takes less than 24 hours, allowing for a quick response to your financial needs.

  1. What is the maximum loan amount I can apply for?

The maximum loan amount varies based on individual circumstances, including income and creditworthiness.

  1. Are there any hidden fees?

No, Big Grain Capital prides itself on transparency, and all fees are disclosed upfront.

  1. Can I apply for a loan online?

Yes, you can easily apply for a loan through our online application form or via WhatsApp.

  1. What documents do I need to provide?

Generally, you will need to provide your identification card and recent payslips.

Contact Us

At Big Grain Capital, we value open communication and are here to assist you with your financial needs. Whether you have questions about our services or need help with your application, feel free to reach out to us.