TrueKredit™ — KPKT Loan Management System
Tailor-made for KPKT Licensed Money Lenders
Manage borrowers, loans, compliance, and audits — all in one secure system.
Designed for KPKT Loan Business Owners
As a director or owner of a KPKT-licensed money lending business, you oversee the entire borrower lifecycle — from enquiry to final payment — while ensuring full compliance with regulatory requirements. TrueKredit gives you the tools to manage it all efficiently.
Current Challenges
- Excel spreadsheets and paper files
- Manual calculations for instalments and late charges
- Manual document preparation
- Compliance reporting pressure
- Audit stress
From Enquiry to Final Payment — All in One System
Each part of the workflow is supported by clear screens and controls — from capturing borrowers and configuring products to tracking repayments and history.
Capture Enquiries & Approve Loans Faster
From the very first enquiry, borrower details and documents are captured digitally. Loan calculations and approval workflows are built in — so your team spends less time on data entry and more time serving customers.
Configure Products & Generate Documents Instantly
Set up loan products once — interest model, eligibility rules, and Jadual J/K schedule type — and the system does the rest. Offer letters and agreements are generated automatically, ensuring every document is compliant and consistent.
Track Every Ringgit — From Disbursement to Final Payment
Once a loan is approved, TrueKredit tracks the full money trail — disbursements, repayments, and collections — with a complete audit history for every transaction. Your books are always balanced, and auditors get the records they need instantly.
Late Fees, Arrears & Default — Handled Automatically
Stop worrying about miscalculated late charges or missed follow-ups. TrueKredit automatically tracks overdue payments, calculates late fees to the sen, and progresses loans through the arrears-to-default workflow — so nothing falls through the cracks.
TrueSight™ — Cross-Lender Borrower Insights
Make informed lending decisions with aggregated borrower intelligence across the TrueKredit platform. See how a borrower performs with other lenders — and track detailed payment performance on your own platform. Included for free with core plan subscription.
Stay KPKT Audit-Ready — All the Time
Every feature is designed with KPKT compliance in mind. Generate reports, track every transaction, and be inspection-ready at a moment's notice.
- Jadual J and K auto-generated
- Lampiran A auto-generated
- CSV export for KPKT iDEAL submission
- Full transaction history per loan
- Timestamped, traceable records
- Inspection-ready: instant lookup & reports
Respond to audits with confidence, not panic. Everything auditors need is already organised.
Enterprise-Grade Infrastructure
Your loan data is securely stored and always available. Built on modern cloud infrastructure with Malaysian data residency.
Malaysia Data Residency
All data hosted on AWS Malaysia region ensuring data sovereignty and regulatory compliance. Your customer data never leaves Malaysia.
Automatic Backups
Daily automated backups with point-in-time recovery. Your data is never lost.
Enterprise Security
Bank-grade encryption protects your data at rest and in transit.
Complete Audit Trails
Every action is logged and traceable. Full history preserved indefinitely.
24/7 Availability
Access your data anytime, anywhere. 99.9% uptime SLA guaranteed.
Your data is preserved securely for as long as you subscribe. Access your complete loan history anytime.
Simple Pricing That Scales With Your Business
Pay for what you need. Add optional modules to enhance your TrueKredit experience.
Core Plan First 500 loans | RM 899RM 499 PROMO/ month |
Additional 500 Loans Per additional block | RM 200 / month |
TrueIdentity™ (e-KYC) Digital identity verification per borrower | RM 4 / verification |
Truesend™ Auto-send receipts, reminders, default notices | RM 50 / month per 500 loans |
Optional Modules to Enhance Your Workflow
Add only what you need — no long-term commitment for usage-based modules.
- QR code flow for borrower verification
- IC OCR extraction + face liveness check
- Result (pass/fail) saved into loan file
- Prevents misuse of someone else's IC
RM 4 per completed verification
Charged only on completion. Up to 3 retries.
- Auto email: receipts, reminders, default notices
- Discharge letters sent automatically
- Reduces admin workload significantly
- Improves collection consistency
RM 50/month per 500 loans
PDFs are still generated even without email service.
Frequently Asked Questions
Ready to Run Your Loan Business with Confidence?
Focus on growth, not paperwork. Let TrueKredit handle the operational complexity so you can focus on what matters — serving your customers and growing your business.