About us
Credit decisions people can understand
We publish the criteria we lend against, and we tell applicants what happened to their application.
How we work
Four commitments
Regulated by default
Licensed, supervised, and audited against the standards that apply to us.
Answers, not queues
Most applications are decided the moment they are submitted.
Criteria in the open
The thresholds we assess against are on every product page.
Lending we can defend
If an instalment is not affordable we say so, rather than lending anyway.
Leadership
The people accountable for it
Portrait — Head of Credit
Farid bin Abdul Karim
Head of Credit
Portrait — Credit Operations
Cheryl Lim Sook Yee
Credit Operations
Portrait — Technology
Arjun Nair
Technology
Portrait — Compliance
Siti Zubaidah binti Hashim
Compliance
Regulatory
Licensing & supervision
We operate under a moneylending licence and are a registered subscriber of CTOS Data Systems.
Moneylenders licence
WL5567/12/2026
Renewed annually
Company number
201601023456
Registered with SSM
CTOS subscriber
CTS-004871
Credit Reporting Agencies Act 2010