The agreement between you and DanaLaju Sdn Bhd.

These terms govern your use of the DanaLaju app and lending services. Please read them carefully — by applying for a loan, you enter into a legal agreement with us.

Last updated: 22 June 2026 · Effective: 22 June 2026

1. Definitions

"DanaLaju", "we", "us" refers to DanaLaju Sdn Bhd, a Malaysian company based in Kuala Lumpur and a licensed money-lender under the Moneylenders Act 1951 (KPKT).

"You", "the borrower" refers to the individual applying for or receiving a loan.

"Loan" means the short-term financial facility offered through the DanaLaju app. Loan amounts start from RM 500 for new customers, up to RM 30,000 for returning customers with a good repayment record. The standard repayment tenure is 62 days, up to 3 months.

"Processing fee" means the one-time fixed fee charged for each loan, disclosed on the offer screen before you sign.

2. Eligibility

To apply for a DanaLaju loan, you must:

• Be a Malaysian citizen or Permanent Resident;
• Be aged between 21 and 60 years;
• Hold a valid MyKad;
• Have an active Malaysian bank account in your own name;
• Have a working phone with internet access.

3. Application process

Applications are made entirely within the mobile app. You will need to:

1. Register an account (phone and email verification);
2. Scan your MyKad and take a selfie for eKYC;
3. Provide your employment and bank account details;
4. Submit your application.

Individual assessment. Each application is reviewed individually based on your profile — employment, device and repayment signals, and the information you provide. Approval and the amount offered are determined at DanaLaju's discretion.

Personalised offer. If your application is approved, the offer screen will display: the approved amount, the processing fee, the total repayable, and the due date. You must sign the loan agreement electronically to accept.

4. Loan cost

The actual fees and interest charged for your loan depend on the approved amount and tenure, and will always be displayed in full on the offer before you sign. What you see on the offer screen is the full amount you will pay on the due date.

Example. You borrow RM 500 for 62 days. Interest is RM 15.29 (18% p.a.) and fees are RM 50.00 (processing fee RM 35, eKYC fee RM 10, payment-gateway fee RM 5). The total repayable is RM 565.29, due on day 62. You receive RM 500.00 in your bank account.

5. Tenure and repayment

The standard loan tenure is 62 days from the date the money is disbursed, up to 3 months. Full repayment must be made on or before the due date, via:

• FPX (online internet banking) — recommended;
• DuitNow QR;
• Manual bank transfer to DanaLaju's official account.

Early repayment, no penalty. You may repay your loan early at any time without any penalty or additional charge.

Extension. You may request an extension of the repayment period before the due date, subject to a fixed extension fee that is clearly stated in the app at the time of request. An extension carries no extra interest and no late charge, and is subject to our approval.

6. Cooling-off period

After this 24-hour period passes, the loan agreement is fully binding and the standard repayment terms apply.

7. No late charge — optional extension

If you need more time to pay, you may choose to extend the repayment period for a fixed extension fee that is clearly stated in the app before you confirm it. This extension carries no extra interest and no late charge is applied.

Any payment received is allocated in the following order: (1) fees, (2) interest, (3) principal.

An account that remains overdue without repayment or an extension may be referred for the following actions, in order and with prior written notice to you:

• Settlement discussion with our team — we always prefer to resolve matters amicably;
• Referral to a licensed debt-collection agency;
• Civil legal action in the relevant Malaysian courts.

Contact us early. If you are having difficulty paying, contact us before the due date. Our team always prefers to help you plan an extension or a payment arrangement.

8. Your obligations

You agree to:

• Provide true, complete and current information during your application;
• Notify us of any changes to your contact or employment information;
• Keep your app password and PIN confidential;
• Not use the app for any unlawful activity;
• Repay the loan according to the agreed schedule.

9. Our obligations

We promise to:

• Handle your personal data in accordance with our Privacy Policy and the PDPA 2010;
• Display the full fees and terms before you sign;
• Not impose hidden charges or surprise payments;
• Give reasonable notice before any collection action;
• Respond to your enquiries during office hours (Monday–Saturday, 9 am – 7 pm).

10. Termination

We may close your account and withdraw the loan facility if you materially breach these terms, provide false information, or engage in fraud. We will give you notice and an opportunity to remedy the situation where reasonable in the circumstances.

You may close your account at any time after all active loans are settled, through the app or by contacting our support team.

11. Dispute resolution

If you have a complaint, please contact our support team first — we are committed to resolving most issues within 14 working days.

If you are not satisfied with our resolution, you may:

• File a complaint with the Ministry of Housing and Local Government (KPKT);
• Contact the Ombudsman for Financial Services (OFS);
• Bring the dispute to the Malaysian Consumer Claims Tribunal (for claims under RM 50,000);
• Commence legal proceedings in the relevant Malaysian courts.

12. Changes to terms

We may update these terms from time to time. Material changes will be notified to you at least 30 days before they take effect, through the app and email. Continued use of the app after the effective date signifies your acceptance of the updated terms.