About Us
Kekal Credit Sdn. Bhd. (formerly known as Kekal Impian Sdn. Bhd.) provides personal financing solutions designed to help individuals manage their financial needs in a structured and confident manner.
As an approved code holder under Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA), we offer Shariah-compliant salary deduction financing facilities for eligible civil servants, ensuring consistent repayments and easier financial management.
Kekal Credit also provide personal financing to the private sector, licensed and regulated by the Ministry of Housing and Local Government (KPKT), including conventional financing options tailored to meet individual financial needs.
We believe financial progress should be clear, steady, and sustainable — not rushed or overwhelming. Therefore, every solution we offer is built on transparency, clear structure, and responsible financial planning.
Our efforts have been recognised with the Best Innovation Award at Madani Credit Award 2024, organised by the Kementerian Perumahan dan Kerajaan Tempatan (KPKT), reflecting our commitment to delivering reliable and responsible financing solutions.
Kekal Awam Digital Personal Financing-i: A Shariah-compliant financing solution for civil servants and selected government-linked company employees through ANGKASA salary deductions.
Apply Now →- Malaysian citizen
- Civil servants & selected GLC employees
- Financing amount: RM15,000 – RM250,000
- Permanent employment
- Age up to 58 years old
- Profit rate as low as 0.67% per month *
- Monthly salary deduction via ANGKASA
- Maximum tenure: 10 years
- No collateral / guarantor
- High gross payout up to 88% *
- No agent fee
- No membership fee
- No upfront payment * Subject to terms and conditions
Kekal Swasta Digital Personal Financing: A conventional financing option for private sector employees, civil servants and selected government-linked company employees, offered under KPKT.
Apply Now →- Malaysian citizen
- Private or public sector employee
- Financing amount: RM5,000 – RM100,000
- Permanent employment
- Age up to 58 years old
- Profit rate as low as 1.5% per month *
- Auto-debit repayment
- Maximum tenure: 5 years
- No collateral / guarantor
- High gross payout up to 96% *
- No agent fee
- No membership fee
- No upfront payment * Subject to terms and conditions
KPKT Award Showcase
We are proud to be recognised by KPKT for our commitment to providing transparent, compliant, and easily accessible personal financing solutions.
Best Innovation Award 2024
Madani Credit Award 2024
Certificate of Recognition from KPKT
Compliance
We operate under strict regulatory standards and governance frameworks to security, transparency, and full regulatory compliance.
PDPA Protection
All personal data is handled in accordance with the Malaysian Personal Data Protection Act 2010, ensuring confidentiality and data security.
KPKT License
Licensed and regulated under the Ministry of Local Government Development (KPKT), adhering to approved financing and governance requirements.
