KUALA LUMPUR, Malaysia, September 16, 2026 (EZ Newswire) -- Amanahkredit, an online loan application service operated by CONSTANCE INFINITY SDN. BHD., has announced an updated digital application workflow designed to streamline credit assessments for eligible Malaysian applicants, including self-employed individuals and gig economy workers whose income is not documented through conventional employer-issued payslips.
Alternative Underwriting and Documentation Protocols
Under the updated framework, applicants without traditional payslips can submit alternative financial documentation — such as bank account statements, official tax records, or audited business accounts — for credit assessment. Applicants must be Malaysian citizens aged 21 or older with a verified income source.
"Our objective is to provide a transparent, fully digital application process that fairly evaluates an individual's financial capacity," said a compliance officer at CONSTANCE INFINITY SDN. BHD. "By incorporating verified bank statements and alternative financial records into our risk assessment model, we can responsibly evaluate applicants who operate outside traditional salaried employment models while maintaining strict adherence to regulatory standards."
Data Protection and Security Controls
Because the process requires the digital submission of sensitive personal records, Amanahkredit utilizes bank-grade SSL encryption for all online applications. All applicant data is processed in strict compliance with Malaysia’s Personal Data Protection Act 2010 (PDPA) and is used exclusively for credit evaluation and identity verification.
Transparent Terms and Regulatory Disclosures
All applications remain subject to individual credit evaluation and verification. Loan terms, including the approved principal, interest rates, administrative fees, and repayment schedules, are provided to applicants prior to loan agreement execution.
- Regulatory compliance: CONSTANCE INFINITY SDN. BHD. (Company No. 201901035854 / 1345184-H) is a licensed non-bank money lender (Kredit Komuniti) operating under the Moneylenders Act 1951 and regulated by the Ministry of Housing and Local Government (KPKT) in Malaysia (License No. WL3468/01/01-11/270127, valid Jan 28, 2025 – Jan 27, 2027; Advertisement Permit WP3468/01/01-1/270127).
- Interest rates and APR: Interest rates for approved personal financing range from 12% to 18% per annum (APR), in accordance with statutory caps set for licensed non-bank lenders under Malaysian law.
- Repayment terms: Loan repayment tenures range from 6 to 60 months. Approval is not guaranteed and depends on individual creditworthiness and assessment criteria.
About CONSTANCE INFINITY SDN. BHD. (Amanahkredit)
Amanahkredit is a digital personal loan application platform operated by CONSTANCE INFINITY SDN. BHD., a licensed non-bank credit provider (Kredit Komuniti) regulated by KPKT in Kuala Lumpur, Malaysia. The platform provides structured, transparent credit application workflows for Malaysian consumers. For more information, visit Amanahkredit.
Disclaimer
This press release is provided for informational purposes only and does not constitute financial advice, an offer to lend, or a guarantee of loan approval. All credit applications are subject to independent evaluation, identity verification, and underwriting criteria. Terms, interest rates, and loan amounts may vary based on individual creditworthiness. Cautionary Note: Licensed non-bank lenders operating under the Moneylenders Act 1951 in Malaysia will never require applicants to pay upfront processing fees, stamp duty, or legal charges into personal bank accounts prior to loan disbursement. If you are asked for advance payments, do not proceed and verify the provider's registration directly with the Ministry of Housing and Local Government (KPKT) or Bank Negara Malaysia (BNM).
Media Contact
Media Relations, Amanahkredit
info@amanahkredit.my
+60 11-2614 1438
