Realize your dreams with our affordable loans.
At Cipta Aliran, we offer transparent, structured financing for individuals, business owners, and property buyers across KL and Selangor, with no hidden fees and no surprises.
Our services
We are transparent with our fees & charges.
There are no hidden fees or charges, and we will explain everything to you upfront.
Personal loans
Designed for salaried professionals and business owners, our personal loan is an unsecured credit facility that gives you flexible access to cash. Whether you're consolidating debts, funding home improvements, or supporting personal goals, we assess your DSR and credit profile to offer repayment tenures from 12 to 84 months, with potential disbursement within 24 hours of approval.
Property Loans
From landed homes to high-rise units, our house loan solutions are built for the current Selangor property market. We offer SBR-linked interest rates between 3.85% and 4.25%, cover Rumah Selangorku financing, and conduct thorough due diligence on valuations and strata management so you invest with confidence.
Business loans
Grow your company with structured financing tailored to your business cycle and cash flow. Our consultants help SMEs and startups compare facility options from term loans to revolving credit and guide you through the documentation process. Required documents typically include SSM e-Info, 6 months of corporate bank statements, and directors' identification.
Frequently asked questions
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We offer three main financing facilities: Personal Loans for individuals and business owners, Business Loans for SMEs and startups, and Property Loans for residential purchases across KL and Selangor. Each facility is assessed based on your financial profile and documentation.
How long for loan approval and money?
For personal loans, indicative outcomes may be available quickly, with disbursement possible within 24 hours of final approval [subject to documentation completeness]. For property and business loans, timelines vary depending on the complexity of the application and verification requirements.
What is the interest rate offered for the loan?
Rates are based on your credit profile and the type of financing. Personal loans are typically offered on a fixed or flat-rate basis. Property loans are pegged to the Standardised Base Rate (SBR), with our current margins placing interest rates between 3.85% and 4.25%. Business loan rates are structured based on your company's risk profile.
Penalties for early loan repayment?
Early repayment terms vary by loan type and lender. Our consultants will clearly explain any applicable conditions including early settlement charges, if any - before you sign any agreement. We believe in full transparency at every stage of the process.