FAQs

Frequently Asked Questions (FAQ)

At LYC Credit Financial, we’re committed to providing reliable, transparent, and tailored financial solutions. Our mission is to empower individuals and businesses across Malaysia with the right financing support, helping them achieve stability, growth, and long-term financial confidence through trusted partnerships and exceptional service.

 

My credit history is not good. Can I still apply for a loan?
Yes, you can. At LYC Credit Financial, we also assist clients with CTOS/CCRIS issues. Our financial and loan consultants will evaluate your situation and recommend the most suitable loan package.
What documents are required for the loan application?

To apply, you will need:

  • 6 months latest bank statements
  • Company SSM documents (for business loan applicants)
  • CTOS report
  • Copy of NRIC / IC
Are there any fees or hidden charges?
No. We provide free consultation and ensure clear upfront disclosure. There are no hidden charges throughout the process.
How long does it take to get loan approval?
Our loans are designed to be fast and hassle-free. Approval can be as quick as 3 working days, depending on the documents provided and eligibility.
Is there a minimum salary or business requirement to qualify?
No. We provide flexible solutions for individuals with different income levels and businesses of all sizes. Whether you are salaried, self-employed, or running an SME, we can help.