KPKT 持牌贷款顾问权威中心 / KPKT Licensed Loan Consultant — Malaysia Authority Center
The complete guide to KPKT licensing, license verification, and how to identify illegal lenders in Malaysia · 持牌、透明、可问责
First Capital is a KPKT-Licensed Loan Consultant
WL4766/01/01-11/251126
Issued by Kementerian Perumahan dan Kerajaan Tempatan (KPKT), Malaysia
✓ License ActiveServing Penang since 2010. Over 1,000 clients helped.
Verify Our License at KPKTLicense Type: Loan Consultant (贷款顾问)
Business Name: First Capital
Office: Gurney Tower, 18 Persiaran Gurney, 10250 George Town, Penang
Operating Since: 2010
Clients Served: 1,000+
什么是KPKT执照
What is a KPKT License?
KPKT (Kementerian Perumahan dan Kerajaan Tempatan) is Malaysia's Ministry of Housing and Local Government. Under the Moneylenders Act 1951 (Akta Pemberi Pinjam Wang), KPKT is the authority that issues, audits and enforces licenses for all moneylenders and loan consultants operating in Malaysia.
A KPKT licensed loan consultant is legally permitted to advise Malaysian borrowers on financing options, compare products across licensed banks and financial institutions, and assist with the application process. We do NOT lend money directly — that is the role of BNM-regulated banks.
KPKT全称为「房屋及地方政府部」，是马来西亚负责颁发和监管贷款顾问与放贷人执照的政府部门，依据是《1951年放贷人法令》。持牌贷款顾问受法律约束，必须在登记地址合法运营，禁止任何掠夺性行为。
License Number Anatomy · 执照编号解析
WL4766/01/01-11/251126
- WLWang LesenMoney license prefix issued under the Moneylenders Act 1951.
- 4766File NumberUnique KPKT case file assigned to First Capital.
- 01/01-11Branch & CycleBranch identifier and renewal cycle code.
- 251126Validity (YYMMDD)License valid through 26 November 2025; renewable per KPKT cycle.
如何验证 KPKT 执照
How to Verify a KPKT License (4 Steps)
1. Ask for the license number
A legitimate KPKT licensee will display the license number on their website, office wall, business card, and quotation. Format: WL****/**/**-**/****.
2. Search the KPKT directory
Visit www.kpkt.gov.my → Bahagian Pemberi Pinjam Wang. Search by license number or business name.
3. Confirm the physical office
KPKT requires every licensee to operate from a registered physical address. Verify the address on Google Maps and (ideally) visit in person.
4. Call the official KPKT hotline
If unsure, call KPKT Aduan 1-800-88-2433 directly. Do not call numbers provided by the party you are verifying.
Verify Our License at KPKT
Official KPKT website · www.kpkt.gov.my
持牌顾问 vs 非法放贷人
Licensed Consultant vs Illegal Lender (Ah Long)
| Criteria · 项目 | KPKT Licensed Consultant | Illegal Lender (Ah Long) |
|---|---|---|
| Legal status | Licensed by KPKT under Moneylenders Act 1951 | No license — operating illegally (criminal offence) |
| Maximum interest | Capped: 12% p.a. secured / 18% p.a. unsecured | Often 10–40% per MONTH (120–480% p.a.) |
| Physical office | Registered KPKT address required | Untraceable; WhatsApp / Telegram only |
| Documentation | Written agreement with full terms before signing | Verbal terms or blank documents |
| Collection method | Lawful reminders, legal action via court | Threats, harassment, paint splashing, contact harvesting |
| Privacy | Bound by PDPA 2010; data confidential | Steals MyKad photos and phone contacts for harassment |
| Accountability | Can be reported and audited by KPKT | No oversight; report to PDRM 999 |
| Upfront fees | Success-based; no fees before disbursement | Demands 'processing fees' before any loan released |
十大警讯
10 Red Flags of Illegal Lenders
If you see any of these, walk away immediately:
- 1Guarantees loan approval before reviewing your documents
- 2Asks for your MyKad PIN, online banking password, TAC or OTP
- 3Demands large upfront 'processing' or 'CTOS cleaning' fees
- 4Refuses to share a verifiable KPKT license number
- 5No registered physical office — only WhatsApp / Telegram contact
- 6Asks you to sign blank loan documents or blank cheques
- 7Threatens you, your family, or your employer over WhatsApp
- 8Splashes paint or vandalises your property
- 9Charges interest above the KPKT statutory caps
- 10Operates a 'loan app' with no visible KPKT or BNM license
举报渠道
Where to Report Unlicensed Lenders
KPKT Aduan Hotline
1-800-88-2433 · aduan@kpkt.gov.my
Unlicensed moneylenders, licensee misconduct
PDRM (Royal Malaysia Police)
999 · Visit nearest balai polis
Threats, harassment, vandalism
BNM TELELINK
1-300-88-5465 · bnmtelelink@bnm.gov.my
Online loan scams, fake bank impersonation
MCMC (SKMM)
1-800-188-030 · aduan@mcmc.gov.my
SMS / WhatsApp harassment, scam ads
马来西亚相关法规
Governing Laws & Regulations
Regulation
Moneylenders Act 1951 (Akta Pemberi Pinjam Wang)
Primary law governing licensed moneylenders and loan consultants in Malaysia. Sets license, conduct and interest cap requirements.
Regulation
Moneylenders (Control and Licensing) Regulations 2003
Operational rules: license format, office requirements, advertising restrictions, prohibited practices.
Regulation
KPKT Enforcement (Bahagian Penguatkuasaan)
Investigates unlicensed lenders, audits licensees, and issues penalties for non-compliance.
Regulation
Bank Negara Malaysia (BNM) Coordination
Banks we help you compare are separately regulated under BAFIA / Financial Services Act 2013, ensuring end-to-end legal financing.
常见问题 (20+)
KPKT Licensing FAQ (20+ Questions)
KPKT (Kementerian Perumahan dan Kerajaan Tempatan) is Malaysia's Ministry of Housing and Local Government. It regulates and licenses loan consultants and moneylenders nationwide under the Moneylenders Act 1951 (Akta Pemberi Pinjam Wang).
A KPKT licensed loan consultant is a person or company that has been issued an active license by KPKT to legally provide loan advisory, comparison, and application support services to Malaysian borrowers. The license number always follows the format WL****/**/**-**/****.
Step 1: Ask the consultant for their full license number (format WL****/**/**-**/****). Step 2: Visit www.kpkt.gov.my and search the licensed moneylender / consultant directory. Step 3: Cross-check the registered business name, address and license validity date. Step 4: Verify the office is a real physical premise — KPKT-licensed firms must operate from a registered address.
First Capital's license is WL4766/01/01-11/251126. "WL" stands for Wang Lesen (money license). The digit blocks identify the file number, branch, issue cycle and expiry year (251126 = valid through 26 November 2025, renewable).
Yes. First Capital holds KPKT License WL4766/01/01-11/251126 and has operated legally from Gurney Tower, George Town, Penang since 2010. We have served over 1,000 Penang borrowers in Mandarin and English.
Banks are direct lenders regulated by Bank Negara Malaysia (BNM). A KPKT licensed loan consultant does NOT lend money directly. We help you compare suitable financing products from licensed banks and licensed financial institutions, prepare your application, and improve your approval odds.
Illegal lenders (Ah Long) operate without any KPKT or BNM license. They commonly charge 10–40% interest per month, harass borrowers, splash paint, and use threats. KPKT licensed consultants are bound by law, audited, must disclose terms transparently, and can be reported to KPKT if they breach the rules.
No. Any party — licensed or not — that GUARANTEES approval is a red flag. Final approval rests with the bank, based on your income, CTOS/CCRIS records, DSR and supporting documents. A licensed consultant can only improve your odds and help match you to the right product.
No. Reputable KPKT licensed loan consultants operate on a success-fee or post-disbursement basis. Demanding large upfront fees, 'processing fees', or 'CTOS cleaning fees' before any loan is approved is a major red flag.
Never. No legitimate consultant, bank or government agency will ever ask for your MyKad PIN, online banking password, TAC/OTP, or full credit card CVV. If anyone asks, terminate contact and report immediately.
Do not share your MyKad, IC photo, payslip, or bank details. Block the contact. Report the lender to KPKT Hotline 1-800-88-2433, PDRM (police), or via the official KPKT website. Save all messages as evidence.
First Capital's office is at Gurney Tower, 18 Persiaran Gurney, 10250 George Town, Penang. Consultation is by appointment only (no walk-ins) to protect client confidentiality.
Yes. Under the Moneylenders Act 1951, licensed moneylenders are capped at a maximum effective rate (currently 12% per annum for secured loans and 18% per annum for unsecured loans). Bank rates fall under BNM. Any party charging beyond these caps without a license is operating illegally.
KPKT loan consultant / moneylender licenses are typically issued for 2 years and must be renewed before expiry. The expiry date is embedded in the license number itself. Always confirm the license is still within its validity period.
You can call KPKT directly at the official hotline 1-800-88-2433 (Talian Aduan KPKT) for verification. Do NOT rely on phone numbers given to you by the consultant being verified — always look up the official KPKT contact via www.kpkt.gov.my.
Keep a copy of the consultant's license number, written quotation, WhatsApp / email correspondence, list of banks you applied to, loan agreement, and disbursement statement. These protect you if a dispute arises.
It is a major red flag. KPKT requires a registered physical business address. 100% online operators with no verifiable office are extremely high risk and often unlicensed.
Absolutely not. Never sign blank loan agreements, blank cheques, or blank promissory notes. Every figure (loan amount, tenure, monthly instalment, total interest) must be filled in before you sign.
No. Most 'instant 5-minute approval' or 'no documents needed' loan ads on Facebook, Telegram and SMS are scams or illegal lenders. Legitimate licensed financing always requires identity verification, income proof and a CTOS/CCRIS check.
First Capital is a KPKT licensed loan consultant with a physical Penang office and human consultants. Many unregulated 'loan apps' are not KPKT or BNM licensed and may harvest your contacts for harassment. Always verify the operator's KPKT or BNM license before installing any loan app.
Report to: (1) KPKT Aduan — 1-800-88-2433 or aduan@kpkt.gov.my; (2) PDRM (Royal Malaysia Police) — 999; (3) Bank Negara TELELINK — 1-300-88-5465 for online scams; (4) MCMC — 1-800-188-030 for SMS / messaging harassment.
If you are being harassed, the priority is your safety — contact PDRM (999) immediately and report to KPKT. As a licensed consultant we cannot intervene with illegal lenders, but once you are safe we can help you assess legitimate refinancing or debt consolidation options to permanently exit unlicensed debt.
持牌服务范围
Our KPKT-Licensed Consultation Services
KPKT Licensed
槟城个人贷款
Personal Loan Penang
Compare personal loan offers across licensed Malaysian banks.
Learn more →
KPKT Licensed
债务重组
Debt Consolidation Penang
Combine multiple debts into one manageable monthly payment.
Learn more →
KPKT Licensed
中小企业贷款
SME Loan Penang
Working capital and term financing for Penang SMEs.
Learn more →
First Capital (WL4766/01/01-11/251126) is a KPKT-licensed loan consultant based in Gurney Tower, Penang, serving Chinese-speaking borrowers since 2010.
为什么选择 First Capital · Why Borrowers Trust Us
持牌、透明、可问责的贷款顾问服务A KPKT-licensed, transparent and accountable loan consultancy
- KPKT 持牌顾问License WL4766/01/01-11/251126
- 1,000+ 槟城客户Penang clients since 2010
- 12小时回复12-hour response, no walk-ins
- 100% 保密Strict data confidentiality
- Gurney Tower 实体办公室18 Persiaran Gurney, George Town
- 15年+ 行业经验Compare across major MY banks
12小时内批核回复 · 12-Hour Approval Response
免费咨询，30秒了解您能借多少Free Consultation · Know How Much You Qualify in 30 Seconds
KPKT 持牌贷款顾问 · 槟城本地团队 · 华语服务 · 100% 保密。No fees until your loan is approved.
KPKT WL4766/01/01-11/251126 资料严格保密 12h 快速回复
仅限预约咨询，恕不接受即访 · Appointment Only, No Walk-In · WhatsApp 我们随时回复