We Help You Progress Financially
Kayangan Aspirasi Sejati Sdn. Bhd.
A licensed Moneylender Approved by Ministry of Housing And Local Government (KPKT).
License No. WL4440/14/01-11/041026
What we believe in
We are a Licensed Money Lender
Kayangan Aspirasi Sejati (KAS) paves the way of future financing and fulfils your financial needs with easy accessible, prompt and affordable financing products and services.

We realise your financial progress with KAS personal and business financing. KAS offers flexible financing to individuals and businesses of different needs and demands with low interest rate and easy repayment terms.
Our Services

Our Services

Digital Personal Financing


KAS is proud to announce that our personal loan services are now available digitally. Experience secure and seamless personal loan applications at your fingertips with our innovative digital lending platform.

Digital Personal Loan

KAS offers you digital evolution in realizing your financial flexibility….

Click Here To Find Out More
Our other non-digital loan products and services are still available:

Personal Financing

Are you are in need of financing for your emergency financial needs, medical bills, home renovation, holiday expenses, education fees or to pay off financial debts? We can assist you with Personal Loan which gives you affordable financing and easy repayment scheme to enable you to enjoy financial flexibility.

Business Financing

Are you in need of financing to expand your business or, allow your business to wade through recession or downturn period? We offer Business Loan with loan size and tenor matching your financial needs to enable you to sustain and progress your businesses.

Personal Financing

Are you are in need of financing for your emergency financial needs, medical bills, home renovation, holiday expenses, education fees or to pay off financial debts? We can assist you with Personal Loan which gives you affordable financing and easy repayment scheme to enable you to enjoy financial flexibility.

Apply

Business Financing

Are you in need of financing to expand your business or, allow your business to wade through recession or downturn period? We offer Business Loan with loan size and tenor matching your financial needs to enable you to sustain and progress your businesses.

Apply

Personal Loan

Interest Rate Not More Than 12% Per Annum (With Collateral) and Not More Than 18% Per Annum (Without Collateral)

1. Minimum Loan Amount: RM1,000.00
2. Maximum Loan Amount: To be determined upon credit assessment
3. Minimum Tenure: 3 Months
4. Maximum Tenure: 60 Months (to be determined upon credit assessment)
5. Minimum Age: 21 Years Old
6. Maximum Age: 60 Years Old Upon Loan Maturity
7. Financing Type: Conventional Loan
8. Guarantor / Collateral: No Guarantor or Collaterals Required *
9. Disbursement Method: Direct Credit (into Bank Account Registered)
10. Disbursement Amount: After Deducting All Fees & Charges Payable
11. Early Full Settlement: 1 Month Notice
12. No Hidden Cost or Early Settlement Fee

* Subject to management review

Business Loan

Interest Rate Not More Than 12% Per Annum (With Collateral) and Not More Than 18% Per Annum (Without Collateral)

1.Minimum Loan Amount: RM1,000.00
2.Maximum Loan Amount: To be determined upon credit assessment
3.Minimum Tenure: 3 Months
4.Maximum Tenure: 60 Months (to be determined upon credit assessment)
5.Financing Type: Conventional Loan
6.Guarantor / Collateral: No Guarantor or Collaterals Required *
7.Disbursement Method: Direct Credit (into Bank Account Registered)
8.Disbursement Amount: After Deducting All Fees & Charges Payable
9.Early Full Settlement: 1 Month Notice  
10.No Hidden Cost or Early Settlement Fee

* Subject to management review

About US

Who we are

KAS, an established money lending licensee approved by the Ministry of Housing And Local Government has substantial years of operations in money lending business. 

KAS head office is located at Kuala Lumpur. We focus in delivering affordable financing products and services to individuals and small businesses. We have a dedicated and resourceful team with strong commitment in delivering reliable and great services to our customers.

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Our Vision

What we do

To fulfil the financial needs of individuals and businesses to enable them to progress financially 

We want everyone to realise their dreams in attaining financial progress by providing easy accessibility to prompt and affordable financing.

Learn More
About Us

Company news

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