How it works
From scattered loans to one dashboard, in three minutes.
No downloads, no paperwork, no phone calls. Connect your bank, let B find your loans, and start tracking everything in one place.
Connect your main bank
Read-only access, via BNM-licensed Open Banking. We connect to your bank the same way budgeting apps do — securely, with your permission, and with zero ability to move money.
Bolehlah has read-only access. We can see transactions but cannot initiate payments, transfers, or any financial action on your behalf.
Supported banks
More banks added quarterly · BNM Open Banking
Simulated B scan output · you confirm each loan
B scans 12 months of transactions
B looks for recurring outflows that match loan repayment patterns — fixed monthly amounts going to finance companies, koperasi, or known lenders. She surfaces everything and lets you decide what’s actually a loan.
Track, chat, stay on top
Your loans live in one dashboard. For Bolehlah-powered lenders, you get a live Support Officer 24/7. For the others, B still helps you stay organised — and she can reach out to invite them into the network.
“Which loan should I pay off first?”
B: PinjamCepat charges the highest effective rate at 18.2%. Paying an extra RM 100/mo there saves you RM 1,240 over the remaining term. Want me to set a reminder?
“Yes please, and tell me when I’ve paid it off”
Simulated B conversation · actual advice depends on your data
Common questions
Things people ask before signing up.
Is Bolehlah free?
Yes, always free for borrowers. Bolehlah earns from lenders who subscribe to our AI Officers platform. You will never be charged anything.
Is my data safe?
We use read-only Open Banking access licensed by Bank Negara Malaysia. We can see transactions but never move money. All data is encrypted, stored locally in Malaysia, and fully PDPA-compliant.
What if my lender isn’t on Bolehlah?
You can still track that loan manually — just enter the details yourself. B will also reach out to your lender and invite them to join the Bolehlah network, so you get full integration later.
Can I delete my data?
Anytime. Go to Settings and tap “Delete my account.” Everything is erased permanently — bank connections, loan records, chat history. No hoops, no waiting period.
How does B know my loans?
B scans 12 months of your bank transactions for recurring outflows that match loan repayment patterns — fixed monthly amounts to finance companies, koperasi, or known lenders. You confirm each one before it’s added to your dashboard.
Ready to see the full picture?
Message B on WhatsApp and she’ll walk you through setup in two minutes. No app download, no forms.
Get early access on WhatsApp