Plain English. Lawyer-vetted.

Bolehlah.com is a digital identity + loan-portfolio dashboard. We do not lend you money. The actual lender is the licensed koperasi or money lender you choose on the platform. Bolehlah is the technology that connects you to them.

(a) Be at least 18 years old and a Malaysian citizen or permanent resident. (b) Provide truthful information — false NRIC, salary, or employment details is fraud and will be reported. (c) Not use the platform to apply for loans on someone else’s behalf without their written consent. (d) Repay any loan you take per the schedule agreed with the lender.

(a) Verify lenders we list are licensed under Akta Pemberi Pinjam Wang 1951 or Akta Koperasi 1993. (b) Show you the rate, tenure, total repayment, and any fees before you accept. (c) Never charge you a fee for using Bolehlah.com itself — borrowers always use the platform free. (d) Protect your data per our Privacy Policy.

B is an AI assistant that helps you understand your options, not a registered financial advisor. B’s suggestions are not financial advice. Final lending decisions are made by the lender’s underwriter (which may itself be an AI Officer, but reviewed by humans for borderline cases). You should always verify offer terms before signing.

Disbursements come from the lender’s account, via Razer Payout or FPX, into yours. Repayments go from your account to the lender’s, via ANGKASA salary deduction (where eligible) or DuitNow / FPX. Bolehlah does not hold borrower funds at any point.

If you have a problem with a lender, raise it in-app via Members → Messages → Open ticket. We mediate within 5 working days. If unresolved, you can escalate to Tribunal Tuntutan Pengguna Malaysia (TTPM) for amounts under RM 50,000 or to BNM’s consumer protection unit. Bolehlah will provide all necessary records.

We may suspend your account if we detect fraud, AML/CFT triggers, or repeated attempts to game the underwriting model. We will tell you the reason where legally permitted, give you 7 days to respond, and refund any platform fees (there are none for borrowers). You can close your account any time at Profile → Close account — though active loan data must be retained per BNM regulation.

Bolehlah’s liability to a borrower is capped at RM 5,000 except where our negligence or breach of PDPA caused you direct, demonstrable loss. We do not cover indirect losses (lost income, reputational damage). The lender is separately liable for the loan terms; Bolehlah does not guarantee any specific loan outcome.

These terms are governed by Malaysian law. Disputes are heard in the courts of Kuala Lumpur. Both parties consent to jurisdiction.

We’ll email you 14 days before any material change. Continued use after the change constitutes acceptance. If you don’t agree, close your account before the effective date.