General information, not legal advice. For a decision on your own case, speak to a licensed lawyer.
Check a moneylender's KPKT licence in three steps. Last checked: 19 October 2026.
- Install i-KrediKom (opens in a new tab), KPKT's official app for checking whether a moneylending company is licensed.
- Search the company name or licence number exactly as shown on the lender's advert, website or office signboard.
- For an online lender, also find it on KPKT's list of moneylenders approved for online lending (opens in a new tab). If it is not listed, do not borrow from it.
shakalakaa is a marketing agency, not a moneylender.
- We do not lend money and cannot arrange, broker or refer a loan. To verify a licensed lender or borrow, use the official KPKT registry (opens in a new tab).
- shakalakaa ialah agensi pemasaran, bukan pemberi pinjam wang. Kami tidak memberi pinjaman dan tidak boleh mengatur, membroker atau merujukkan sebarang pinjaman. Untuk menyemak pemberi pinjam wang berlesen atau membuat pinjaman, gunakan the official KPKT registry (opens in a new tab).
- shakalakaa 是营销代理机构，并非放债人。我们不提供贷款服务，也无法安排、介绍或转介任何贷款。要查证持牌放债人或申请贷款，请使用官方 KPKT 登记册。
What the KPKT licensed money lender register is
Under the Moneylenders Act 1951 every person or business carrying on the business of moneylending in Malaysia is required to hold a current licence issued by the Registrar of Moneylenders, an office within the Ministry of Housing and Local Government (KPKT).
The register — the public list of every entity holding a current licence — is what the phrase "list of licensed money lender in Malaysia" refers to.
KPKT publishes and maintains the register itself; there is no BNM (Bank Negara Malaysia) equivalent list, because moneylenders are not licensed by BNM, they are licensed by KPKT (this is the specific confusion the "licensed by Bank Negara" phrase in some loan ads exploits — covered in our blog post "Licensed by Bank Negara" in loan ads).
How to check the KPKT licensed money lender list online — step by step
KPKT's official checking routes are the i-KrediKom app and, for online lenders, KPKT's published list of moneylenders approved for online lending. iDEAL (ideal.kpkt.gov.my) is KPKT's portal for licence applicants, not a public lender search.
The procedure is:
- (1) note the moneylender's licence number, registered company name and licensed premise address exactly as the lender presents them to you (they are required to display these);
- (2) look the licence number up on i-KrediKom, then again on the kpkt.gov.my portal — a legitimately licensed lender's three fields match on both surfaces;
- (3) confirm the licensed premise address matches the physical office you're dealing with, because a valid licence is issued against a specific premise;
- (4) check whether the specific advertisement the lender is running carries the separately-required Registrar of Moneylenders advertisement permit under the Moneylenders Act 1951 — the ad-permit and the moneylending-licence are two distinct authorisations, and legitimate lenders carry both.
Red flags of an unlicensed moneylender (Ah Long) in Malaysia
Unlicensed moneylenders — "Ah Long" in the Malaysian vernacular — imitate the surface signals of licensed operators to escape the verification described above. Common patterns:
- (a) a licence number is displayed but does not resolve on i-KrediKom or kpkt.gov.my;
- (b) the displayed licence number resolves but to a different registered company or licensed premise address than the entity you're dealing with;
- (c) no licensed premise address is displayed at all, only a mobile number and a WhatsApp contact;
- (d) the ad claims "licensed by Bank Negara Malaysia" — BNM does not license moneylenders, so this specific phrase is itself a signal;
- (e) the ad implies "no CCRIS check" or "no credit report needed" — legitimate licensed lenders do not fall back on those framings.
Google Financial Services Verification (FSV) — the advertising layer
Independent of the KPKT licence itself, an advertiser promoting financial services such as credit and loans to users in Malaysia must complete Google's Financial Services Verification (opens in a new tab) (FSV), enforced from 14 April 2026:
it declares the licences it holds and its registration number, and its business details must match the relevant regulator's registry. Last checked: 19 October 2026.
- Google's FSV requirement is not a substitute for a KPKT licence — it is an additional gate a licensed moneylender still has to pass before the ad can serve.
The practical implication
For a lender, the practical implication is that a Google Ads campaign for loan products in Malaysia needs FSV completed, with licence details that match the official register, before the ads can serve.
For a consumer, a live Google Ad promoting a moneylending service is a marginal (not sufficient) positive signal — it shows the advertiser passed Google's own checks, but it does not confirm the lender holds a current KPKT licence, so check i-KrediKom as well.
Bahasa Malaysia edition
A Bahasa Malaysia edition of this guide is in preparation, pending a BM reviewer's sign-off, so that Bahasa Malaysia guidance published on shakalakaa carries the same editorial accountability as the English editions.
Cross-market reference: the Singapore equivalent — a different licensing regime administered by the Ministry of Law's Registry of Moneylenders under the Moneylenders Act (Cap.
188), not KPKT — is documented separately on our licensed moneylender list Singapore. Consumer verification steps, permitted advertising boundaries and licensed-vs-unlicensed red flags are jurisdiction-specific and should be read against the correct regulator for the market involved.
For licensed moneylenders reading this: the compliance angle
The advertising rules a licensed Malaysian moneylender operates under are covered in our licensed moneylender compliance page.
Model ad copy against the Registrar's rules with the free loan ad compliance checker before campaign launch. For the marketing side of the same industry (channel mix, cost benchmarks, WhatsApp lead handling under PDPA), see the loan marketing hub.
- a WhatsApp automation agency for consented borrower follow-up
- AI agents and automation to qualify applications in the CRM
Related: loan marketing (Malaysia), licensed moneylender compliance, the loan ad compliance checker, and the guide to PDPA and DNC obligations for loan lead generation in Malaysia.
- Cite this
- shakalakaa (Plixitt Solutions). “Licensed Money Lender List Malaysia (KPKT).”
- https://shakalakaa.my/resources/licensed-money-lender-list-malaysia-kpkt · Updated 2026-10-21
- Licensed under CC BY 4.0.