Loan Ad Compliance Checker.
Tick what your loan ad does. We'll flag licence, permit and platform-compliance issues — some are blocking, some are worth fixing.
This self-check runs planned loan ad copy against 10 rules drawn from the Moneylenders Act 1951, KPKT's own licensing guideline, and Google's Ads policies — 3 of them (licence status, advertisement permit, licence-number display) are treated as blocking, not just flagged, because unlicensed lending has no legitimate outcome regardless of how the ad is written.
shakalakaa serves licensed lenders only. This tool, and any work we'd do on a loan-marketing account, requires a valid, current KPKT moneylending licence — verified before anything goes live, not taken on trust. See the loan marketing programme for the full eligibility statement, or the licence-verification guide for how to check a licence number directly with KPKT.
Educational self-check — not legal advice. Confirm actual licence and permit status directly with KPKT (i-KrediKom), not from this tool. Final review of any financial services advertisement should be done with the relevant authority or your own adviser.
Why is loan ad compliance stricter than other verticals?
Most compliance checkers on this site flag a non-compliant ad — the underlying business is still legitimate, the copy just needs fixing. Loan advertising is different: if the lender isn't KPKT-licensed, or the specific ad was never granted its own advertisement permit by the Registrar, there's no compliant version of that ad to write.
That's why licence status, permit status and licence-number display are treated as blocking checks here rather than just flagged issues — the same tier every other checker on this site uses for its highest-severity items.
What does this checklist check?
- Licence and permit status — blocking. Advertising an unlicensed moneylending business, or an ad without its own advertisement permit, has no legitimate fix short of getting licensed and permitted first.
- Licence-number display — blocking. Malaysian moneylender ads are expected to show the licence number and confirmation date.
- KPKT's prescribed ad format, banking implication, misleading approval claims, cost disclosure, urgency tactics — flagged, not blocking, but drawn from KPKT's own guideline document and Google's Ads policies.
- Google Ads Financial Services Verification — flagged. New since 14 April 2026; many existing campaigns may not yet be compliant with this platform-level requirement.
Methodology — where this checklist comes from
7 of the 10 rules are sourced directly from primary documents: the Moneylenders Act 1951 (fetched and read in full), KPKT's own official licensing guideline (fetched directly, read page-by-page since it's a scanned document with no machine-readable text), and Google's own Ads Policy Help pages.
The remaining 3 — the exact text of Regulation 8 of the 2003 Regulations, the WL/WP licence-number-prefix convention, and general urgency-tactic guidance — are disclosed as not primary-verified rather than presented as confirmed fact. See the full open rule set (opens in a new tab) for every rule's exact sourcing.
More detail on Methodology — where this checklist comes from
Last reviewed: August 2026
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- Cite this
- shakalakaa (Plixitt Solutions). “Loan Ad Compliance Checker (Malaysia).”
- https://shakalakaa.my/tools/loan-ad-checker · Updated 2026-10-09
- Licensed under CC BY 4.0.
shakalakaa (Plixitt Solutions). "Loan Ad Compliance Checker (Malaysia)." https://shakalakaa.my/tools/loan-ad-checker. Updated 2026-10-09. Licensed under CC BY 4.0.
Frequently Asked Questions
Does a moneylending licence cover advertising too?+
No — under the Moneylenders Act 1951 (§11), every advertisement about a moneylending business needs its own advertisement permit from the Registrar, separate from the licence to lend itself. A licensed lender can still be advertising illegally if a specific ad was never permitted.
What is Google's Financial Services Verification and does it apply to loan ads?+
Since 14 April 2026, Google requires in-scope financial-services advertisers targeting Malaysia — including personal-loan advertisers and lead generators — to complete Financial Services Verification before their ads can run. This applies on top of, not instead of, KPKT licensing.
Do license numbers really start with WL?+
Multiple independent sources consistently describe genuine KPKT moneylending licence numbers as starting with "WL" and advertising permits with "WP", but this checker treats it as an advisory signal, not a verified rule — always confirm any number directly against KPKT's own i-KrediKom system.
Does this replace legal review of a loan ad?+
No — this is an educational first-pass self-check, not legal clearance. Confirm licence and permit status directly with KPKT, and confirm anything borderline with your own adviser before publishing.
Does a moneylending licence cover advertising too?
No — under the Moneylenders Act 1951 (§11), every advertisement about a moneylending business needs its own advertisement permit from the Registrar, separate from the licence to lend itself. A licensed lender can still be advertising illegally if a specific ad was never permitted.
What is Google's Financial Services Verification and does it apply to loan ads?
Since 14 April 2026, Google requires in-scope financial-services advertisers targeting Malaysia — including personal-loan advertisers and lead generators — to complete Financial Services Verification before their ads can run. This applies on top of, not instead of, KPKT licensing.
More questions (2)
Do license numbers really start with WL?
Multiple independent sources consistently describe genuine KPKT moneylending licence numbers as starting with "WL" and advertising permits with "WP", but this checker treats it as an advisory signal, not a verified rule — always confirm any number directly against KPKT's own i-KrediKom system rather than the prefix alone.
Does this replace legal review of a loan ad?
No — this is an educational first-pass self-check, not legal clearance. Confirm licence and permit status directly with KPKT, and confirm anything borderline with your own adviser before publishing.