Loan Lead Quality Calculator.
The maximum viable cost per lead — buy-side, given your own approval rate, loan size, margin and target profit.
By shakalakaa · 11 Oct 2026
Max CPL = approval rate × (avg loan size × margin − target profit). At 12% approval, RM5,000 avg loan and 30% margin with RM500 target profit, max CPL is RM120. Buy-side inverse of cost-per-funded-loan — enter your own figures, no defaults.
FAQ
How is this different from the Cost per Funded Loan Calculator?
That one is descriptive: given your funnel, what does one funded loan cost? This one is prescriptive and buy-side: given required profit per funded loan, what is the maximum you can pay per lead?
Why is margin per funded loan required?
Cost per lead has no ceiling without a gross-margin figure. Use your own last-book gross margin, not an assumed interest rate.
What is a realistic approval rate to enter?
Your own last-90-days rate. Salaried and self-employed segments usually differ materially — run per-segment where funnels are separated.
Does this include KPKT permit or Google verification cost?
No. Statutory costs sit outside the per-lead variable cost this tool models.
Does this include KPKT advertisement permit or Google verification cost?
No. Statutory costs — the advertisement permit under section 11(1) of the Moneylenders Act 1951, and Google Ads Financial Services Verification required for Malaysian financial-services advertisers since 14 April 2026 — sit outside the per-lead variable cost this tool calculates.