Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

BoltLoan review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

BoltLoan is a direct lender based in Malaysia that offers personal loans at an APR of 12%, with money in the account As soon as 3 minutes after approval and no fee for repaying early. It suits borrowers with good credit who need a personal loan quickly.

Key facts

Best for
A personal loan that lands fast and can be cleared early at no cost.
APR
12%↗
Credit check
Hard↗
Funding time
As soon as 3 minutes after approval↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Loan types
Personal↗
Credit needed
Good↗
Legal entity
INNOVATENET SDN. BHD.↗
Headquarters
Malaysia↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
fleurspret.com

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Same-day funding is listed, with money reaching the account As soon as 3 minutes after approval after approval.
  • Early repayment is free, so clearing the loan ahead of schedule costs nothing.
  • You deal with the lender itself rather than a broker, and support runs on email, phone and help centre.
  • The credit level asked for is good, while Creduma ES uses a soft prequal check.

Cons

  • The credit check is hard, so an application can affect your credit file even if it does not go ahead.
  • The rate of 12% is above Sofkredit at 10.74% to 18.06%, so longer borrowing is cheaper elsewhere.
  • Help runs on email, phone and help centre only, with no branch or in-person channel listed.
BoltLoan

Ready to try BoltLoan?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Borrowers with the good credit level this lender asks for.
  • People who need cash in hand As soon as 3 minutes after approval.
  • Anyone planning to settle the loan early without an extra charge.

Who should look elsewhere

  • Rate-first shoppers, since Sofkredit shows APRs of 10.74% to 18.06%.
  • Applicants wanting a soft prequalification check before a full file search, which is how Creduma ES works.
  • Borrowers who want a wider rate band, such as Cashspace at PHP 12 to PHP 36.

How BoltLoan compares

Where BoltLoan is available

Available
Malaysia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a BoltLoan personal loan?+

A personal loan from this lender carries an APR of 12%. That sits below the site median of 15.5% for borrowing and below Sofkredit at 10.74% to 18.06%. The figure is a single headline rate rather than a band, so the quote you are given follows the same shape.

How fast does the money arrive?+

Same-day funding is listed among its features, and money reaches the account As soon as 3 minutes after approval. For a personal loan that is a short gap between approval and usable cash, which suits borrowers covering a bill or an urgent cost rather than planning ahead.

Is early repayment free?+

Repaying early costs nothing extra on this loan, so a borrower who finishes ahead of schedule pays no fee and the total cost follows the months actually used. That is not the usual arrangement here: 20.6% of lenders in the comparison charge for early repayment, and 79.4% do not.

What credit check will I go through?+

The credit check is hard, and good credit is the level asked for. A hard search is recorded whether or not the application goes ahead, so it is worth checking your position first. Creduma ES takes a gentler route with a soft prequalification check.

Who am I dealing with?+

BoltLoan is a direct lender, so the loan comes from the lender rather than a broker or a comparison site. The legal entity is INNOVATENET SDN. BHD. and it is based in Malaysia. Borrowing direct means a single agreement with a single company to track.

What can I borrow for?+

Lending is limited to personal loans, so the range is a single product rather than a menu. Applicants are judged the same way, on the hard credit check and the 12% rate. Borrowers after car finance, business borrowing or a credit line are looking at a different kind of lender.

How do I get help?+

Support runs on email, phone and help centre. Email and phone handle the quick questions and a help centre carries the detail, which is a wider mix than a single channel. Anyone who relies on in-person or app-based help is better off asking the lender what it offers before applying.

Sources

  • fleurspret.com checked September 26, 2026

    Backs: APR, Features, Headquarters, Loan types, Support channels

    “Rates from 12% per year without hidden charges”

  • fleurspret.com/faq.html checked September 26, 2026

    Backs: Credit needed, Free early repayment, Funding time

    “personal credit status (higher limits and longer terms are available for those with good credit)”

  • fleurspret.com/privacy.html checked September 26, 2026

    Backs: Credit check, Legal entity, Lender type

    “Assessing the repayment capacity of loan applicants by reviewing their solvency and credit reports”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Term, Arrangement fee, Representative example.

Related by the facts

BoltLoan

BoltLoan

A personal loan that lands fast and can be cleared early at no cost.

9.2/10See alternatives