Yes. Skyro is the trading name of AT Series Capital Sdn. Bhd. (Company No. 199101002117 (212428-M)), a moneylender licensed by the Ministry of Housing and Local Government (KPKT) under the Moneylenders Act 1951.

Moneylender's Licence No.: WL8038/14/01-3/260728

Licence validity: 27/07/2026 - 26/07/2028

Our full licence details, registered address and advertisement permit number are shown at the bottom of every page.

We will never ask you to pay any fee before your loan agreement is signed. We will never ask you to hand over your ATM card, MyKad or online banking password.

No. Skyro is not a bank and does not accept deposits. We are a licensed moneylender regulated by KPKT under the Moneylenders Act 1951. Licensed moneylenders in Malaysia are also known as Credit Community (Kredit Komuniti).

You can verify our licence on the KPKT website or by checking our licence number against the KPKT register.

A licensed moneylender will never hold your ATM card or MyKad, never ask for payment before your loan is approved and signed, and never charge interest above 18% per annum for an unsecured loan.

Skyro Credit is a personal loan provided by a licensed moneylender. You apply in the app, choose your amount and repayment term, and once approved and your loan agreement is signed, the money is sent to your bank account.

You repay in fixed monthly instalments. Before you sign anything, the app shows you your monthly instalment, the interest rate and the total amount you will repay.

You can apply if you are a Malaysian citizen or permanent resident with a valid MyKad, have a regular income, and hold a Malaysian bank account in your own name.

Every application is assessed individually based on your income, existing financial commitments and credit history. Meeting these basic requirements does not guarantee approval.

Your MyKad, a Malaysian bank account/or an eWallet in your own name, and a selfie for identity verification. You will also need to confirm your income - the app will show you the accepted ways to do this.

Everything is done in the app. There is nothing to print and no branch to visit.

The amount you can borrow depends on your income, existing financial commitments and credit history. The app will show you your available limit after you apply.

You repay in fixed monthly instalments on/or before the date shown in your repayment schedule. You can pay directly from your bank account via FPX in the app.

Yes. You can settle your loan in full at any time by contacting us.

Most applications receive a decision within minutes. Some applications need additional checks, which may take longer.

Once your loan agreement is signed, the funds are sent to your bank account. The time it takes for the money to reach your account depends on your bank.

We assess each application individually based on your credit history, income, existing commitments and other factors. We are not able to explain individual decisions in detail, but a decision not to lend does not mean you cannot apply again in the future if your circumstances change.

We handle your personal data in accordance with the Personal Data Protection Act 2010. Our Privacy Notice explains what data we collect, why we collect it, who we share it with, how long we keep it and how we protect it. It is available in English and Bahasa Malaysia.