EzPinjam Malaysia Review — Legit or Scam?

"EzPinjam" has spiked dramatically in Malaysian search interest. Most people searching for it are asking one thing: is it safe? We spent time investigating — here's what we found, and what we couldn't find.

Why Is Everyone Searching for EzPinjam?

The sudden search spike for "EzPinjam" follows a pattern commonly seen in Malaysia when a loan offer goes viral on WhatsApp, TikTok, or Telegram. This typically means:

1. A new lending platform launched and is aggressively promoting via social media
2. A scam using the "EzPinjam" name is circulating and people are warning each other
3. Confusion between multiple EZ-named loan brands already operating

The important distinction: The search spike itself doesn't tell us whether EzPinjam is legitimate.

What Is EzPinjam?

EzPinjam appears to be a personal loan or money lending platform targeting Malaysian borrowers. However, basic facts that any licensed lender should make public — including company name, SSM registration, and KPKT license number — are not clearly verifiable through independent sources.

The EZ-Named Confusion Problem

There are multiple unrelated companies using EZ-prefixed loan brand names in Malaysia:

• EZPinjaman.loan — claims to be a licensed moneylender, operates in KL/Selangor
• EzPinjaman.com — domain appears inactive
• EazyPinjam.com — holds KPKT License WL7819 (expired March 2025)
• EzBestLoan, EzLoan.my — separate entities

This naming confusion is itself a red flag. Scammers frequently copy near-identical names of legitimate businesses. If you received a WhatsApp message promoting "EzPinjam," verify the exact spelling, company name, and license number before responding.

How to Verify Any Moneylender in Malaysia (2 Minutes)

Before engaging with EzPinjam or any loan platform:

1. i-KrediKom app — Download from Play Store/App Store. Official KPKT tool to check if a moneylender is licensed. Search by company name or license number.
2. KPKT website — kpkt.gov.my → search licensed moneylenders list
3. Ask for license number — Any licensed moneylender must have a format like WL####/##/##-#/######. If they can't provide this, walk away.
4. BNM Financial Consumer Alert — bnm.gov.my → check if the platform is on the scam warning list

What You Should Use Instead

If you need quick personal financing in Malaysia, here are verified, licensed alternatives:

If You Have EPF + RM1,500 Income: GX Bank FlexiCredit

GX Bank is a fully licensed digital bank (BNM) — same MyKad-only convenience but at bank rates.

Who Qualifies for GX Bank

✅ You qualify if:

• Malaysian citizen or PR, aged 21–64
• Monthly income RM1,500+
• Active EPF/KWSP contributor (6+ months)
• No major CCRIS defaults

❌ If you don't qualify: Use a verified KPKT-licensed moneylender. The i-KrediKom app shows the full official list. Rates are capped at 18% p.a. by law.

Frequently Asked Questions

Is EzPinjam legit?

We could not independently verify a KPKT moneylending license for "EzPinjam." Without a confirmed license number, we cannot recommend it. Check the i-KrediKom app or KPKT website to verify before engaging.

Why is EzPinjam trending so much?

The sudden search spike follows the typical viral loan promotion pattern in Malaysia — either a new platform launched aggressively on WhatsApp/TikTok, or a scam is circulating and people are searching for warnings. Either way, verify the license before proceeding.

What is the EzPinjam interest rate?

We could not find publicly verified rate information for EzPinjam. Licensed moneylenders in Malaysia are capped at 18% p.a. for secured loans and 18% p.a. for unsecured loans under the Moneylenders Act. Any rate above this is illegal.

How do I report an illegal moneylender in Malaysia?

Contact BNM at 1-300-88-5465 or BNMLINK (the online complaint portal). For loan scams involving upfront payment, also file a police report with PDRM Cyber Crime Division (www.cybercrimealert.com.my).

What is the safest loan app in Malaysia?

The safest options are BNM-licensed digital banks: GX Bank FlexiCredit (3.78% p.a.), TNG GOpinjam, or AEON Bank — all protected by PIDM and regulated by Bank Negara Malaysia. For those who don't qualify for digital banks, use KPKT-licensed moneylenders verified via i-KrediKom.

Is there a difference between EzPinjam and EzPinjaman?

Yes — "EzPinjam" and "EzPinjaman" appear to be different entities. EzPinjaman.loan claims to be a licensed moneylender in KL/Selangor. Always verify the exact company name, SSM number, and KPKT license before engaging with any EZ-named lender.

Related Articles

• GX Bank FlexiCredit — Full Guide
• DuitGini Review — KPKT Licensed Moneylender
• Best Loan App Malaysia 2026
• Pinjaman Berlesen Malaysia — Cara Sahkan

Last updated: 27 June 2026