Medical Treatment Instalment Plan

LK Solution’s Medical Treatment Financing (Treatment Now, Pay Later) is an unsecured financing facility that is Shariah compliant. The approved financing amount will be disbursed directly to the healthcare provider where you receive treatment.

The facility is calculated based on a fixed profit rate, resulting in fixed monthly instalments throughout the selected tenure. You can now receive the medical treatment you need and repay comfortably with flexible instalments of up to 12 months.

The facility is based on the Shariah concept of Commodity Murabahah via Tawarruq. This is a buy-and-sell contract between LK Solution and you, where a specific Shariah-compliant commodity is used as the underlying asset for the financing transaction.

Other than filling in your basic personal details, we only require the following documents:

• NRIC photos (front and back)
• Bank statements from the past 3 months (main income account)

This financing is open to Malaysian citizens aged between 18 to 65 years old. Applicants must have an active bank account. A credit card is not required.

You can receive your pre-qualified result within seconds based on your credit profile. Final approval and financing amount confirmation can be completed in as fast as 15 minutes during working hours after all documents are submitted.

Once pre-approved, you can use the facility within 2 weeks.

You may also apply directly at participating healthcare providers if additional funding is needed for your treatment.

The profit rate is 1.5% per month. There are no processing fees involved.

The financing amount ranges from RM300 up to RM10,000. Repayment tenure ranges from 3 to 12 monthly instalments.

No. The agreement signing process is completed digitally through your mobile phone.

No guarantor or collateral is required for this financing facility.

The approved financing amount will be disbursed directly to the healthcare provider within 1–2 working days after the financing agreement is signed.

If the approved amount does not fully cover the treatment cost, the remaining balance must be paid directly to the healthcare provider.

You will set up an eMandate auto-debit from your Malaysian bank account before signing the financing agreement. Monthly instalments will be deducted automatically on the scheduled payment dates.

Late payments are subject to a charge of 8% per annum, which includes compensation (Ta’widh) and penalty (Gharamah). The penalty portion will be channelled to charitable bodies. Charges will not be compounded.

Yes. Early settlement is allowed by giving 1 week written notice to LK Solution. A rebate on the remaining deferred profit may be granted.

Please complete the registration form and our team will contact you within 1 working day.

LK Solution is an online financing platform in Malaysia that helps adults access safe and affordable financing solutions. LK Solution is a licensed moneylender registered under the Ministry of Local Government Development (KPKT).

LK Solution is also recognised as the Top Rising Star of the Year in the Fintech Frontiers Award 2023.