Credit Score+
Build CTOS score through consistent micro-payments
A credit-builder loan designed for Malaysians to improve their credit score through consistent payments.
Boost Credit Score
Build credit history with CTOS
Financial Security
Get your savings back at the end
Easy Process
Quick digital onboarding
Flexible Plans
Choose your monthly payment
How Credit Score+ Works
Build your credit score with a simple and transparent process
Sign Up
Quick digital onboarding, no heavy paperwork.
Choose a Plan
Pick a credit builder plan that suits your needs.
Make Monthly Payments
Pay on time; we report each payment to CTOS.
Build Credit & Save
After the term ends, you get your saved principal back.
Features
Everything you need to build your credit score
Automate payments
Autopay can help you stay on track without worrying about due dates.
Track your credit score
Watch how your score changes over time – 30% discount on CTOS reports for all Credit Score+ subscribers
Reports to CTOS
Every payment is reported to CTOS to help build your credit history.
Cancel anytime
We know making payments isn't always easy. That's why you can cancel at any time and get your savings progress back, minus interest and fees.
Additional Benefits
Exclusive perks for Credit Score+ customers
Save on Kapital Loans
50% discount on origination fees for loans from Kapital
CTOS Discount
30% discount on CTOS report purchasing
Early Access
Withdraw up to 30% after 6 months of consistent payments
Choose Your Plan
Flexible credit building - larger payments build credit score faster
Spark
Stride
Soar
No credit card required • Cancel anytime
Frequently Asked Questions
Everything you need to know about Credit Score+
How does Credit Score+ work?
Credit Score+ is a credit-builder loan where your monthly payments are reported to CTOS. The amount you pay is held in a savings account and returned to you when the loan term ends.
Is Credit Score+ a loan?
Yes, Credit Score+ is classified as a loan. This enables Kapital to report your monthly payments to CTOS to build your credit score.
When do I get my money back?
You'll receive your full principal amount minus interest back at the end of the 12-month term. You may also be eligible to withdraw up to 30% after 6 months of consistent payments.
How quickly will my credit score improve?
Credit score improvements vary by individual, but most users see positive changes within 3-6 months of consistent payments. Larger monthly payments typically lead to faster improvements.
What happens if I miss a payment?
Missing payments will be reported to CTOS and may negatively impact your credit score. We recommend setting up automatic payments to avoid this.
How can I monitor my credit score improvements?
You can monitor your credit score improvements via CTOS reports. We offer a 30% discount on CTOS report purchases through our platform for all Credit Score+ users.
What happens if I cancel my plan before the 12-month term?
You can cancel your plan at any time. Your savings will be returned to you, minus interest up to the cancellation date. An early-cancellation fee of RM 50 may also be applicable.
Will early cancellation affect my credit score?
No, early cancellation will not negatively affect your credit score, but your credit score may not be built to its full potential.