BoltLoan review

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

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Our verdict

BoltLoan lends at an APR of 12%, the same as the site median of 12%, and it funds As soon as 3 minutes after approval. It suits borrowers with a good credit record who want a personal loan and can clear it early free. Thin credit files are out, since the check is hard.

Key facts

Best for
Personal loan borrowers with good credit who want money in the account the same day.
APR
12% (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
As soon as 3 minutes after approval (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
INNOVATENET SDN. BHD. (Source, checked September 26, 2026)
Headquarters
Malaysia (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
fleurspret.com

Pros and cons

Pros

  • APR of 12% sits at the site median of 12%
  • Funding can arrive As soon as 3 minutes after approval
  • Free early repayment, so settling early costs nothing extra
  • Help is reachable by email, phone and help centre

Cons

  • Applications run a hard credit check
  • Credit needed is good, which rules out weaker files
  • A single product type: personal loans only
BoltLoan

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers with a good credit record looking for a personal loan
  • People who need money in the account quickly after approval
  • Anyone who plans to pay the loan off early and save the interest

Who should look elsewhere

  • Borrowers with poor credit, since the check is hard and credit needed is good
  • Monzo Flex users, whose APR of 10% to 23% starts lower
  • Cashspace users, whose APR of PHP 12 to PHP 36 starts at the same level but in a different currency

Who runs it

BoltLoan is a direct lender rather than a broker or marketplace, so direct lender means the decision sits with one company. The legal entity behind the service is INNOVATENET SDN. BHD., based in Malaysia. Help runs on email, phone and help centre, so you can pick a phone call, an email or the help centre depending on how urgent the question is.

How BoltLoan compares

Where BoltLoan is available

Available
Malaysia

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

Frequently asked questions

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

The published APR is 12%. That sits level with the median of 12% across the site, so it is a middle-of-the-market rate rather than a cheap one. You would need a good credit record to be accepted.

How fast can I get the money?+

Funding can be As soon as 3 minutes after approval. Same-day funding is listed as a feature of the service, so an approved application does not have to wait for the next banking cycle. The speed applies once a decision is made.

Does a BoltLoan application run a credit check?+

Yes, the check is a hard one, which means a decision records on your credit file. The standard required is good. Applicants with weaker files are less likely to be accepted.

Can I repay the loan early without extra cost?+

Free early repayment is offered, so paying off ahead of schedule adds nothing. That makes the 12% cheaper than it looks if your income rises or the loan gets cleared early. Ask about the terms before you borrow.

Who actually lends the money?+

BoltLoan is a direct lender, so you deal with one company from application to repayment rather than a broker passing your details on. The named legal entity is INNOVATENET SDN. BHD., registered in Malaysia.

What kind of loans does BoltLoan offer?+

The range covers personal loans only. If you need a credit line, a car loan or a loan against an asset, that falls outside what this lender writes. Check the type before you apply.

How do I get help once I have an account?+

Support runs on email, phone and help centre, so you have a phone line, an email route and a help centre. Pick whichever suits the urgency, and using email keeps a written record of the exchange for your own reference.

Is BoltLoan a regulated lender?+

BoltLoan is registered in Malaysia as a direct lender under the legal entity INNOVATENET SDN. BHD.. Check with your own regulator before you commit to a long repayment, especially if the money is for anything large.

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

Personal loan borrowers with good credit who want money in the account the same day.

9.1/10See alternatives

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