Hap2py is a platform that connects investors to alternative assets offered by a range of carefully selected lending partners. We offer convenient and robust investment tools that allow individuals and institutional investors to grow their passive income at ease.

Click 'Register' at the upper right corner of the homepage to complete your registration.

Monday - Friday ：9am - 11pm

Kindly contact the admin.

You can be an investor as long as you are at least 18 years of age and possess valid identification documents (such as a Malaysian NRIC)

For all type of investors, the minimum investment amount is RM300. The maximum amount will depend on the classification of investors

Full name, National Identification Card and Bank account details.

We do not charge any upfront payment.

If borrowers default on their payments, you could lose the entire principal that you have invested. However, thanks to our buyback guarantee, we are able to acquire the defaulted loans at 30% - 80% of your original invested principal if you do not wish to wait any longer for the borrower to repay the loans.

For security reasons and as part of our compliance with data protection laws, we will not reveal any personal data of the borrowers.

Once an investment is confirmed, you are not allowed to withdraw / cancel it.

All interest rates are calculated up until the repayment date and expressed as annual figures. Interest rates are calculated based on the following formula:

Residual amount invested x Interest rate (%)

Click the 'Add Fund' button, select your payment method and amount

You can see all of the transactions in your account on the “Wallet statement” page. Furthermore, you may also use the filters to see the total earnings of your investments at any given period.

The issuer will be required to pay late-payment charges to the investor.

You can only register as an issuer in your selected loan company platform.

All you have to do is to apply online using your mobile phone. The Loan Company will require you to verify your identity by uploading your IC (Front & Back).

You will need to upload your bank statements, payslips, utility bills, and any other documentations that you think may assist us in understanding your business.

While uploading, you may submit clear pictures or scanned copies of the documents.

After strictly reviewing their company information such as performance, verifying their identity as well as assessing their financial viability, not only are they willing to rent a slot from us but, more importantly, we found that they have fulfilled all of the criteria that we have set.

Your receiving amount will depend on your supporting documents.

You can try to reapply. The loan company reserves the right to decline an application based on a number of factors such as a company with a weak credit score.

You will be charged either a minimum of RM2 per day or 18% interest of the applied loan amount. You may refer to the loan company for further details.

Stamping fee, service fee & processing fee.

Click the 'Withdraw' button, enter your withdrawal amount and fill in your bank account details, followed by clicking the 'Send Request' button.

You will only be charged the processing fee (RM3 Or 2% of the withdrawal amount). The mininum withdrawal amount is RM50 and above.

It will take 1 to 2 working days for the money to be transferred to your account.

Yes, you can.
Our withdrawal is available from Monday to Sunday during working hours and it will 1 to 2 working days for the money to be transferred to your account.

Yes, you will receive the full funding amount together with the interests incurred once the loan has been repaid by the borrower.

Money from the bonus wallet cannot be withdrawn. However, you can utilise the credit for investment purposes.

Because we need to deduct your credits first in order for us to submit to the banker before they can initiate the transaction.

Because your main wallet balance is less than RM50.

Investors are entitled to receive Insurance Protection for their invested principal.

Those with Score Class A will be charged 4% interest of the applied loan amount, Score Class B will be charged 7% Interest of the applied loan amount while Score Class C will not be protected by any insurance as they have a high risk of defaulting

Score Class A - Borrowers who have repaid on time for 5 times and above.
Score Class B - Borrowers who have repaid on time for 2 to 4 time and above.
Score Class C - Borrowers who applied for loans with the loan company for the first time.

No, the Insurance Protection is provided by a third party company. For further information, you may click here

No, Hap2py will only guarantee investor's principal amount.

Please contact the Customer Service for the further assist.

Click 'Forget Username / Passwords', then fill up your mobile phone number / email to get an OTP which must be used to reset your username / passwords.

You can use your referral code to invite your friends and family to invest and earn bonus from each successful registraton.

No, because only 1 bank can be registered for each account.