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Step 1: Apply in Minutes
Fill out the Instant Credit application form, link your credit card, and optionally provide your SSM business registration to qualify for a higher limit.
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Get Instant Credit & Buy Now, Pay Later!
Instant Credit is a pre-approved credit limit that allows Borong users to purchase inventory now and pay 60 days later.
What is Borong Instant Credit?
A zero-interest pre-approved credit limit with fast approval in 48 hours. You can restock your business without upfront payment and keep your cash flow healthy. No complicated paperwork - just link your credit card and start using credit immediately.
Why Choose Borong Instant Credit?
- Fast Approval Get approved within 48 hours, so you can stock up quickly.
- Zero Interest No hidden fees or interest charges if paid on time.
- No Collateral Required Secure financing without tying up assets.
- Exclusive for Borong Purchases Use your credit limit to buy from top suppliers on Borong.
- Flexible Credit Limit Start with RM500, and unlock up to RM2,500 with an SSM registration.
- Seamless Auto-Payment Your credit card will be charged automatically after 60 days, making repayments hassle-free.
- Buy Inventory Now, Pay Later Avoid cash flow constraints while growing your business.
Who Can Apply?
Borong Instant Credit is available to any Borong-registered business that provides:
- A credit card, required for RM500 credit.
- Optional SSM business registration for up to RM2,500 credit.
- No other documents required.
How It Works (Simple 3-Step Process)
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Step 2: Get Approved in 48 Hours
Your application is manually reviewed, and approval is confirmed via email, Borong account, and WhatsApp.
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Step 3: Buy Now & Pay in 60 Days
Use your Instant Credit to purchase inventory on Borong. Your credit card will be automatically charged after 60 days.
Instant Credit vs. Traditional Financing
Instant Credit gives you fast access to cash flow without the hassle of loans. Apply now.
| Feature | Borong Instant Credit | Bank Loans |
|---|---|---|
| Approval Time | 48 Hours | 2-4 Weeks |
| Required Documents | Credit Card Only | Business & Financial Reports |
| Interest Rate | 0% | 5-15% APR |
| Collateral Needed | No | Yes |
| Where to Use It | Borong Purchases Only | Any Business Expense |
| Repayment Term | 60 Days | Varies |
Success Stories
How Instant Credit Helped Shiva Mini Mart Grow
Before Borong Instant Credit, we had to delay restocking certain products because of limited cash flow. Now, we can buy inventory immediately, ensuring that our shelves are always stocked, and customers never leave empty-handed. The approval process was smooth, and we started using it within days.
Shiva Mini Mart · Convenience Store Owner
Join hundreds of SMEsInstant Credit FAQs
For more details, visit our full FAQ page.
How much credit can I get?
The minimum credit limit is RM500, requiring only a credit card. If you provide your SSM business registration, you can qualify for up to RM2,500.
How does repayment work?
Your linked credit card will be charged automatically after 60 days. No manual payment is required.
What happens if I miss a payment?
If your card fails to process payment, your checkout will be disabled until the overdue balance is cleared. A RM20 late fee applies.
Explore Borong Credit
Ready to Get Started? Apply Now!
Fill out the Instant Credit application form and get approved in 48 hours.
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