Funding Societies Malaysia Review 2026: Southeast Asia's Largest P2P Lending Platform
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Last updated: June 2026 · Based on 2+ years of personal P2P investing experience on the platform
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Start InvestingWhat is Funding Societies?
Funding Societies is Southeast Asia's largest peer-to-peer (P2P) lending and financing platform. In Malaysia, it operates as Modalku Ventures Sdn Bhd and is licensed by the Securities Commission Malaysia (SC) as a Recognized Market Operator for P2P Financing. The platform connects individual investors with small and medium enterprises (SMEs) that need short-term business financing.
Founded in 2015, Funding Societies reports having disbursed more than RM17 billion (about US$4 billion) across over 5 million notes to MSMEs in Southeast Asia, spanning Malaysia, Singapore, Indonesia (where it operates as Modalku), Thailand, and Vietnam, with 200,000+ registered investors (self-reported) region-wide. The platform is backed by marquee investors including SoftBank Vision Fund 2, Peak XV Partners (formerly Sequoia Capital India), Khazanah Nasional, Maybank, CGC Digital, SMBC, Gobi Partners, and Cool Japan Fund — which gives it more institutional credibility than most fintech platforms in the region.
For Malaysian investors, Funding Societies offers an alternative asset class: instead of buying stocks, bonds, or unit trusts, you lend money directly to businesses and earn interest. The headline returns are higher than fixed deposits or money market funds — advertised at up to 18% per annum for business term, invoice and accounts-payable notes, and up to around 8% p.a. for the lower-risk Guaranteed Investment Notes — but the risk is also significantly higher, as borrowers can and do default. This is not a savings account substitute; it is a higher-risk, higher-return investment that requires active management and proper diversification.
Funding Societies Malaysia at a Glance
| Legal entity | Modalku Ventures Sdn Bhd |
| Regulator | Securities Commission Malaysia (SC) — Recognized Market Operator for P2P Financing |
| Founded | 2015 (Singapore), Malaysia launch 2017 |
| Backed by | SoftBank Vision Fund 2, Peak XV (formerly Sequoia India), Khazanah, Maybank, CGC Digital, SMBC, Gobi Partners, Cool Japan Fund |
| Total disbursed | RM17+ billion (~US$4 billion) across 5M+ notes (Southeast Asia); 200,000+ investors (self-reported) |
| Headline returns | Up to ~18% p.a. (term/invoice); Guaranteed Investment Notes up to ~8% p.a. (before defaults) |
| Minimum investment | RM100 per note |
| Investment types | Guaranteed Investment Notes, business term, invoice/accounts receivable, accounts payable, dealer & micro-financing |
| Key features | Auto-invest, secondary market, diversification tools |
| KYC | MyKad + bank account, 1-3 business days approval |
| Risk level | Medium-high (unsecured business lending) |
| Our rating | 4.0 / 5 |
How P2P Lending Works
Peer-to-peer lending cuts out the traditional bank as middleman. Instead of a business borrowing from Maybank or CIMB, it borrows from a pool of individual investors through a platform like Funding Societies. Here is the simplified flow:
- 1Business applies for financing — An SME submits a loan application to Funding Societies, providing financial documents, business information, and the purpose of the loan
- 2Platform assesses and grades the risk — Funding Societies evaluates the borrower's creditworthiness using financial data, credit bureau checks, bank statements, and proprietary algorithms. Each note is assigned a risk grade (A to D, with A being the lowest risk)
- 3Note is listed for investors — Approved notes are published on the platform with details including the loan amount, tenure, interest rate, risk grade, and borrower industry. Investors can then fund portions of the note
- 4Investors fund the note — Multiple investors each contribute a portion (minimum RM100). Once the note is fully funded, the money is disbursed to the borrower
- 5Borrower repays with interest — The borrower makes monthly repayments (principal + interest) over the loan tenure. These repayments are distributed back to investors proportionally
- 6Default scenario — If the borrower fails to repay, Funding Societies initiates collection. Recovery is not guaranteed. Investors may lose part or all of their investment in that specific note
Key understanding: Unlike a fixed deposit where your principal is guaranteed by PIDM, P2P lending carries real credit risk. You are lending to businesses — some will default. Your net return depends on the spread between interest earned and losses from defaults. Diversification across many notes is essential, not optional.
Investment Types on Funding Societies
Funding Societies offers several types of financing notes, each with different risk-return profiles and tenures. Understanding these categories helps you build a diversified portfolio that matches your risk tolerance.
Guaranteed Investment Notes (GIN)
The newest and lowest-risk product. Instead of picking individual borrowers, you invest into a note where Funding Societies describes the payments as "effectively guaranteed," with tenures up to 24 months. Available in conventional and Islamic (Shariah-compliant) structures. Note: "guaranteed" here is a platform-level commitment, not PIDM deposit protection — it is still a P2P investment, so read the specific note terms.
Typical returns: up to ~8% p.a. · Tenure: up to 24 months · Risk: Low (relative to other notes)
Business Term Financing
The most common note type. An SME borrows a fixed amount for a set period (typically 1-12 months) at a fixed interest rate. Repayments are made monthly with principal and interest. These notes fund working capital, inventory purchases, or short-term business expansion.
Typical returns: 10-14% p.a. · Tenure: 1-12 months · Risk: Medium
Invoice Financing
A business sells its outstanding invoices (money owed by its customers) to investors at a discount. Instead of waiting 60-90 days for payment, the business gets immediate cash. When the invoice is paid by the end customer, investors receive their capital back plus interest. Lower risk than unsecured term financing because there is an underlying receivable.
Typical returns: 8-12% p.a. · Tenure: 1-3 months · Risk: Medium-low
Micro-Financing
Smaller loans to micro-enterprises and sole proprietors. These notes fund businesses like food stalls, small retail shops, or freelance operators. Higher interest rates to compensate for higher risk — micro-enterprises have less financial resilience and higher default rates compared to established SMEs.
Typical returns: 14-18% p.a. · Tenure: 1-6 months · Risk: High
Accounts Payable & Dealer Financing
Supply-chain style notes. Accounts payable financing helps a business pay its suppliers earlier, while dealer financing supports distributors buying inventory from principals. These are typically anchored to an established buyer or supply relationship, which can provide more visibility on repayment than a standalone unsecured loan. Availability of any specific note type varies over time.
Typical returns: roughly 8-14% p.a. · Tenure: short (often 1-6 months) · Risk: Medium
Diversification strategy: Experienced P2P investors typically allocate across all note types — mixing lower-risk invoice and property-backed notes with higher-return term and micro-financing notes. This blends yield with stability. Never put all your capital into high-yield micro-financing notes regardless of how attractive the headline return looks.
How to Sign Up as an Investor
Registering as an investor on Funding Societies is straightforward. Use our referral link to be eligible for up to RM1,000 in bonus rewards. Here is the step-by-step process:
- 1Visit the Funding Societies website or download the mobile app from the App Store or Google Play. Use our referral link to qualify for the bonus
- 2Create your account with your email address and select "Investor" as your account type. You can also register as both an investor and a borrower
- 3Complete KYC verification — upload your MyKad (front and back) and provide your bank account details for withdrawals. Approval typically takes 1-3 business days
- 4Fund your wallet via FPX or bank transfer. The funds appear in your Funding Societies wallet and are ready to invest
- 5Browse available notes — review each note's borrower profile, risk grade, tenure, interest rate, and industry. Due diligence matters here
- 6Invest in your first note with a minimum of RM100. Aim to invest in at least 20-50 different notes to diversify your risk
Tip: When you first start, resist the urge to invest your entire capital into the first few notes you see. Take 2-4 weeks to build a diversified portfolio across different note types, tenures, industries, and risk grades. The platform regularly lists new notes, so there is no rush.
Fees & Charges
One advantage of Funding Societies is that investors pay zero fees on most standard operations. The platform makes its money from the borrower side — charging origination and service fees to businesses that take out loans. Here is the full breakdown for investors:
| Fee Type | Cost to Investor | Notes |
|---|---|---|
| Account registration | Free | No account fees |
| FPX deposit | Free | Instant via online banking |
| Investment in notes | Free | No commission on primary market |
| Secondary market sale | ~1% service fee | Fee charged when selling notes early |
| Withdrawal to bank | Free | Standard processing time 1-3 business days |
| Auto-invest | Free | No additional fee for automated investing |
Hidden cost to be aware of: While Funding Societies does not charge investors directly, the interest rates quoted on notes are the rates paid by borrowers after the platform takes its cut. This means the platform's spread is already factored into the returns you see. You are seeing the net rate, not the gross rate. This is standard across all P2P platforms.
Expected Returns vs Risk: The Full Picture
The headline returns on Funding Societies — up to ~18% per annum on term/invoice notes — sound attractive compared to fixed deposits (around 2.6-4% in 2026, after Bank Negara cut the OPR to 2.75% early in the year) or money market funds (~3-4%). But these headline numbers are gross returns before defaults. Your actual net return depends on how many of your notes default and how much is recovered.
Understanding Default Rates
Funding Societies does not publish a single, prominent platform-wide default rate that is easy to verify, and any figure you see quoted should be treated with caution. Industry commentary and the platform's own messaging suggest low-single-digit defaults on a total-volume basis, but that is not the same as your personal experience. The headline rate is calculated on total disbursement, not per investor — individual investors with concentrated portfolios (few notes, large amounts per note) can experience much higher personal default rates. Treat any quoted default rate as indicative, not a guarantee.
A more useful way to think about returns:
| Scenario | Gross Return | Default Impact | Net Return |
|---|---|---|---|
| Best case (diversified, low defaults) | 14% | -1-2% | 12-13% |
| Realistic case (well diversified) | 12% | -2-4% | 8-10% |
| Bad case (concentrated or unlucky) | 14% | -6-10% | 4-8% |
| Worst case (economic downturn) | 10% | -10-15% | -5% to 0% |
How Defaults Actually Work
When a borrower misses a payment, the note enters "late" status. If payments remain overdue for an extended period (typically 90+ days), the note is classified as "defaulted." At this point, Funding Societies initiates recovery actions — demand letters, negotiation, and potentially legal proceedings. Recovery can take months or even years. Some defaults eventually recover partially (30-60% of principal), while others result in total loss.
The critical insight: a single large default can wipe out months of interest earned. If you invest RM1,000 in one note at 14% for 6 months, you would earn RM70 in interest. If that note defaults with zero recovery, you lose RM1,000 — requiring 14 successful notes of the same size just to break even. This is why diversification across 50-100+ notes is not a suggestion — it is a necessity.
Critical risk warning: P2P lending is not a substitute for fixed deposits or savings accounts. Your principal is not guaranteed by PIDM or any government scheme. You can lose money. In an economic downturn, default rates can spike dramatically as businesses fail. Only invest money you can afford to lose entirely. A sensible allocation is 5-15% of your total investment portfolio, not 50% or 100%.
Funding Societies vs Other P2P Platforms in Malaysia
Malaysia has a handful of SC-registered P2P financing platforms (Recognized Market Operators). Here is how Funding Societies compares to the main alternatives. Figures are platforms' advertised headlines, not guaranteed net returns:
| Feature | Funding Societies | microLEAP | CapBay | Fundaztic | B2B Finpal |
|---|---|---|---|---|---|
| Best for | Diversified P2P investing | Shariah / micro-enterprise | Supply-chain / invoice | Retail, small tickets | Invoice / working capital |
| Scale | RM17B+ (SEA) | Smaller scale | RM1B+ disbursed | Early/long-running | Since 2017 |
| Min investment | RM100 | From RM10 | ~RM10k initial | Low (retail) | Low |
| Advertised returns | Up to ~18% p.a. | Up to ~18% p.a. | Up to ~12-14% p.a. | Varies by note | Up to ~12.6% p.a. |
| Shariah option | Yes (incl. GIN) | Fully Islamic | Yes | Limited | Yes |
| Auto-invest | Yes | Limited | Yes | Yes | Limited |
| Secondary market | Yes | No | Limited | Limited | No |
| Institutional backing | SoftBank, Peak XV, Khazanah, Maybank | Limited | Bank partnerships | Limited | Limited |
The short version: Funding Societies wins on platform maturity, product variety (including the newer Guaranteed Investment Notes), features (auto-invest, secondary market), and institutional backing. microLEAP is the pick if you want fully Shariah-compliant micro-enterprise lending and the lowest entry point (from RM10). CapBay leans into supply-chain and invoice financing but expects a higher initial commitment (around RM10k). Fundaztic and B2B Finpal are smaller, more niche players. For most investors wanting a single, well-resourced P2P platform, Funding Societies is the default choice in Malaysia.
P2P vs FD, Versa, StashAway and ASNB
P2P should not be compared only against other P2P platforms — for most Malaysians it competes with the safer, more liquid places to park cash. Here is the trade-off across returns, risk, liquidity and minimums:
| Option | Typical return | Risk | Liquidity | Minimum |
|---|---|---|---|---|
| Funding Societies (P2P) | ~8-12% p.a. net (realistic) | High (can lose principal) | Low (note tenure; secondary market not guaranteed) | RM100/note |
| Fixed Deposit | ~2.6-4% p.a. | Very low (PIDM-protected) | Low-med (early withdrawal forfeits interest) | ~RM500-1k |
| Versa / TNG GO+ (MMF) | ~3-4% p.a. | Low (not PIDM-insured) | High (near-instant) | RM1-10 |
| StashAway (robo, ETFs) | Market-linked (varies) | Medium (market risk) | Med-high (sell anytime, price varies) | No minimum |
| ASNB (e.g. ASB) | ~5-6% historical | Low (fixed-price funds) | Med (redeem to bank) | RM10 |
The pattern is clear: P2P offers the highest headline yield but carries the highest risk and the worst liquidity, and unlike an FD or ASB, your principal can be lost. FD, Versa and ASNB are where your emergency fund and core savings belong. P2P only makes sense as a small, risk-tolerant slice on top of that foundation.
Auto-Invest Feature: Hands-Off P2P Investing
One of the most practical features on Funding Societies is Auto-Invest. Instead of manually browsing and selecting individual notes (which can be time-consuming, especially when good notes get fully funded within hours), Auto-Invest lets you set criteria and the platform automatically invests on your behalf.
How Auto-Invest Works
You configure your preferences including:
- Risk grade: Which risk grades you are willing to invest in (A, B, C, D, or any combination)
- Note type: Term financing, invoice financing, micro-financing, property-backed, or all
- Amount per note: How much to invest in each note (e.g., RM100-500)
- Maximum tenure: The longest loan period you are comfortable with
- Minimum interest rate: Only invest in notes meeting your return threshold
Once configured, whenever a new note matching your criteria is listed, Auto-Invest automatically allocates your available balance. This is particularly valuable because popular notes on Funding Societies often fill up within hours of being listed. Manual investors frequently miss good notes simply because they were not online when the note was published.
Auto-Invest Strategy Tips
Conservative
Grade A-B only, RM100-200 per note
Prioritise invoice and property-backed notes. Lower returns (8-12%) but significantly lower default risk. Best for investors who want P2P exposure without excessive risk.
Balanced
Grade A-C, RM100-300 per note, all types
Mix across all note types. Expect 10-14% gross returns. Keep individual note sizes small to limit single-note exposure. This is the sweet spot for most investors.
Warning about Auto-Invest: It is easy to "set and forget" and stop monitoring your portfolio. Do not do this. Check your dashboard at least monthly to review default rates, recovery status, and whether your actual returns match expectations. Auto-Invest is a convenience tool, not a substitute for portfolio oversight.
Our Real-World Experience: Actual Returns and Defaults
After investing on Funding Societies for over two years with a diversified portfolio, here is what the experience actually looks like — no sugar-coating.
Portfolio Snapshot
| Total invested | RM25,000+ across 150+ notes |
| Average investment per note | RM150-200 |
| Gross interest earned | ~13% p.a. |
| Notes defaulted | 5 notes (3.3% of total) |
| Partial recovery from defaults | ~40% on average |
| Net return after defaults | ~9-10% p.a. |
What We Learned
Defaults are inevitable, not exceptional. With 150+ notes, we experienced 5 defaults. Each one was initially alarming, but when spread across a diversified portfolio, the impact was manageable. The key is that the interest earned from the 145+ performing notes more than compensated for the losses.
Recovery takes forever. When a note defaults, do not expect quick resolution. The recovery process can take 6-18 months. Some of our defaulted notes from early 2025 are still in "recovery" status. Write off the capital mentally when a note defaults, and treat any recovery as a bonus.
Cash drag is real. When repayments come in and you do not reinvest quickly, your cash sits idle earning 0%. This "cash drag" can reduce your effective return by 1-2%. Auto-Invest helps, but does not eliminate this entirely. Monitor your uninvested balance regularly.
The net return of 9-10% is solid but not spectacular. After accounting for defaults, the actual return is closer to 9-10% than the headline 13-14%. This is still significantly better than fixed deposits (3-4%) but it comes with real risk and effort. Decide if the extra 5-6% over FD is worth the illiquidity, default risk, and monitoring time.
Common Mistakes P2P Investors Make
After years of P2P investing and observing the Malaysian investor community, these are the six most common mistakes — and how to avoid each one.
1. Insufficient Diversification
The single most common and most costly mistake. Some investors put RM1,000-2,000 into just 3-5 notes, thinking they have "diversified." If even one of those notes defaults, they lose 20-33% of their capital in one blow. A RM5,000 portfolio spread across only 5 notes at RM1,000 each is an accident waiting to happen.
The fix: Invest a maximum of RM100-300 per note and spread across at least 50-100 notes. This way, a single default costs you only 1-2% of your portfolio. Diversify across note types, industries, risk grades, and tenures.
2. Chasing the Highest Returns
Grade D notes offering 18% p.a. look irresistible on paper. But there is a reason the rate is high — the borrower is higher risk. If you load your portfolio with high-yield micro-financing and Grade D notes, you will get more defaults that eat into (or exceed) the extra interest earned.
The fix: Mix your portfolio. A blend of 40% Grade A-B, 40% Grade B-C, and 20% Grade C-D gives you decent yields while keeping default rates manageable. Never put more than 20% of your portfolio in the highest risk grades.
3. Treating P2P as a Savings Account
Some investors move their entire emergency fund or savings into P2P because "it pays better than FD." This is dangerous. P2P notes have fixed tenures — your money is locked for 1-12 months. While the secondary market exists, you cannot guarantee a quick sale, especially for notes with lower grades or longer tenures.
The fix: Keep your emergency fund in a high-yield savings account or money market fund (like Versa or TNG GO+). Only invest in P2P with money you can afford to lock up for 6-12 months and potentially lose entirely.
4. Ignoring Cash Drag
Repayments come in monthly. If you do not reinvest them promptly, that cash sits in your wallet earning 0%. Over time, this "cash drag" silently reduces your effective annual return by 1-2%.
The fix: Enable Auto-Invest to automatically reinvest repayments into new notes. Check your wallet balance weekly and manually invest any idle cash that Auto-Invest has not allocated.
5. Not Tracking Actual Returns
Many investors look at their gross interest earned and assume that is their return. They forget to subtract defaults, late payments, and cash drag. The dashboard shows interest earned, but you need to calculate your true net return manually — factoring in every ringgit lost to defaults.
The fix: Maintain a simple spreadsheet tracking: total invested, total interest received, total defaults (net of recovery), and uninvested cash. Calculate your actual annualised return quarterly. If your net return is below 7%, re-evaluate your strategy.
6. Over-Allocating to P2P
P2P returns are attractive, and it is tempting to go "all in." But P2P is an illiquid, unsecured credit instrument. In an economic downturn, default rates can spike simultaneously across many borrowers, and your portfolio can take a significant hit at the exact moment you might need the money.
The fix: Limit P2P to 5-15% of your total investment portfolio. The rest should be in more liquid, diversified assets — stocks, ETFs, unit trusts, fixed deposits. Think of P2P as a satellite allocation, not a core holding.
Pros and Cons
Pros
- SC-licensed — proper regulatory oversight
- Largest P2P platform in Southeast Asia by disbursement
- Headline returns up to ~18% p.a. (gross) — significantly above FD rates
- Low minimum investment (RM100 per note)
- Multiple note types for diversification
- Auto-Invest feature saves time and reduces cash drag
- Secondary market allows early exit from notes
- Backed by SoftBank, Peak XV (formerly Sequoia India), Khazanah, Maybank, SMBC
- Zero fees for investors on primary market
- Transparent borrower information and risk grading
Cons
- Real default risk — you can and will lose money on some notes
- Principal is not PIDM-protected
- Illiquid — money locked for note tenure (secondary market helps but not guaranteed)
- Recovery from defaults is slow (6-18 months) and often partial
- Cash drag reduces effective returns if not managed
- Net returns after defaults lower than headline rates
- Good notes fill up fast — manual investors may miss opportunities
- Requires active monitoring and portfolio management
- Economic downturns can spike defaults across many notes simultaneously
Who is Funding Societies Best For?
- Investors seeking higher returns than FD: If you are comfortable with real credit risk and want 8-12% net returns (after defaults), P2P through Funding Societies is a viable alternative. Your money works harder than in a savings account, but it carries genuine risk.
- Portfolio diversifiers: If you already have stocks, ETFs, and unit trusts, adding 5-15% in P2P gives you exposure to private credit — an asset class with low correlation to public markets. When the stock market drops, your P2P returns continue (unless there is a broader economic crisis).
- Passive income seekers: The monthly repayments create a steady income stream. With a large enough portfolio (RM50,000+), you can generate meaningful monthly cash flow from interest payments. Auto-Invest keeps the machine running with minimal effort.
- SME supporters: If you believe in supporting Malaysian small businesses and want your investment to have a direct economic impact, P2P lending puts your money into real businesses — not just stock tickers on a screen.
- Investors with a 2-3 year horizon: P2P works best when you commit for at least 2-3 years, allowing returns to compound and defaults to be absorbed by the overall portfolio. Short-term investors (under 6 months) will find the illiquidity frustrating.
Who It Is (and Is Not) For
Funding Societies is a good fit for some investor profiles and a poor fit for others. Be honest about which cohort you belong to before committing capital.
Yield-seeking savers
You already have an emergency fund and FD/MMF cushion, and you want a slice of your money working harder than 3-4%. The lower-risk Guaranteed Investment Notes (up to ~8% p.a.) are the natural entry point here.
Experienced investors diversifying
You hold stocks, ETFs and unit trusts and want exposure to private credit — an asset class with relatively low correlation to public markets. A 5-15% P2P allocation adds diversification without dominating your portfolio.
SME supporters
You want your capital to fund real Malaysian small businesses rather than abstract tickers. P2P channels money directly into MSME working capital, invoices and supply chains — with a return for the risk you take on.
Risk-tolerant young professionals
Long horizon, stable income, and able to lock up money for 6-24 months without stress. You can ride out defaults across a diversified book and let the performing notes compensate. The RM100 minimum makes it easy to start small and learn.
Not for you if: you are risk-averse and would lose sleep over a defaulted note, or this money is your emergency fund or short-term savings. P2P principal is not PIDM-protected, notes are illiquid (the secondary market is not a guaranteed exit), and a downturn can spike defaults exactly when you need cash. If capital preservation or instant access matters, use a fixed deposit, ASNB, or a money market fund (Versa, TNG GO+) instead.
Frequently Asked Questions
Is Funding Societies licensed in Malaysia?▼
What returns can I expect from Funding Societies?▼
What is the minimum investment?▼
How does the referral program work?▼
What happens when a borrower defaults?▼
Can I withdraw my money before the note matures?▼
Is P2P income taxable in Malaysia?▼
Final Verdict: 4.0/5
Funding Societies is the most mature and feature-rich P2P financing platform available to Malaysian investors, with more than RM17 billion (about US$4 billion) disbursed across Southeast Asia and 200,000+ investors (self-reported). It offers genuine diversification beyond traditional assets, with realistic net returns of around 8-12% p.a. for well-managed portfolios — and the newer Guaranteed Investment Notes (up to ~8% p.a.) give cautious investors a lower-risk on-ramp. The Auto-Invest feature, secondary market, and institutional backing (SoftBank, Peak XV, Khazanah, Maybank) give it a clear edge over smaller competitors like microLEAP, CapBay, Fundaztic and B2B Finpal.
The full point deduction from a perfect score reflects the inherent risks of P2P lending: defaults are real and unavoidable, principal is not guaranteed, liquidity is limited, and the platform requires more active management than passive investments like index funds or unit trusts. It is not a set-and-forget product — you need to diversify properly, monitor defaults, and reinvest repayments.
Our recommendation: Allocate 5-15% of your investment portfolio to P2P via Funding Societies. Start with RM5,000-10,000, spread across 50+ notes using Auto-Invest, and give it at least 12 months before judging your results. Keep your expectations realistic — aim for 8-10% net, not the 18% headline figure. And never invest money you cannot afford to lose.
If you want to try Funding Societies, use our referral link for up to RM1,000 in bonus rewards when you start investing.
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Risk Disclaimer: Peer-to-peer lending involves significant risk including the potential loss of principal. Returns are not guaranteed. Past performance and historical default rates do not guarantee future results. P2P investments are not deposits and are not protected by PIDM (Perbadanan Insurans Deposit Malaysia). Only invest money you can afford to lose. This review is for educational and informational purposes only and does not constitute financial, investment, or legal advice. Consult a qualified financial adviser before making any investment decisions.
Disclosure: This page contains a referral link. We may receive benefits when you sign up and invest using our link. This does not affect our review — all opinions are based on real usage experience. We invest our own money on the platform.