The full loan lifecycle in the Pinjocep app

Pinjocep gives a borrower a single secure home for everything to do with their loan. From the dashboard they can see active loans and outstanding balances, work through repayment schedules, and make payments — the screenshots run from a RM 1,180.00 instalment to an active RM 12,000.00 personal loan and the settings that sit behind a borrower's profile.

Because it's the app for a licensed lender, the surface is deliberately serious: secure sign-in with two-factor authentication, in-app notifications, and easy access to the legal policies, risk disclosure, and help content a borrower needs to make an informed decision.

The app covers the full loan lifecycle end to end. A borrower creates an account, submits and tracks a loan application, and completes onboarding — identity verification (eKYC) and document uploads — before digitally signing their loan agreement in-app. From there they can view balances and repayment schedules, make repayments, and request early settlement, with attestation meetings and related actions handled along the way.

It's built with React Native and Expo, in TypeScript, and released through EAS to both stores. The engineering job was to make a regulated, multi-step financial process feel calm and legible on a phone — where every state, from application status to a signed agreement to a settled loan, has to be unambiguous. Terms on the listing run 6–24 months with a maximum interest of 18% per annum flat rate; the app explicitly does not offer short-term loans due within 60 days.