Financial health, audited

Kira Dulu.
Baru Commit.

See the consequences before you commit. KIRA+ consolidates every BNPL plan and loan into one score you can audit -- then shows what a new purchase would cost it, before you make it.

Get started
KIRA score -- live preview
68MODERATE RISK
Monthly bufferRM950
After RM2,400 / 12 monthsRM750

How it works

Three steps, in order -- each one feeds the next.

01

Consolidate

List every BNPL plan and loan in one place -- the total picture no single provider shows you.

02

Score

Six published, weighted factors become one 0-100 KIRA Score -- every weight and formula shown.

03

Simulate

Try a purchase before you make it. See exactly what it costs your score and your monthly slack.

“I always know I can pay it. I just never know what happens if something goes wrong that month.”

AISYAH, 26

“I don't need an app to tell me I'm fine. I need one that tells me the month I stop being fine.”

DANIEL, 31