Financial literacy and credit referral
Doh Torl helps you understand how credit, fees and repayment work, and shows what a loan really costs before you apply. When you are ready, we refer you to a licensed partner we have already vetted.
We explain and refer. We never lend.
Doh Torl does
- 01Teach how credit, fees and repayment work
- 02Show what a loan really costs, before anyone applies
- 03Refer people to vetted, trusted partners
- 04Stand behind who we refer to
Doh Torl does not
- 01Lend money
- 02Approve, price or decide anyone's loan
- 03Collect repayments or chase debt
- 04Refer to anyone we have not vetted
- 01
Learn first
A short guide for each financing type, in plain language. What it is, what it costs, and who it suits.
- 02
See the real cost
Enter an amount and a term. We show the total in dollars you would repay, for every partner.
- 03
Choose, and we hand you over
When you pick a partner, we tell you beforehand who will contact you and how soon. From there the conversation is yours and theirs.
The financing types we cover
The cheapest option is usually the one closest to money you have already earned. We order everything that way.
- 01
Earned wage access
Draw pay you have already worked for, before payday
Who it suits: Salaried staff at an employer that offers it
Read the guide - 02
Salary advance
A short advance against your next pay
Who it suits: Salaried staff with regular income
Read the guide - 03
Micro-loan
A small emergency or working-capital loan, weeks not months
Who it suits: Irregular earners, micro-vendors
Read the guide - 04
Installment loan
A larger amount repaid over several months
Who it suits: People with steady income and a planned expense
Read the guide - 05
Buy now, pay later
A purchase split into a few payments
Who it suits: Shoppers at partner merchants
Read the guide - 06
Business working capital
Financing for a small business
Who it suits: Registered MSMEs with revenue
Read the guide
The product
Real screens from the working product. Khmer first, fee before amount, and nothing that rushes you.
- 01
Learn before you borrow
The app opens on literacy, not a loan. Short guides on how credit, fees and repayment work — the same ones on this site.
- 02
See what you can take
Your available amount, plainly. One button, no countdowns, no "limited offer".
- 03
The total before you commit
What you will repay, in dollars, above the fold. When it comes out of your pay, and that nothing else is charged.
- 04
Repay early, track your health
Upcoming repayments in one list, pay early with no penalty, and a credit-health view that grows with you.
Also runs as a mini app inside TrueMoney. Same screens, same rules, nothing to install.
- 01
Readiness check
Six questions. Tells you whether you are likely to qualify yet, and what to fix if not. Nothing is stored.
Start the check - 02
What it costs
Total repayment for any amount and term, every partner side by side.
Calculate - 03
Before you borrow
The questions to ask any lender. Printable, shareable, and useful even if you never use our referral.
Open the checklist
We stand behind who we refer to
A partner is listed only if it is properly licensed, discloses its full cost before signing, and has no coercive-collections record. We review quarterly and remove a partner the day it fails the standard.
Read how we vet partners