- Cepat Kelulusan
- Senang permohonan
- Bercagar dan privasi
Mendapatkan pinjaman yang paling mudah dan tepat melalui pinjaman peribadi kami. Sila layari panduan mudah di bawah dengan jaminan kelulusan yang cepat serta pelbagai struktur pembayaran semula.
Direka bentuk untuk memenuhi keperluan individu anda, seperti kesempitan wang untuk pengubahsuaian rumah, pendidikan, pembayaran balik kad kredit dan sebagainya.
- Slip gaji 3 bulan terkini
- Penyata bank 3 bulan terkini (akuan simpanan atau semasa)
- Salinan kad pengenalan
- Bil electrik & air terkini
- Penyata KWSP terkini
Pinjaman dari 10,000 hingga 1,000,00, Cagaran diperlukan (eg. harta benda, perumahan, kedai, geran tanah)
Diperkenalkan untuk memenuhi keperluan orang yang berniaga. Pinjaman korporat kami cepat diluluskan, mudah sekali dan amat boleh dibiayai.
Ia dapat membantu anda mendapatkan wang tunai dan menyelesaikan masalah dengan segera.
- Form 24/49
- M&A (Memorandum Of Article & Association)
- S&P agreement asal
- Perjanjian Pinjaman
- Cukai tanah & pintu
Terms and Conditions
IMPORTANT - PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE AND/OR USING THE ONLINE SERVICES, YOU AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS. IF YOU DO NOT ACCEPT ANY OF THESE TERMS OR CONDITIONS, YOU MUST IMMEDIATELY DISCONTINUE YOUR ACCESS OF THIS WEBSITE AND/OR USE OF THE ONLINE SERVICES.
You understand and agree that your use of the Website is at your own risks and we shall not be responsible or liable to you for any expenses, losses, costs damages, liabilities or other consequences of whatsoever nature (collectively “Losses”) suffered or incurred directly or indirectly by you, including without limitation, any Losses suffered or incurred directly or indirectly by you arising from or in connection with or caused by:
Loan Application & in-principal-approval of loan
Any loan apply through phone or our website is consider Loan In-Principal-Approval. In-principal-approval does not constitute a guaranteed approval of your loan.Pinjaman Kelantan reserve the right to adjust the loan amount applied for or reject the loan at our sole discretion.
When you apply for a loan or using our online services you confirm that all the information you have provided is true and complete.
Personal information you provide to us through online services / applying a loan facility.
1. You authorise us to do a relevant Credit Check or 3rd party check & provide necessary information to third parties who provide services to Pinjaman Kelantan in connection with the provision of the services which you have sought fromPinjaman Kelantan.
2. We may be required from time to time to disclose your personal information to Governmental or judicial bodies or agencies or our regulators, which we will only be exercised under proper authority.
Overdue & outstanding loan
Pinjaman Kelantan have reserves the right to engage an external debt collector and/or any reasonable legal resources to recover any money owing by you.
Repeated defaulted and/or late payment/s will be reflected in Credit Bureau(CB) records. This information may be supplied to other organisations by CBs and fraud protection agencies to perform similar checks and to trace your whereabouts and recover debts that you owe. Records remain on file for seven years after they are closed, whether settled by you or defaulted. Finally, your credit rating will be hit hard and you probably would not be able to borrow from any agencies/institutions again.
None of these things are worth risking, so if you have doubts about whether you’ll be able to comfortably repay a loan, please refrain from applying.
Collection of Personal Information
Your visit to this site may be recorded for analysis on the number of visitors to the site and general usage patterns.
Marketing Promotions that your personal information we collected from this site.
Such personal information collected from individuals who voluntarily provided us may be used for marketing promotions.
We may use this information to advise them of services and other marketing materials, which we think may be of interest to all parties.
If you do wish to receive email or promotional sms, you will always have an opportunity to opt-out.
Please contact our Customer Service Hotline. We will then, at no cost to you, act on your request within 14 days and ensure that you are not included in subsequent marketing promotions.
If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention authorities.
Law enforcement authorities may access and use this information.
- There is no administration fee charged for processing your loan application.
- Default Annual Percentage Rate(APR) would be 12%, however APR may vary based on the Borrower &/or the Surety(ies) credit records.
- An Acceptance fee will be charged upon approval of loan based on the loan amount.
- Late Fee will be RM300 per late payment.
- Late Payment Interest shall be at the rate of 120% per annum plus the interest rate applicable to your loan.
- If you tender a cheque as payment, which is dishonoured. A handling fee of RM100 will be charged for return/dishonoured cheque.
- For Default payment, all legal fees and miscellaneous charges incurred to recover the loan amount of the loan contract will be fully borne by the Borrower &/ or the Surety(ies).
- A processing fee of RM10 shall be applicable for each request for a statement setting out your past transactions, contract or receipt. Other fees may be applicable for additional services provided by us.
- Other fees may be applicable for additional services provided by us, and may be change from time to time without prior notice.
These Terms and Conditions are governed by and construed in accordance with the laws of the Malaysia. By accessing this website and/or using the online services, you agree that such access and/or use, as well as these Terms and Conditions of Access shall be governed by, and construed in accordance with, the laws of Malaysia and you agree to submit to the non-exclusive jurisdiction of the Malaysia courts.
Pinjaman Kelantan reserves the right, at its sole discretion, to change, modify, add or remove any part (terms & conditions ) of this site in whole or in part, at any time.