Wangtambahan

Frequently Asked Questions

What is wangtambahan.com?

wangtambahan.com is a loan platform that helps individuals find and apply for loans from a network of trusted and licensed banks and lenders in Malaysia. We make it easy to compare loan options, ensuring that you find the most suitable financial solution for your needs.

How much does it cost to use wangtambahan.com?

wangtambahan.com is completely free. We don’t charge any upfront fees, and our offers are non-binding, so you are always in control.

How does the loan application process work?

1. Apply online in just minutes. 2. Receive multiple personalized offers from lenders. 3. Choose your preferred offer and have the funds sent directly to your bank account.

How do I get the money?

You will receive the money in your bank account that you provided. Once our partner transfers the money, they will inform you with an SMS.

How long does it take to get approved?

Our partners will process your application within a few minutes or hours during their working hours. If you apply at night, they will process your application the next day.

How much can I borrow?

Your individual circumstances will affect exactly how much you can borrow. The amount may differ from lender to lender, but it typically runs from RM 500 to RM 10,000.

What kind of requirements are there to apply for a loan online?

When applying directly with a lender, you may need to provide the following information: Your Malaysian ID number (MyKad), Your mobile number, Your online banking details

Will they give me a loan if my credit history is not perfect?

Yes, we understand that everyone faces financial challenges at times, and we consider applications from individuals with various credit histories. However, a good credit history will increase your eligibility and loan amount.

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Responsible Lending Policy

We represent Fininity Ltd, which acts a credit broker. We are not a lender. wangtambahan.com does not directly offer any type of loans or consumer loan products.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on this website through Fininity Ltd have a minimum repayment period of 91 days (three months) and a maximum of 180 days (six months). Our repayment periods are typically 91 days. Rates vary from 0% to 18%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you.

Collection Process

Most lenders will contact you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Consequences of Nonpayment

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Late Payments

If you are unable to repay within the loan period, you need to contact your lender right away. Lenders may charge a fee for late payments, which averages about 0.03% of the amount owed for personal loans and credit cards. Please remember that you will likely incur additional fees if you pay late or not at all, which could add up. For more information about late payment fees, please contact your lender directly and be sure you have read the terms in your loan agreement.

Extensions

wangtambahan.com does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.
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