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 get?

Most of our lenders agree to lend RM 500 to RM 10,000.

What are your borrower requirements?

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

What if I have a bad credit score?

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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Material Disclosure

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.

Repayment Periods and Interest Rates

The loans offered on wangtambahan.com have a minimum repayment period of 91 days (three months) and a maximum of 180 days (six months). APRs range from 0% to 18%. Interest rates vary from lender to lender.

Collection Policy

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

wangtambahan.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

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.

Loan Extension Policy

If you wish to renew or extend your current loan, please contact your lender as soon as you can before your payment date. Although some lenders may extend your loan with the same terms as the original loan, each lender has their own extension policy and may charge additional fees or interest. Sometimes, renewals may be processed automatically. Please consider the decision to extend your loan very carefully and seek independent financial advice if necessary.
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