Wangtambahan

How Does It Work?

wangtambahan.com is a web platform that helps you find loans. Loans up to RM 10000 are issued for a period of 3 months to citizens of Malaysia aged 20 or older. The loan amount depends on the terms set by your lender . We cannot guarantee that each lender will offer you a loan for the maximum amount with the longest repayment period.

The main requirements to the borrowers are:

  • Legal citizenship in Malaysia
  • 18–65 years of age
  • A valid SSS or TIN, and UMID card
  • Any form of income (official or unofficial)

Generally, it can take up to 30 minutes to apply and get a decision. All you need is specify how much you would like to borrow and for how long, fill out a basic form (name, ID, etc.), and send it through our platform. We will give you a list of institutions who have a pre-approved loan for you. Next, you choose a loan and read through the terms and conditions. If you decide to agree to the terms, the lender will send the funds to your account or credit card. You can complete your loan application at any time, there are no obligations to commit to anything.

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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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