Wangtambahan

Fees and Commissions

Our website, wangtambahan.com, does not charge any commissions for using money. The loan matching service operates with full integrity. We do not take any interest or fees. Our services are completely free for you to use.

Your lender outlines the fees for late payments in your contract. Lenders in Malaysia set their own interest rates and penalties for late repayments.

It is important to note that all financial relationships are between you and your lender, not wangtambahan.com. We are not a lender and never act as such. As a service, we only match borrowers and financial institutions by offering a selection of lenders that provide cash loans up to RM10000 for a period of 3 months.

The lender will determine its own policies regarding loan provision and payment. The user agrees to the terms remotely directly on the lender’s website. You may choose to accept or decline the terms offered in the loan agreement. Your agreement details the loan amount, repayment period, daily interest rate, fees, and penalties.

wangtambahan.com cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your lender directly through the means of communications detailed on their website.

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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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