Pinjaman 24

FAQs

What is pinjaman-24.com?

pinjaman-24.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.

Is it true that pinjaman-24.com is totally free? Do you charge anything to use your website?

pinjaman-24.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 money will I get?

pinjaman-24.com finds and compares loan offers from the best lenders in Malaysia. Our partners offer loans ranging from RM 500 to RM 10,000 with a variety of repayment options.

What information do I need to apply with a lender?

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

I have a poor credit history. Can I apply?

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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Intermediary Responsibilities Policy

We represent Fininity Ltd, which acts a credit broker. We are not a lender. pinjaman-24.com does not directly offer any type of loans or consumer loan products.

Repayment Periods and Interest Rates

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 Policy

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Consequences of Default

pinjaman-24.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 think you won’t be able to make a payment on time, then it is important to contact your lender beforehand. Your lender may offer to extend or renew your loan. Keep in mind, however, that this will accrue additional interest. Your lender may charge a fee for late payments. The amount is determined by the lender, so please read the loan terms before agreeing. Late payments may also negatively affect your credit score.

Extension Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.
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