Pinjaman 24

Fees and Commissions

Our loan matching service, pinjaman-24.com does not charge any fees for using money. The loan matching service operates transparently. We do not charge any commissions. Our service is free of charge to use.

Your lender sets the penalties 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 pinjaman-24.com. We are not a lender and never act as such. As a service, we only match borrowers and financial entities by offering a selection of lenders that provide cash loans up to RM10000 for a period of 91 days.

The lender will determine its own policies regarding loan provision and payment. The borrower agrees to the terms remotely directly on the lender’s website. You may choose to accept or decline the terms offered in the loan terms. Your agreement details the loan amount, currency, period of use for the funds, and your obligations.

pinjaman-24.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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Intermediary Responsibilities Policy

pinjaman-24.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. pinjaman-24.com is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As pinjaman-24.com is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 18%. Repayment periods for loan products usually range from three months (91 days) to six months (180 days). Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Collection Process

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 Nonpayment

If you cannot pay on time, each lender has their own policies on fees/interest and how they handle debt collection. Some lenders may explore legal options in the event of continued nonpayment. Most lenders will contact you by 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. Please read through the fees section on the lender’s website before proceeding to taking a loan.

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

pinjaman-24.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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