Is this personal loan guaranteed to pass?
Nope. All applications are subject to review of eligibility, complete documents, verification, repayment ability and formal agreement terms.
Licensed Personal Loan — Various Needs
TW Kembara Enterprise Sdn Bhd provides licensed personal loan checking for customers who want to understand rates, charges, tenure and total repayment before making a decision. Each case is checked based on documents and repayment ability.
Why Many Customers Choose TWKembara Personal Loan?
30-Minute Initial Check
Initial review can be made after the basic information and documents are complete.
Clear License Information
KPKT WL2976 and company information is displayed for customer reference.
No Hidden Charges
All charges are explained before you sign. No surprises.
Reviewable Rejected Bank Cases
CCRIS or DSR will be viewed along with income, documents and ability to repay.
Personal Loan — Choose Based On Your Situation
Monthly Rate & Estimated Payment Schedule
1.5%/month
Fixed rate • APR 18% per year
| Loan Amount | 12 Months | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|---|
| RM 1,000 | RM92 | RM50 | RM36 | RM29 | RM25 |
| RM 3,000 | RM275 | RM150 | RM108 | RM88 | RM75 |
| RM 5,000 | RM458 | RM250 | RM181 | RM146 | RM125 |
| RM 10,000 | RM917 | RM500 | RM361 | RM292 | RM250 |
| RM 20,000 | RM1,833 | RM1,000 | RM722 | RM583 | RM500 |
| RM 50,000 | RM4,583 | RM2,500 | RM1,806 | RM1,458 | RM1,250 |
Estimate only. APR 1.5%–18%. The actual rate depends on the applicant's profile. Subject to approval. Service by TW Kembara Enterprise Sdn Bhd — KPKT WL2976.
Who Can Apply?
Malaysian Citizen
Valid MyKad holder.
Age 21 – 60 Years
Before retirement when making a loan.
Have a Permanent Job
Private employee, fixed salary, GLC or self-employed.
Min Salary RM 1,500
Fixed income goes into the bank account.
Reviewable Rejected Bank Cases
Cases will be assessed based on income, documents and ability to repay.
Problematic CCRIS OK
Imperfect credit record? WhatsApp us first.
💡 Not sure if you qualify? WhatsApp us now for a free eligibility check. No fee, no commitment. We will explain honestly.
Required Documents
Only 4 basic documents are required. Can send photos via WhatsApp — no need to come to the office.
1
Copy of MyKad IC
Both sides. Clear picture, no blur.
2
Latest Salary Slip
Last 1 to 3 months. Or 3 months bank statement if there is no salary slip.
3
Bank Statement
last 3 months — to verify income coming into the account.
4
Address Proof
Utility bill or official letter containing full name and address.
How To Apply For TWKembara Personal Loan
💬
WhatsApp or Fill Form
Press the WhatsApp button below or fill out the online form. Officers will assist with the initial review.
📄
Submit Document
Snap photos of IC, pay slip and bank statement. Send via WhatsApp for review.
✅
Check & Agree
We present charges, interest rates and payment schedules. You agree then we continue.
💰
Payment Process
After complete documents and consent are marked, the payment process continues subject to approval.
Customer Questions
Personal Loan FAQ Licensed
A short answer for customers who want to check their personal loan options clearly before WhatsApp or sending the form.
Can I apply if the bank has ever rejected?
Can be sent for review. Officers will look at income, documents, monthly commitments and ability to repay before giving further information.
What are the basic documents required?
Basic documents usually include MyKad, salary slip or proof of income, bank statements and employment information. Additional documents may be requested according to the applicant's profile.
How are rates and refunds explained?
The reference rate, charges, period and repayment amount should be explained before the customer makes an agreement. Estimates on this page are not final offers.