Who is suitable for a salary loan enquiry?
Employees with fixed income, payslips or income proof and clear bank statements can request an initial review.
TWKembara Salary Loan - What You Should Know
A salary loan review looks at monthly income, payslips, bank statements and current commitments. It suits private sector employees, fixed-salary workers and GLC employees who want an initial check before deciding.
Choose By Employee Type
Rate & Monthly Payment Guide
1.5%/month
Fixed rate - APR 18%/year
| Monthly Salary | Estimated Range | 12 Months | 24 Months | 36 Months | 48 Months |
|---|---|---|---|---|---|
| RM 2,000 | Up to RM 5k | RM 458 | RM 250 | RM 181 | RM 146 |
| RM 3,500 | Up to RM 10k | RM 917 | RM 500 | RM 361 | RM 292 |
| RM 5,000 | Up to RM 20k | RM 1,833 | RM 1,000 | RM 722 | RM 583 |
| RM 8,000 | Up to RM 35k | RM 3,208 | RM 1,750 | RM 1,264 | RM 1,021 |
Estimate only. The actual amount depends on documents, commitments, repayment ability and official terms.
Salary Loan Eligibility Requirements
Malaysian Citizen
Valid MyKad and age 21-60.
Minimum Salary RM 1,500
Fixed income credited to a bank account every month.
Private Sector / Fixed Salary
Registered company, GLC or fixed-salary employment.
Minimum 3 Months Employment
Latest payslip and bank statement are needed for checking.
How To Apply For A Salary Loan
💬
WhatsApp Us
Send a message through the official WhatsApp. Tell us the amount you want to check and your monthly salary.
📄
Send Payslip + MyKad
Prepare MyKad, latest payslip and 3-month bank statement so the officer can review more accurately.
✅
We Check And Explain
The officer explains rate, charges, tenure, documents and estimated monthly payment before you agree.
💰
Process After Agreement
If suitable and documents are complete, the process continues subject to review, approval and official agreement.
Customer Questions
Salary Loan FAQ Licensed
Short answers for employees who want to understand basic requirements, documents and the initial checking process before contacting an officer.
Is there a minimum salary?
This page uses RM1,500 monthly salary as a general reference. Actual suitability still depends on documents, commitments and repayment ability.
How long does the initial review take?
The initial review can start once basic information and documents are complete. Actual timing depends on document verification and each case.
Do I need a guarantor or collateral?
A guarantor or collateral is usually not required for basic checking, but the application still depends on the applicant profile and official agreement terms.