All loan products are subject to approval | APR 1.5% - 18% | Service by TW Kembara Enterprise Sdn Bhd - licensed and subject to eligibility checks
KPKT Licensed Lending Service - KPKT licensed WhatsApp: 018-396 3880 Initial check depends on complete documents
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🏢 Private Sector Employees

Salary Loan for Private Sector Employees

Working in a private company, factory, office or service industry? The review is based on payslip, bank statement, documents and repayment ability.

RM50k
Max Loan
30 min
Initial Review
1.5%
Rate/Month
RM1.5k
Min Salary
💬 WhatsApp — Check Eligibility 📞 018-396 3880

Who Is Suitable?

🏢
Private Company Employees

Factory, shop, office, F&B, retail and service industry workers.

💵
Minimum Salary RM 1,500

Salary credited to a bank account every month.

📅
Minimum 3 Months Employment

At the current employer as document reference.

🇲🇾
Malaysian Citizen

Valid MyKad, age 21-60.

📋 Loan Details
Loan RangeRM 1,000 - RM 50,000
Interest Rate1.5% / month (APR 18%)
Tenure12 - 60 months
Initial Review30 Minutes
Minimum SalaryRM 1,500 / month
Guarantor / CollateralNot required for basic checking
KPKT StatusOfficial status can be checked

FAQ

An initial review can be made if payslips or bank statements show regular monthly income. The result still depends on documents and repayment ability.

Not always. Payslips and bank statements usually help the initial review. The officer will tell you if extra documents are needed.

A common reference is at least three months at the current workplace so there is a consistent salary record to review.

MyKad, latest payslip, salary bank statement and employer information are usually needed for the initial review.

Other Products ← All Salary Loans💼 Fixed Salary / GLC👤 Personal Loan
Related Guidance

Salary Loan Based On Payslip And Bank Statement

For private sector employees, fixed salary staff, GLC employees, factory workers and customers paid through bank transfer.

Loan Topics
Pinjaman gaji Malaysia Slip gaji Penyata bank gaji Pekerja swasta
Important Points
  • A responsible check reviews documents, income, monthly commitments and total repayment before the customer agrees.
  • Payslips and bank statements help officers review income, allowances, overtime and commitments.