Who is suitable for a payday loan review?
Payday loans are suitable for employees who have a fixed income, payslips or proof of income and clear bank statements.
TWKembara Salary Loan — What You Need To Know
A salary loan is assessed based on your monthly payslip It is suitable for private sector, fixed salary and GLC employees. TWKembara reviews repayment ability fairly and explains a repayment schedule suitable for your income.
Products By Worker Type
Rate & Monthly Repayment Table
1.5%/month
Fixed rate • APR 18%/year
| Monthly Salary | Qualified Estimate | 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 based on general eligibility. Actual amount depends on individual profile. APR 18%. Subject to approval. KPKT WL2976.
Salary Loan Eligibility Requirements
Malaysian Citizen
MyKad is valid. Aged 21–60 years.
Minimum Salary RM1,500
Fixed income goes into the bank account every month.
Private Employees / Fixed Salaries
Any registered company, GLC or permanent employment.
Minimum 3 Months Employment
At the current workplace. A recent pay slip is required.
How To Apply For Salary Loan
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WhatsApp Us
Send a message to 010-717 5157. Tell how much you want to borrow and how much monthly salary.
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Submit Salary Slip + IC
Snap a picture of IC and the latest salary slip. Send via WhatsApp. 3 months bank statement is also required.
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We Check & Explain
We will do an initial calculation and explain the rates, charges, duration and monthly payments.
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Payment Process
After agreeing and complete documents, the payment process continues subject to approval.
Customer Questions
Salary Loan FAQ Licensed
Brief information for employees who want to understand basic requirements, documents and review steps before contacting an officer.
Is minimum wage required?
The general reference of this site is a minimum salary of RM1,500 per month. Actual eligibility remains dependent on documents, commitment and ability to repay.
How long can advance checks be made?
Initial review can be done after the basic information and documents are complete. The actual duration depends on document verification and the circumstances of each application.
Is a guarantor or collateral required?
A guarantor or collateral is usually not required for the basic review, but the application remains subject to the applicant's profile and the terms of the official agreement.