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 Service - Licence No. WL2976 WhatsApp: 010-717 5157 Initial check depends on complete documents
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📋 All Loan Services

Choose The Right Loan For Your Needs

TWKembara offers four licensed loan enquiry options for different customer needs in Malaysia. All services are under KPKT licence WL2976, with clear explanation before agreement.

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Salary Loan
Based on payslip and income proof
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Loan enquiry based on payslip for private sector employees, fixed salary workers and GLC staff.

RM50k
Max Amount
30 min
Initial Check
1.5%
Monthly Rate
60 months
Max Tenure
✓ Private Sector ✓ Fixed Salary / GLC ✓ No Guarantor ✓ Min Salary RM1,500
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👤
Personal Loan
Bank reject cases can be checked
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Personal loan enquiry for different needs. Bank reject and CCRIS cases can be submitted for checking.

RM50k
Max Amount
30 min
Initial Check
1.5%
Monthly Rate
60 months
Max Tenure
✓ Bank Reject Check ✓ CCRIS Issues ✓ No Collateral ✓ Various Needs
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🏪
Business Loan
SME and business owners
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Working capital enquiry for SMEs, small traders and business owners. Checking is based on business documents and repayment ability.

RM50k
Max Amount
Fast
Initial Check
1.5%
Monthly Rate
60 months
Max Tenure
✓ Malaysia SME ✓ Small Traders ✓ Business Owners ✓ Working Capital
🏥
Emergency Loan
Urgent enquiry
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Emergency loan enquiry for urgent situations such as medical bills, accidents or unexpected needs.

RM20k
Max Amount
30 min
Initial Check
1.5%
Monthly Rate
36 months
Max Tenure
✓ Hospital Bills ✓ Accident ✓ Urgent Needs ✓ Complete Documents

Choose The Enquiry Path That Fits You Best

Start with the category closest to your situation. Our officer will explain documents, reference rates and next steps before any agreement.

How do I choose the right loan type?

Choose based on income source and purpose. Salaried employees can start with salary loan, while personal needs can be checked under personal loan.

Is every application guaranteed to be approved?

No. Every application depends on complete documents, eligibility checking, verification, repayment ability and official agreement terms.

Can I WhatsApp first before sending documents?

Yes. You may WhatsApp first for initial checking and ask what documents are usually needed before sending details.


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