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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Important Information

Terms, Rates & Disclaimer

Important information before you apply for a loan through the TWKembara website.

1. Company Status

TW Kembara Enterprise Sdn Bhd ialah pemberi pinjam wang berlesen KPKT. Maklumat status rasmi KPKT dan rujukan syarikat boleh disemak melalui saluran rasmi berkaitan atau dokumen rujukan di pejabat kami. Kami tidak memaparkan butiran rujukan penuh di halaman awam supaya pelanggan merujuk maklumat rasmi yang terkini.

2. Rates & Fees

The website reference rate is 1.5% per month, equivalent to an APR of up to 18% per year. The actual payment may vary according to the loan amount, term, applicant profile, documents and final approval.

3. No Guarantee of Approval

All applications are subject to eligibility review, complete documents, verification and formal agreement terms. Phrases like "30-minute initial review" refer to an initial review after the document is complete, not a guarantee of approval.

4. No Hidden Charges

Rates, charges, duration, monthly installments and repayment amounts will be explained before the customer signs any agreement. Do not make payments to parties who cannot show official documents.

5. Applicant Responsibilities

  • Provide true and complete information.
  • Read all payment details before agreeing.
  • Make sure the loan is in line with repayment ability.
  • Contact us early if you have payment problems.

6. Official Contact Channels

WhatsApp rasmi: 018-396 3880. Telefon kedua: 018-396 3880. Alamat pejabat: 8-4, Commerce One, Lorong 2/137C, Jalan Klang Lama, 58200 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur.