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 make a loan enquiry through the TWKembara website.

1. Company Status

TW Kembara Enterprise Sdn Bhd is a KPKT-licensed money lender. Its official KPKT status and company reference details can be checked through relevant official channels or against reference documents at our office. We do not publish full reference details on the public page so customers can rely on the latest official information.

2. Rates & Charges

The website reference rate is 1.5% per month, equivalent to APR up to 18% per year. The actual repayment may vary according to loan amount, tenure, applicant profile, documents and final outcome.

3. No Approval Guarantee

All enquiries are subject to eligibility checks, complete documents, verification and formal agreement terms. Phrases such as "30-minute initial check" refer to an early review after complete documents are received, not a guarantee of approval.

4. No Hidden Charges Before Explanation

Rates, charges, tenure, monthly instalment and total repayment should be explained before a customer signs any agreement. Do not pay any party that cannot show official documents or clear terms.

5. Customer Responsibility

  • Provide true and complete information.
  • Read all payment details before agreeing.
  • Make sure the loan is suitable for your repayment ability.
  • Contact us early if you face repayment difficulty.

6. Official Contact Route

Official WhatsApp: 018-396 3880. Office address: 8-4, Commerce One, Lorong 2/137C, Jalan Klang Lama, 58200 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur.