top of page
About Us

At GKH Express, we understand that sometimes you face unexpected financial needs. That's why we are here to provide easy and reliable loan solutions.

GKH Express is committed to offering more than just a loan – we provide a seamless, transparent and fully customized experience for you. Your trust is our top priority; that’s why we strive to ensure your satisfaction and financial well-being are always maintained. With our team of experts, you will navigate your loan journey with confidence and comfort. Our commitment is reinforced by competitive rate offerings, repayment flexibility, and superior customer service from start to finish.

What is a KPKT License Loan?

According to the Moneylenders Act 1951, Moneylender and Pawnbroker company licenses in Malaysia are issued by the Moneylender and Pawnbroker Division, KPKT (Ministry of Housing and Local Government). It is not issued by Bank Negara Malaysia.

For more information, please visit,

https://www.kpkt.gov.my/index.php/pages/view/175

Our Company License:

WL3694/10/01-11/021126

Why do you choose GKH Express?

Full Transparency

Loan information, terms, fees and repayment schedules are explained openly before receipt of funds.

Fast Approval

Algorithmic technology processes applications efficiently, suitable for urgent funding needs.

Easy Access

Accepting applicants with limited or no credit history through flexible qualifications.

Flexible for Freelancers

Helps manage irregular cash flow, ideal for gig workers and entrepreneurs.

Digital Application

100% online process - apply anytime anywhere with an internet connection.

Credit Recovery

Helps maintain a positive credit record through consistent payments.

Solve Your Needs with Fast Financing. Take the First Step
– Apply Now! Get Your Cash – ONLY 1 HOUR!

Personal Loan Disclosures

The financing rates are 1.5% per month or 18% per annum. The tenor of the financing offered is between 90 days and 5 years. As a representative illustration, for a RM10,000 loan amount borrowed for 1 year at an annual interest rate of 18%, the total repayment amount at the end of the tenure is RM11,800.

Loan Terms:

Minimum 90 days. Maximum 60 months.
Maximum Annual Percentage Rate (APR) is 18%

Loan calculation example:
Mr. Tan registered to borrow RM5,000 for 3 months (90 days).
Tan's overpayment is only RM5,000 x 90 x 0.05% = RM225.
Full payment is RM5,000+RM227.50 = RM5,225.
Tan's monthly payment is only RM5,225/3 = RM1,741.67.

Renewed License Details

License Renewal No. : WL3694/10/01-11/021126
Valid from : 3/11/2024
Until : 2/11/2026

Permit Details

License Renewal No. : WP3694/10/01-8/021126
Valid from : 3/11/2024
Until : 2/11/2026

Interest Rate and Payment Period

Interest Rate:
APR from 12%-18%

Payment Period:
6 Months - 60 Months.

Example:
Total credit: RM5000.
Payment period: 6 Months.
Interest method: RM448.
Amount to be paid: RM5448.

Working Hours and Location

Interest Rate:
APR from 12%-18%

Office Location:
34, Jalan SG 1/5, Taman Sri Gombak,
68100 Batu Caves,
Selangor, Malaysia.

Office: +603-61778386
WhatsApp/Tel. : +6017-633 8626

Working Hours:
Monday - Sunday
24 Hours
7 Days

* The loan agreement must be signed by all parties at the company's operational address.

GKH_Office.jpg

Loan Product Disclosures:

1) What do I get from this product?

Interest/Profit Rate
Approximately 3.99% per annum to 14.78% per annum (flat rate). (Effective Interest/Profit Rate:
Approximately 7.40% per annum to 24.37% per annum based on 5 Years Financing tenure).
The Interest/Profit Rate quoted and/or prescribed by the company below is subject to the GKH Express's right to vary the same at any time and from time to time with prior notice to you.

Total Interest/Profit
Financing Amount (RM) × Interest/Profit Rate (%) × Tenure (Years).
Example: Financing Amount: RM20,000, Interest/Profit Rate: 10.68% pa, Tenure: 5 Years.
Therefore Total Interest/Profit = RM20,000 × 10.68% pa × 5 Years = RM10,680.

2) What other charges do I have to pay?

Stamp duty (0.5%) on total approved financing amount, to be deducted from financing amount.

Unless otherwise specified herein, our charges exclude any current taxes and future taxes that may be imposed (including the Sales and Services Tax (“SST”), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, we will be entitled to recover such taxes from you.

COPYRIGHT © 2025/26 GKH Express ALL RIGHTS RESERVED.

bottom of page