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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.

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