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Personal Loans Disclosures

The financing rates is 1.5% per month or 18% per annum. 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.
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Loan Term:

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.

Butir-butir Lesen yang Diperbaharui​

No. Pembaharuan Lesen : WL3694/10/01-11/021126
Sah dari                                : 3/11/2024
Hingga                                  : 2/11/2026

Butir-butir Permit​

No. Pembaharuan Lesen : WP3694/10/01-8/021126
Sah dari                                : 3/11/2024
Hingga                                  : 2/11/2026

Kadar Faedah dan Tempoh Pembayaran

Kadar Faedah:
APR daripada 12%-18%

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Tempoh Pembayaran:
6 Bulan - 60 Bulan.

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Contoh:
Jumlah kredit: RM5000.
Tempoh pembayaran: 6 Bulan.
Kaedah faedah: RM448.
Jumlah yang perlu dibayar: RM5448.

Waktu Bekerja dan Lokasi

Kadar Faedah:
APR daripada 12%-18%

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

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

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Waktu Bekerja:
Isnin - Ahad 
24 Jam
7 Hari

*Perjanjikan memberi pinjam wang hendaklah ditandatangani oleh semua pihak di alamat operasi syariakt.

GKH_Office

Loan Products Disclosures:

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1) What do i get from this product?

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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 hereunder 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.

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

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2) What other charges do I have to pay?

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

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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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