PERSONAL FINANCING - FIXED RATE PERSONAL LOAN

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    Transparent. Easy. Fast.

    KOWAJA has offered many loan and financing plans along with ongoing advisory and support services to members.

    For financing inquiries,

    013 222 7842

    Get KOWAJA Personal Financing-i with Fixed Rate as Low as 4.99% Per Year

    Financing Amount:
    RM3,000-RM150,000
    Financing Period:
    12 months-120 months
    Fixed Rates as low as 4.99% per year
    Easy Approval
    Fast Approval
    Money In 24 Hours
    No Down Payment
    No Guarantor Required
    Blacklist Can Apply

    Frequently Asked Questions

    What do I need to know about KOWAJA’s Financing?

    Principal Funding Amount
    RM3,000 - RM150,000

    Financing Period
    Minimum: 12 months (1 year); Maximum: 120 months (10 year)
    Annual Profit Rate
    Fixed Rate As Low as 4.99% Per Annum - subject to terms and conditions*

    The highest Annual Percentage Rate (APR) is set at 13.8%.
    Processing Fees
    RM100 one time charge only.
    Stamp Duty
    0.5% of the total financing.
    Annual Income
    1) RM18,000 or RM1,500 salary per month for government employees/ employees of Government-Linked Companies (GLCs)

    2) RM60,000 or RM5,000 salary per month for private employees
    Applicant Eligibility
    Malaysian citizens aged 19 to 60 years either in the sector:

    1) Government employees / government-related companies (GLC) - minimum working period of 6 months for permanent positions; contract staff at least one (1) time renewed contract position


    2) Private employee - working period of at least three (3) years

    *Blacklist can apply (subject to terms & conditions)
    Examples of Financing Calculations
    Approved financing of RM 10,000 for 1 year
    1) Principal financing amount: RM10,000
    2) Total profit: RM499
    3) Amount of financing to be repaid: RM10,499
    4) Total repayment months: 12 months
    5) Estimated monthly payment: Approximately RM875

    Eligibility

    Malaysian citizens:

    Aged 19 years to 60 years

    Working Period:

    Government Employees / Government Linked Companies (GLCs)

    Minimum 6 months (permanent status), at least one (1) renewed position (contract status) 

    Private Employee

    At least three (3) years with current company

    Minimum income:

    Government/Government Linked Companies (GLCs)

    RM1,500 per month

    Private

    RM5,000 per month

     
    1. What do I get from this financing?
    Amount of Financing: RM3,000 – RM150,000
    Financing Period: 12 months (1 year) – 120 months (10 years)
    Annual Rate: As low as 4.99% per annum

    * Terms & conditions apply

     
    2. What other charges do I have to pay?
    Processing Fees: RM100 one time charge only
    Stamp Duty: 0.5% of the total financing
     
    3. What does our successful customers Say

    Enjoy a better financing experience today

    For financing inquiries,

    03 4048 2111