Salaried Employee
A private sector employee with regular monthly salary and supporting income documents may contact us to check eligibility for a licensed personal loan.
KPKT Licensed Moneylender
HEAP HOE CREDIT COMPANY
Licensed Money Lender in Penang
Heap Hoe Credit Company is a KPKT licensed moneylender in Seberang Jaya, Penang.
Our office is on the first floor above Jom Banana Leaf. Ask about documents before visiting.
Serving Seberang Jaya, Perai, Butterworth and Bukit Mertajam in Pulau Pinang.
KPKT Licensed
Seberang Jaya Office
Clear Document Review
Before You Apply
Before You Apply
All applications are subject to eligibility, documents, verification and company approval.
KPKT Licensed
Official Google Profile
Customer Reviews
Seberang Jaya Office
Official Company Verification
Verify Heap Hoe Credit Company
Use these official facts to verify any caller, message, advertisement, website or social media account claiming to represent HEAP HOE CREDIT COMPANY.
CompanyHEAP HOE CREDIT COMPANY
Current KPKT LicenceWL4077/07/01-12/280928 — valid through 28/09/2028
Previous KPKT LicenceWL4077/07/01-11/280926 — valid 29/09/2024 - 28/09/2026
Only Official Office9, Lebuh Tenggiri 2, First Floor, Above Jom Banana Leaf, Staircase beside restaurant, Bandar Sunway, Seberang Jaya, 13700 Perai, Pulau Pinang
Official Phone / WhatsApp04-2404533
Branches and AgentsNo branches in other states and no outside agents or representatives offering loans nationwide
If any detail does not match, do not transfer money or submit documents. Verify it directly through 04-2404533, heaphoecredit.com, or our approved Seberang Jaya office before proceeding.
Full official verification record · Current loan eligibility answers · Company and licence details · Loan scam warning · How to avoid loan scams · 中文防诈骗指南
Licence information reviewed: 1 October 2026
Official Nationwide Warning
Company Name Misuse, Scams and Unlicensed Moneylending
Heap Hoe Credit Company has received reports of third parties misusing our company name in different parts of Malaysia. These parties may be scammers or unlicensed moneylenders (“Ah Long”) and are not connected with our company.
We do not appoint outside agents or representatives to offer loans nationwide, and we do not have branches in other states. Official moneylending transactions are handled through our approved office in Seberang Jaya, Penang.
No upfront payment or advance fee is required for an initial enquiry or eligibility check. Do not transfer money, submit documents or follow payment instructions before verifying the person directly through 04-2404533 or heaphoecredit.com.
If someone is using our name without permission, preserve the phone number, messages, advertisements and payment details as evidence and report the matter to PDRM.
OFFICIAL ENQUIRY
Initial Eligibility Check
Fill in your basic details. Our team will contact you through official channels for document and eligibility checking.
All enquiries are subject to document review, verification and company approval.
Customer Scenarios
Common Customer Scenarios
Examples of common enquiry situations. All applications remain subject to eligibility, documents, verification and company approval.
Factory Worker
Factory workers with stable salary records and documents may enquire about personal loan options, subject to verification and company approval.
Pensioner
Pension income applicants may contact Heap Hoe Credit Company to understand the documents usually required for review.
Company Verification
Licensed by KPKT
CompanyHEAP HOE CREDIT COMPANY
KPKT License NoWL4077/07/01-12/280928
Validity29/09/2026 - 28/09/2028
Previous KPKT LicenceWL4077/07/01-11/280926
Previous Licence Validity29/09/2024 - 28/09/2026
Official KPKT Address
NO 9, TINGKAT 1,
LEBUH TENGGIRI 2,
BANDAR SEBERANG JAYA,
13700 SEBERANG PERAI
The current KPKT licence is WL4077/07/01-12/280928, valid from 29/09/2026 to 28/09/2028. The previous licence WL4077/07/01-11/280926 was valid until 28/09/2026.
Personal Loan Services
Personal Loan Services for Salaried Applicants
Our main focus is personal loan enquiries for applicants with stable monthly income and supporting documents. We explain the general process clearly so customers can prepare before review.
For Bahasa Melayu enquiries, see our pinjaman wang guide or Seberang Jaya office, eligibility and directions.
Who We Serve
Serving Seberang Jaya, Perai, Butterworth and Bukit Mertajam
We also accept enquiries from Juru, Chai Leng Park, Permatang Pauh, Raja Uda and Kulim. See our area enquiry guide for Juru, Bukit Mertajam, Butterworth, Kulim and nearby areas before planning a visit. These are enquiry areas, not branch locations; formal processing remains at our Seberang Jaya office.
For enquiries from Jawi / Sungai Jawi or Sungai Dua (Seberang Perai), read the area guidance before arranging a visit to our Seberang Jaya office.
Suitable for
- Salaried employees
- Government employees
- Private sector employees
- Factory workers
- Pensioners / pension income applicants
- Applicants with regular monthly income and supporting documents
Check Before Enquiring
- Business loans are not currently offered
- Self-employed income without clear documents is not our main focus
- Cash salary and Touch 'n Go eWallet salary are not currently accepted
Read the current eligibility requirements before enquiring. Approval is not guaranteed.
Local Trust
Trusted by Local Customers
Read the latest customer reviews on our official Google Business Profile.
View Google ReviewsVisit Us
Visit Our Office in Seberang Jaya
Google Maps Display Address
9, Lebuh Tenggiri 2, First Floor
Above Jom Banana Leaf
Staircase beside the restaurant
Bandar Sunway, Seberang Jaya
13700 Perai, Pulau Pinang
Business Hours
Office Hours
- Monday
- 09:30-17:30
- Tuesday
- 09:30-17:30
- Wednesday
- 09:30-17:30
- Thursday
- 09:30-17:30
- Friday
- 09:30-17:30
- Saturday
- 09:30-14:00
- Sunday
- Closed
FAQ
Frequently Asked Questions
Is Heap Hoe Credit Company licensed?
Yes. HEAP HOE CREDIT COMPANY currently holds KPKT licence WL4077/07/01-12/280928, valid from 29/09/2026 to 28/09/2028.
Where is Heap Hoe Credit Company located?
Our office is at 9, Lebuh Tenggiri 2, First Floor, above Jom Banana Leaf, staircase beside the restaurant, Bandar Sunway, Seberang Jaya, 13700 Perai, Pulau Pinang.
Do you provide personal loans in Penang?
We handle personal loan enquiries in Penang for applicants with regular monthly income and supporting documents. All applications are subject to eligibility, documents, verification and company approval.
Do you serve Butterworth and Bukit Mertajam?
Yes. We serve customers from Seberang Jaya, Perai, Butterworth, Bukit Mertajam and nearby areas in Pulau Pinang.
Do you accept business loan applications?
No. We do not currently provide business loans. Our main focus is salaried applicants and applicants with regular monthly income and supporting documents. All applications remain subject to eligibility, document review and company approval.
How can I contact Heap Hoe Credit Company?
You can call or WhatsApp 04-2404533 during business hours.
What documents are usually required?
Please prepare your latest three months' payslips and bank statements, plus a water or electricity bill. These supporting documents can be sent through our official WhatsApp at 04-2404533 for preliminary review. Please do not send photos of your IC by phone. Bring your original MyKad to our office so we can verify and photocopy it. All applications remain subject to document review and company approval.
Does Heap Hoe Credit Company ask for advance payment before a loan?
No upfront payment or advance fee is required for an initial enquiry or eligibility check. Do not make any advance payment to any personal or company account before verifying the matter through our official number 04-2404533.
Does Heap Hoe Credit Company have branches or loan agents outside Penang?
No. Heap Hoe Credit Company has one approved office in Seberang Jaya, Penang. We have no branches in other Malaysian states and do not appoint outside agents or representatives to offer loans nationwide.
How can I verify a caller or message claiming to represent Heap Hoe Credit Company?
Check the details against our official phone and WhatsApp number 04-2404533, official website heaphoecredit.com, and approved office in Seberang Jaya, Penang. A different phone number, social account or payment instruction is not verified merely because it uses our company name or logo.