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KPKT Licensed Moneylender
HEAP HOE CREDIT COMPANY
Licensed Cash Loan in Penang
Need cash but want to avoid ah long or unknown loan apps?
Check early eligibility through the official channels of Heap Hoe Credit Company.
Not ah long. No upfront payment for initial enquiry or eligibility checking.
KPKT Licensed
Not Ah Long
No Advance Payment
Office in Seberang Jaya
English Customer Guide
Licensed Cash Loan in Penang Through a KPKT Licensed Office
Heap Hoe Credit Company is a KPKT licensed credit community office in Seberang Jaya, Penang.
This page is for English-speaking customers searching for a licensed money lender, licensed personal loan or licensed cash loan in Penang.
Customers should visit the office, sign the agreement, and only proceed after understanding the repayment amount, payment term and important terms.
For questions about a new job, CTOS records, salary payment, loan amount and the one-month interest example, read our current loan eligibility answers.
Office Process
How It Works
Visit our Seberang Jaya office
Customers may come to our office above Jom Banana Leaf, Lebuh Tenggiri 2, Seberang Jaya.
Sign agreement after checking terms
Important repayment terms are explained before the customer decides whether to continue.
Receive money after the process is completed
Payment is handled only after the required process, document checking and agreement steps are completed.
Payment Example
1-Month Cash Loan Example
Borrow RM1,000
Pay RM1,015*
Borrow RM2,000
Pay RM2,030*
Borrow RM3,000
Pay RM3,045*
*Example payment for a 1-month cash loan only. Subject to checking and approval.
Interest Rate
KPKT Licensed Moneylender Interest Rate
Interest rates for licensed moneylenders are subject to the Moneylenders Act 1951 and KPKT regulations.
In general, secured loans do not exceed 12% per year, while unsecured loans do not exceed 18% per year.
The payment amount, payment term and important terms will be explained before the customer continues with the process.
Verification
Is Heap Hoe Credit Company Ah Long?
StatusNot ah long
KPKT License NoWL4077/07/01-11/280926
Validity29/09/2024 - 28/09/2026
No. Heap Hoe Credit Company is a KPKT licensed moneylender with licence number WL4077/07/01-11/280926.
Our office is available for customers to visit in Seberang Jaya, Penang. Official enquiries are made through our website, phone, official WhatsApp or office.
Online Safety
Loan App and Online Loan Scam Warning
At this time, Heap Hoe Credit Company does not have a loan app. No upfront payment or advance fee is required for an initial enquiry or eligibility check.
Customers should be careful with unknown loan apps in Malaysia that ask for access to contacts, photos, SMS or request upfront payment before the matter is verified.
If you are unsure, call 04-2404533 for confirmation.
Document Check
Basic Documents Usually Needed
Basic documents may include:
- Identification document
- Proof of income
- Bank statement
- Other supporting documents if required
Do not submit sensitive documents to parties that cannot be verified.
Enquiry Process
How the Early Eligibility Check Works
1. Fill in basic details
2. We contact you through official channels
3. Document and eligibility checking
4. Payment explanation before the customer makes a decision
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.
Company Verification
KPKT Licensed Moneylender
CompanyHEAP HOE CREDIT COMPANY
KPKT License NoWL4077/07/01-11/280926
Validity29/09/2024 - 28/09/2026
Office Address
9, Lebuh Tenggiri 2, First Floor
Above Jom Banana Leaf
Staircase beside the restaurant
Bandar Sunway, Seberang Jaya
13700 Perai, Pulau Pinang
Local Trust
Google Reviews
Read the latest customer reviews on our official Google Business Profile.
View Google ReviewsLocation
Office in Seberang Jaya
Google Maps 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 ah long?
No. Heap Hoe Credit Company is a KPKT licensed moneylender and has an office in Seberang Jaya, Penang.
What is the interest rate for licensed cash loans?
Interest rates are subject to the Moneylenders Act 1951 and KPKT regulations. The actual payment amount will be explained before the customer continues with the process.
Does Heap Hoe Credit Company have a loan app?
At this time, Heap Hoe Credit Company does not have a loan app. Official enquiries are made through our website, phone, official WhatsApp or office.
Do I need to pay advance payment first?
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 accept cash loan enquiries?
Yes, we accept cash loan enquiries through our official channels, subject to document review, eligibility check, verification and company approval.
What basic documents are usually needed?
Basic documents may include identification document, proof of income, bank statement and other supporting documents if required.
How can I verify Heap Hoe Credit Company official channels?
Please check our official website, phone number 04-2404533, official WhatsApp and our office in Seberang Jaya before sharing information or making any payment.