Loan Eligibility: New Job, CTOS and Existing Loan Questions

You need to be a confirmed employee and would usually need to have worked for at least three months. Working for three months does not mean the application will automatically be approved. We still assess your salary, job type, employment stability, repayment ability, credit information and documents.

A CTOS record does not always mean automatic rejection. Records involving a bank, credit card, household instalment or similar account may still be reviewed case by case. If you are blacklisted by another money lending company, you are not eligible under our current policy. Approval is never guaranteed.

You can contact us for a case-by-case assessment, but approval is not guaranteed. If your eligibility and repayment ability are suitable, we may first help settle the existing loan before considering a new loan. In another suitable situation, only a smaller amount may be considered so that the monthly repayment burden is not too high. If you have already been blacklisted by another money lending company, you are not eligible under our current policy.

Not at the moment. We do not currently accept cash salary applications because we need salary and income records that can be verified.

Not at the moment. Salary paid into Touch 'n Go eWallet is not currently accepted for an application. This policy may change in the future, so please check the latest requirements through 04-2404533.

No. We do not currently provide business loans, car loans or property-backed loans.

No. The website, telephone and WhatsApp are only for general questions and appointments. Identity checking, document review, agreement explanation and signing, and the formal loan transaction must be completed in person at our approved Seberang Jaya office.

There is no fixed amount that applies to everyone. We look at your verified salary, repayment ability, job type, employment stability, credit information and documents. The amount you ask for may not be the amount approved.

For our current one-month example, borrowing RM1,000 results in RM15 interest and a total repayment of RM1,015. This is a one-month example only. Your approved amount, duration, repayment dates and total repayment will be stated in the completed agreement.

申请人必须已经是正式员工，通常需要工作满3个月或以上。做满3个月不代表一定批准，公司还是要看工资、工作类型、工作稳定性、还款能力、信用情况和相关文件。

有CTOS记录，不代表一定不能申请。如果记录来自银行、信用卡、家电分期或类似账户，公司可以先看情况，再个别评估。如果申请人已经被其他贷款公司列入黑名单，目前就无法申请。所有申请都不保证批准。

可以先让公司看情况，但不代表一定批准。如果客户的条件和还款能力适合，公司可能先协助settle旧贷款，再重新评估新的贷款；另一种情况是只考虑较小的数额，避免每个月还款负担太高。如果已经被其他贷款公司列入黑名单，按照目前政策就无法申请。最后还是要看工资、现有欠款、工作、信用情况和文件。

目前不可以。公司不接受Cash salary申请，因为工资和收入记录必须能够核对。

目前不可以。公司暂时不接受工资汇入Touch 'n Go eWallet的申请。这项政策将来可能调整，最新条件可以打04-2404533询问。

目前没有。公司暂时不提供生意贷款、汽车贷款或房屋抵押贷款。

不可以。网站、电话和WhatsApp只用于一般询问和预约。身份核实、文件审核、贷款协议讲解与签署，以及正式贷款手续，都必须由本人到Seberang Jaya获批准的办公室处理。

没有一个适合所有人的固定数目。公司会看可以核对的工资、还款能力、工作类型、工作是否稳定、信用情况和所提供的文件。客户询问的金额，不代表最后批准的金额。

以目前一个月的例子计算，借RM1,000，利息是RM15，到期总额是RM1,015。这只是一个月的例子，不代表所有贷款期限都只收RM15。实际批准数额、期限、还款日期和总还款额，都会写在完整的贷款协议里面。