FLEXIPLUS SDN. BHD.Licensed Money Lending / Community Credit
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Loan Information

Loan Information

Clear information about our personal loan services, loan amount, repayment period, APR, applicable charges, eligibility, application process and important notices.

Maklumat Pinjaman

Maklumat Pinjaman

Maklumat jelas mengenai perkhidmatan pinjaman peribadi, jumlah pinjaman, tempoh bayaran balik, APR, caj berkaitan, kelayakan, proses permohonan dan notis penting.

About Our Loan Services

FLEXIPLUS SDN. BHD. is a licensed money lending company in Malaysia providing personal loan services based on customers’ financial needs.

We provide transparent loan information including loan amount, interest rate, repayment period, applicable charges and repayment terms before customers accept any loan agreement.

All loan applications are subject to assessment, approval and applicable Malaysian laws and regulations.

Loan Details

Loan Amount

The approved loan amount depends on:

  • Customer eligibility assessment
  • Income and supporting documents
  • Repayment ability
  • Approved loan agreement terms

The actual approved loan amount will be clearly stated before acceptance of the loan agreement.

Loan Repayment Period

Minimum repayment period: 61 days


Maximum repayment period: 12 months

The actual repayment period will depend on:

  • Approved loan amount
  • Customer assessment
  • Agreed repayment schedule
  • Loan agreement terms

Interest Rate & Annual Percentage Rate (APR)

Maximum Annual Percentage Rate (APR): Up to 18% per annum

The actual interest rate and APR will depend on:

  • Approved loan amount
  • Repayment period
  • Applicable charges
  • Terms stated in the loan agreement

All applicable charges and repayment details will be clearly disclosed before customers accept the loan agreement.

Applicable Charges & Fees

Customers will be informed of any applicable charges before entering into a loan agreement.

Stamp Duty

Stamp duty may be applicable to the loan agreement in accordance with Malaysian regulations.

Any applicable stamp duty charges will be clearly disclosed before acceptance of the loan agreement.

Other Applicable Charges

Depending on the approved loan agreement, applicable charges may include:

  • Stamp Duty
  • Other charges permitted under applicable regulations

All charges will be clearly stated in the approved loan agreement.

Representative Loan Example

Example:

For a loan amount of RM1,000 with a repayment period of 12 months at an annual interest rate of 18% per annum:

Loan Amount: RM1,000

Interest Amount: RM180

Estimated Total Repayment: RM1,180

Estimated Monthly Repayment: Approximately RM98.33 per month

The above example is for illustration purposes only.

Actual repayment amount, applicable fees, charges and repayment schedule will be stated clearly in the approved loan agreement.

Eligibility Requirements

Applicants must:

  • Be eligible applicants according to Malaysian requirements
  • Provide valid identification documents
  • Provide income or business supporting documents where required
  • Pass FLEXIPLUS SDN. BHD.’s assessment process

All applications are subject to approval.

Loan Application Process

1. Application Submission

Customers submit a loan application together with required supporting documents.

2. Assessment & Verification

FLEXIPLUS SDN. BHD. reviews customer information and conducts eligibility assessment.

The assessment may include:

  • Identity verification
  • Income assessment
  • Repayment ability evaluation

3. Loan Approval

If approved, customers will receive details including:

  • Approved loan amount
  • Interest rate
  • Repayment schedule
  • Applicable charges
  • Loan agreement terms

4. Loan Agreement

Customers should carefully review all loan agreement terms before signing.

The loan agreement will include:

  • Loan amount
  • Interest rate
  • Repayment schedule
  • Fees and charges
  • Rights and responsibilities of both parties

5. Loan Disbursement

After completion of the agreement process, approved loan funds will be disbursed according to the agreed terms.

Important Notice

FLEXIPLUS SDN. BHD. does not guarantee approval of any loan application.

All loan applications are subject to eligibility assessment, approval procedures and applicable regulations.

Customers are advised to carefully review all loan terms before accepting any loan agreement.

Mengenai Perkhidmatan Pinjaman Kami

FLEXIPLUS SDN. BHD. ialah syarikat pemberi pinjam wang berlesen di Malaysia yang menyediakan perkhidmatan pinjaman peribadi berdasarkan keperluan kewangan pelanggan.

Kami menyediakan maklumat pinjaman secara telus termasuk jumlah pinjaman, kadar faedah, tempoh bayaran balik, caj berkaitan dan terma bayaran balik sebelum pelanggan menerima sebarang perjanjian pinjaman.

Semua permohonan pinjaman tertakluk kepada penilaian, kelulusan serta undang-undang dan peraturan Malaysia yang berkaitan.

Butiran Pinjaman

Jumlah Pinjaman

Jumlah pinjaman yang diluluskan bergantung kepada:

  • Penilaian kelayakan pelanggan
  • Pendapatan dan dokumen sokongan
  • Kemampuan bayaran balik
  • Terma perjanjian pinjaman yang diluluskan

Jumlah pinjaman sebenar yang diluluskan akan dinyatakan dengan jelas sebelum penerimaan perjanjian pinjaman.

Tempoh Bayaran Balik Pinjaman

Tempoh bayaran balik minimum: 61 hari


Tempoh bayaran balik maksimum: 12 bulan

Tempoh bayaran balik sebenar bergantung kepada:

  • Jumlah pinjaman yang diluluskan
  • Penilaian pelanggan
  • Jadual bayaran balik yang dipersetujui
  • Terma perjanjian pinjaman

Kadar Faedah & Kadar Peratusan Tahunan (APR)

Kadar Peratusan Tahunan (APR) maksimum: Sehingga 18% setahun

Kadar faedah dan APR sebenar bergantung kepada:

  • Jumlah pinjaman yang diluluskan
  • Tempoh bayaran balik
  • Caj berkaitan
  • Terma yang dinyatakan dalam perjanjian pinjaman

Semua caj berkaitan dan butiran bayaran balik akan didedahkan dengan jelas sebelum pelanggan menerima perjanjian pinjaman.

Caj & Bayaran Berkaitan

Pelanggan akan dimaklumkan mengenai sebarang caj berkaitan sebelum memasuki perjanjian pinjaman.

Duti Setem

Duti setem mungkin dikenakan kepada perjanjian pinjaman mengikut peraturan Malaysia.

Sebarang caj duti setem yang berkaitan akan didedahkan dengan jelas sebelum penerimaan perjanjian pinjaman.

Caj Berkaitan Lain

Bergantung kepada perjanjian pinjaman yang diluluskan, caj berkaitan mungkin termasuk:

  • Duti Setem
  • Caj lain yang dibenarkan di bawah peraturan yang berkaitan

Semua caj akan dinyatakan dengan jelas dalam perjanjian pinjaman yang diluluskan.

Contoh Pinjaman Wakil

Contoh:

Untuk jumlah pinjaman RM1,000 dengan tempoh bayaran balik 12 bulan pada kadar faedah tahunan 18% setahun:

Jumlah Pinjaman: RM1,000

Jumlah Faedah: RM180

Anggaran Jumlah Bayaran Balik: RM1,180

Anggaran Bayaran Bulanan: Kira-kira RM98.33 sebulan

Contoh di atas adalah untuk tujuan ilustrasi sahaja.

Jumlah bayaran balik sebenar, bayaran berkaitan, caj dan jadual bayaran balik akan dinyatakan dengan jelas dalam perjanjian pinjaman yang diluluskan.

Syarat Kelayakan

Pemohon mestilah:

  • Pemohon yang layak mengikut keperluan Malaysia
  • Menyediakan dokumen pengenalan diri yang sah
  • Menyediakan dokumen sokongan pendapatan atau perniagaan jika diperlukan
  • Lulus proses penilaian FLEXIPLUS SDN. BHD.

Semua permohonan tertakluk kepada kelulusan.

Proses Permohonan Pinjaman

1. Penghantaran Permohonan

Pelanggan menghantar permohonan pinjaman bersama dokumen sokongan yang diperlukan.

2. Penilaian & Pengesahan

FLEXIPLUS SDN. BHD. menyemak maklumat pelanggan dan menjalankan penilaian kelayakan.

Penilaian mungkin merangkumi:

  • Pengesahan identiti
  • Penilaian pendapatan
  • Penilaian kemampuan bayaran balik

3. Kelulusan Pinjaman

Jika diluluskan, pelanggan akan menerima butiran termasuk:

  • Jumlah pinjaman yang diluluskan
  • Kadar faedah
  • Jadual bayaran balik
  • Caj berkaitan
  • Terma perjanjian pinjaman

4. Perjanjian Pinjaman

Pelanggan perlu menyemak semua terma perjanjian pinjaman dengan teliti sebelum menandatangani.

Perjanjian pinjaman akan merangkumi:

  • Jumlah pinjaman
  • Kadar faedah
  • Jadual bayaran balik
  • Bayaran dan caj
  • Hak dan tanggungjawab kedua-dua pihak

5. Pengeluaran Pinjaman

Selepas proses perjanjian selesai, dana pinjaman yang diluluskan akan dikeluarkan mengikut terma yang dipersetujui.

Notis Penting

FLEXIPLUS SDN. BHD. tidak menjamin kelulusan mana-mana permohonan pinjaman.

Semua permohonan pinjaman tertakluk kepada penilaian kelayakan, prosedur kelulusan dan peraturan yang berkaitan.

Pelanggan dinasihatkan untuk menyemak semua terma pinjaman dengan teliti sebelum menerima sebarang perjanjian pinjaman.