Answers customers expect before starting a loan application.
This FAQ covers applications, eligibility, fees, security, complaints and the wider support information customers often review before proceeding.
Applications & Eligibility Questions
When will IC photo or identity documents be requested?
IC photo and identity-supporting documents form part of the formal review or document-verification stage. They should be submitted only through official and controlled company channels after follow-up from the authorised team.
What happens after I submit the application form?
The form is treated as an initial application request. The team reviews product interest, contact details and preliminary affordability information, then may follow up for IC photo, income documents, bank statements or other supporting records before any final terms are issued.
Does submitting the online form mean my loan is approved?
No. Submission of the public form does not amount to approval, disbursement or a binding offer. Approval remains subject to internal assessment, suitability checks, product terms and supporting documents.
Fees, Terms & Repayment Questions
Where are rates, fees and charges disclosed?
Key terms should be presented clearly, while product-specific rates, fees, charges, tenure and repayment obligations should be provided through product disclosure material and the final application documents before acceptance.
What loan amount can be considered?
Loan amounts up to RM1,000,000 may be considered, subject to product scope, income profile, affordability, supporting documents and internal assessment.
Is there a CTOS fee?
Yes. A fixed one-time CTOS fee of RM30 applies as part of the current application review workflow.
Is 0.66% per month guaranteed for every applicant?
The current product illustrations use a monthly interest rate of 0.66%. Final facility terms, approved amount, tenure and repayment obligations remain subject to assessment and approved documentation.
Will late charges, stamp duty and other costs be hidden?
No. Charges should be presented clearly and the product should not be framed as free or low-cost if customers pay indirectly through other fees, charges or obligations.
Security & Complaints Questions
What information should never be sent through the website or WhatsApp?
Customers should never send TAC, OTP, banking passwords, PIN, CVV or card-security information through public forms, email or open chat channels. If IC photo or supporting documents are required, they should be submitted only through official channels instructed by the company.
How are complaints or hardship requests handled?
A clear complaints process, response timelines, internal escalation route and, where relevant, information on further escalation to the appropriate authority or complaint channel should be provided.
Documents & Verification Questions
What documents may be requested after initial submission?
Depending on the product and review outcome, the company may request IC photo, income proof, bank statements, employment records, address verification or other supporting documents through official follow-up channels.
How should IC photo be submitted safely?
IC photo should be submitted only after official follow-up from the company, using the authorised channel instructed for the application. Customers should not send IC photo through unofficial links or unverified chat accounts.
Will document requests come immediately after submission?
Not always. Document requests depend on the application review outcome, product type and internal assessment. Some applications may require further verification while others may need only limited follow-up first.
How do I know a document request is official?
Official requests should come through the company’s published phone, email, website or verified support channels. Customers should cross-check the sender before providing IC photo or any supporting records.
Support & Follow-Up Questions
Can I continue the application through WhatsApp?
Yes. WhatsApp may be used for official enquiry handling, application assistance and follow-up, subject to the company’s verification and document-handling process.
How can I check the status of my application?
Customers may follow up through the company’s published phone, email or WhatsApp support channels by referring to their submitted details or reference information where available.
Official Channels & Consumer Notices Questions
Can I send IC photo or supporting documents through any WhatsApp account?
No. IC photo, income documents and other supporting records should be submitted only through the official channel instructed by the company after review. Customers should not rely on unknown numbers, copied profiles or unofficial links.
What should I do if I receive a suspicious payment or document request?
Pause the conversation and verify the request through the published phone, website, email or official WhatsApp channel before taking any action. Do not transfer money or send documents until the request is confirmed.
Our Support Team Is Here to Help
Can't find the answer you're looking for? Our customer support team is ready to assist you with any questions or concerns.
Phone Support
Available during business hours
Email Support
Response within 24 hours
WhatsApp Support
Quick responses via messaging
