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014-2605659

INTEREST RATE & REPAYMENT
 
Interest Rate

Fixed rate from 8% – 12% APR and payment options range from 6 months to 60 months.

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Minimum repayment

6 months; Maximum repayment: 60 months.

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Representative example

Amount of credit RM 5000 borrowed for 180 days. Interest : RM 448. Total amount payable : RM 5448

HOURS & LOCATION
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Office Location

No: 09-02, Jalan Jaya Putra 7/6
Bandar Jaya Putra
81100 Johor Bahru Johor

 

Tel: 014-2605659

WhatsApp: 014-2605659

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Hours

Monday - Sunday 

7 Days Per Week 24 Hours Per Day

Loan Products Disclosures:

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The financing rates is 1.5% per month or 18% per annum. Tenor of the financing offered is between 90 days and 5 years. As a representative illustration, for a RM10,000 loan amount borrowed for 1 year at an annual interest rate of 18%, the total repayment amount at the end of the tenure is RM11,800.

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Loan Term:

Minimum 90 days. Maximum 60 months. 
Maximum Annual Percentage Rate (APR) is 18%
 
Loan calculation example:
Mr.Lim registered to borrow RM5,000 for 3 months (90 days).
Tan's overpayment is only RM5,000 x 90 x 0.05% = RM225.
Full payment is RM5,000+RM227.50 = RM5,225.
Tan's monthly payment is only RM5,225/3 = RM1,741.67.

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1) What do i get from this product?

Interest/Profit Rate
Approximately 3.99% per annum to 14.78% per annum (flat rate). (Effective Interest/Profit Rate:
Approximately 7.40% per annum to 24.37% per annum based on 5 Years Financing tenure).
The Interest/Profit Rate quoted and/or prescribed by the company hereunder is subject to the GKH Express's right to vary the same at any time and from time to time with prior notice to you.

Total Interest/Profit
Financing Amount (RM) × Interest/Profit Rate (%) × Tenure (Years).
Example: Financing Amount: RM20,000, Interest/Profit Rate: 10.68% p.a., Tenure: 5 Years.
Therefore Total Interest/Profit = RM20,000 × 10.68% p.a. × 5 Years = RM10,680.

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2) What other charges do I have to pay?

Stamp duty (0.5%) on total approved financing amount, to be deducted from financing amount.

Unless otherwise specified herein, our charges exclude any current taxes and future taxes that may be imposed (including the Sales and Services Tax (“SST”), under the relevant legislation. Upon the effective date of implementation of any such taxes in the future and wherever applicable, we will be entitled to recover such taxes from you.

© 2025-2026 JbRinggitPlus. ALL RIGHTS RESERVED

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