Welcome to Kam Pei. By applying for or using our loan services (including personal loans, cash loans, fast loans, and online loan applications), you agree to the following Terms & Conditions. Please read carefully before submitting your application.
1. Eligibility
- Applicants must be Malaysian citizens or permanent residents aged 18 years and above.
- Proof of income and valid identification is required for all loan applications.
- Kam Pei reserves the right to approve or reject any application based on internal assessment.
2. Loan Application
- Customers may apply loan online via our secure website or loan app, or apply in person at our office.
- All details provided must be accurate and truthful.
- Submitting false or misleading information will result in rejection of your application.
3. Loan Approval & Disbursement
- Loan approvals are subject to verification of income, credit history, and compliance with our lending policies.
- Approved loan amounts and personal loan interest rates may vary depending on applicant eligibility.
- Funds will be disbursed to the applicant’s registered bank account after successful approval.
4. Repayment Terms
- Borrowers must repay the loan according to the agreed repayment schedule.
- Late or missed repayments may result in additional charges or legal action.
- Early settlement of a loan is permitted; however, terms may apply.
5. Interest Rates & Fees
- Kam Pei provides low interest personal loans where possible, subject to applicant’s creditworthiness.
- Interest rates and any processing fees will be clearly stated before signing the loan agreement.
- No hidden charges will be imposed.
6. Customer Responsibilities
- Borrowers are responsible for ensuring they can meet repayment obligations before taking a loan.
- Loans should be used for personal, business, or emergency purposes only, and not for illegal activities.
- Customers must notify Kam Pei of any changes to their contact or financial details.
7. Privacy & Data Protection
- Kam Pei is a trusted loan provider and respects your privacy.
- All personal and financial data submitted during the loan application process will be kept confidential in accordance with our [Privacy Policy].
- We use secure systems to ensure your information is protected at all times.
8. Limitation of Liability
- Kam Pei is not responsible for losses arising from misuse of loan funds by the borrower.
- We are not liable for delays caused by incorrect information provided by applicants.
- All loan agreements are subject to applicable Malaysian laws and regulations.
9. Changes to Terms & Conditions
- Kam Pei reserves the right to update these Terms & Conditions at any time.
- Any changes will be published on this page, and continued use of our services constitutes acceptance of the updated terms.
10. Contact Us
For questions regarding our Terms & Conditions, please contact us via our [Contact Us] page or call our customer service team for assistance.
