mudahpinjam

mudahpinjam gives you easy access to affordable loans. Want to buy something or need to repay some debts? We're here to help you! To register as a member of this service or application, you must be at least 18 years old.

PA-DAT Enterprise Sdn. Bhd. is a licensed moneylender registered under the Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan, also known as KPKT).

mudahpinjam is an app-based financial services platform. Use this app for your financing needs using your smartphone.

Our financing product comes with flexible repayment schemes and minimal document requirements, providing easy access and gives you peace of mind. All you need is just the app to get started.

Product Info (Penerangan Produk)

1. What is the financing amount and profit rate? / Apakah jumlah pembiayaan dan kadar keuntungan?

a) Financing Amount (RM) / Amaun Pembiayaan (RM): RM500 - RM10,000

b) Maximum Annual Percentage Rate (APR) : 18% per annum /Kadar Maksimum Tahunan (APR): 18% Setahun

c) Financing Tenure (months) / Tempoh Pembiayaan : 3 - 24 Months / Bulan

d) Selling Price / Harga Jualan : Financing Amount + Total Profit / Jumlah Pembiayaan + Jumlah Keuntungan

2. How to calculate the monthly installment? / Macam mana ansuran bulanan dikira?

A = (P + (P X M X R)) / M
A = Monthly Installment Amount/ Jumlah Ansuran Bulanan
P = Financing Amount / Jumlah Pembiayaan
M = Financing Tenure (in months)/Tempoh Pembiayaan (dalam bulan)
R = Profit Rate per month (1.5%) / Kadar Keuntungan Sebulan (1.5%)

Example/ Contoh:
Financing Amount/ Jumlah Pembiayaan: RM3,000
Installment Period (Months) / Tempoh Ansuran (Bulan): 12 Months / Bulan
Profit Rate per month (1.5%)

A = (RM3,000 + (RM3,000 X 12 X 1.5%)) / 12
= (RM3,000 + RM540) / 12
= RM3,540 / 12

Monthly Installment Amount/ Jumlah Ansuran Bulanan = RM295
Total Profit will be RM540 and Total Repayment will be RM3,540
Jumlah Keuntungan adalah RM540 dan Jumlah Pembayaran adalah RM3,540.

3. What other charges do I have to pay? / Apakah caj-caj lain yang perlu saya bayar?

a) Processing Fee / Yuran Pemprosesan: RM60 - RM400
i.Maximum fee is RM400 / Yuran maksimum adalah RM400

b) Stamp Duty / Duti Setem: Included in processing fee / Termasuk dalam yuran pemprosesan

4. What if I fail to fulfill my obligations? / Bagaimana jika saya gagal memenuhi tanggungjawab saya?

Late Payment Rate/ Kadar Bayaran Lewat : 8% per annum / 8% Setahun
Late Payment Recovery Services Fee / Yuran Perkhidmatan Pemulihan pembayaran lewat : RM25 for any payment exceeding the 7th day of each due date / RM25 untuk bayaran yang melebihi hari ke-7 hari bayaran.

Requirements
Are you eligible for our mudahpinjam Financing Program ?

Minimum annual income
RM18,000

Minimum age
21 years old

Maximum age
50 years old

Who can Apply
Malaysians who are not be blacklisted by CCRIS & CTOS

WHY USE mudahpinjam?

- Easy to Apply: Just need your Identity card and fill in your details directly in our app