• Flexible cash withdrawal anytime via cheque, Debit Card, ATM or at any of our branches.
• No minimum monthly payment. You will only pay profit charges on the money you use. Only settle the full amount within the agreed time frame.
• Profit rate is based on utilised amount only.
• No charges imposed on the unutilized portion.
• Competitive pricing.
• High margin of advance.
• No guarantor needed.

• Brokerage Fee: Proportionate as per the financing amount.
• Stamp Duty: 0.5% of the financing amount.
• Takaful: As per customer’s profile (age, gender, tenure, etc).
• Please click here for details, refer to Financing tab.

• Individuals aged 21 years old or up to 2 years before retirement age (60 years old).
• Malaysian resident.
• Owns any permissible assets which are acceptable to KFH Malaysia and free from any encumbrances.
• For personal use or short term working capital.
• Minimum tenure of 2 years and up to 5 years, subject to annual review.
• Minimum of RM5,000 financing amount and a maximum of RM250,000.

• Base Rate plus margin subject to Contracted Ceiling Rate. Customer will be charged daily, based on the utilised amount calculated at Profit Rate and realised on a monthly basis.

Salaried earners:

• Latest 3 months payslip.
• Latest EPF Statement (must show latest 3 months contribution).
• Other documents on case to case basis.

Own Business:

• Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
• Business Registration Form.
• Additional documents such as latest 6 months Company bank statement; or Proprietor bank statement and latest 3 months Personal bank statement.
• Other documents on case to case basis.