Kowaja is a financial platform, where we strive to provide responsible and compliant lending services tailored to your financial needs.

• Minimum and maximum period for repayment.

Minimum = 1 Year
Maximum = 10 Years

• Maximum Annual Percentage Rate (APR), which generally includes interest rate plus fees and other costs for a year, or similar other rate calculated consistently with local law.

Maximum Annual Percentage Rate (APR) = 13.8%

• A representative example of the total cost of the loan, including the principal and all applicable fees.

Approved financing of RM 10,000 for 1 year with percentage rate of 4.99%*
1) Principal financing amount: RM10,000
2) Total profit: RM499
3) Total amount of financing to be repaid: RM10,499
4) Total repayment months: 12 months
5) Estimated monthly payment: Approximately RM875

Refer to our privacy policy via this link: https://kowaja.com.my/privacy-policy-statement/