X-Credit

What makes X-Credit stand out in a crowd of loan platforms is its expert system that requires no excessive information or documents from clients to process a loan. Our programme is tailored to handle unexpected personal financial needs, which is why we only included a brief review of clients’ basic information in the loan procedures. To top it all, X-Credit eliminates all forms of prepayments and interests for its clients.


Fees & Charges:

Minimum duration of payment: 3 months
Maximum repayment period: 24 months
Max. Annual Percentage Rate (APR) is 0%.
Processing Fee (Includes Legal Fee, Stamp Fee, and Service Fee)
RM300 ~ RM15000 depending on the loan amount

Early Termination Fee: None

Late Payment Interest
Late payment penalty may apply


Calculation of the Loan

Example:
Loan Amount - RM3000.00
Loan Period - 6 Months Installment
Interest Rate - 0%
Processing Fee (Includes Legal Fee, Stamp Fee and Service Fee) - RM30

Total Interest Charge: Loan Amount * Interest rate per month * Loan Period

RM3000 * 0% (Interest per month) * 6 Months = RM0

Total Repayment Amount: Loan Amount + Total Interest Charge
RM3000 + RM0 = RM3000

Monthly Installment Calculation: Total Repayment Amount / Loan Period
RM3000 / 6 Months = RM500

Total Cost of Loan = Processing Fee + Profit Rate Charges
Total Cost of Loan = RM30 + RM0 = RM30


Terms & Conditions
https://www.xcredit.asia/terms-and-conditions/

Privacy Policy
https://www.xcredit.asia/privacy-policy/