Frequently asked
questions

To be considered for personal funding, you must be a Malaysian citizen aged 20 to 60 years, employed permanently with at least 3 months of service, have a minimum gross monthly income of RM1,500, receive your salary through a bank account, and not be declared bankrupt. Also, you should be confident in your ability to make repayment.

At Kim Kok Enterprise, your funding amount is tailored to your financial situation, taking into account your income, existing debts, and credit history. Our lending partners offer funding up to RM1,000,000 with flexible repayment terms ranging from 6 months to 3 years.

Please have the following documents ready: your NRIC, the latest 3 months of payslips and bank statements, a utility bill for address verification, and your EPF contribution statement.

We strive to make our funding process swift and efficient. You can anticipate receiving your funding within 1 to 3 working days.

Absolutely! Kim Kok Enterprise supports early funding repayment.

Kim Kok Enterprise stands out as a forward-thinking online lending platform, leveraging advanced AI technology to optimize the credit discovery, comparison, and application process. Our sophisticated platform pairs borrowers with the most suitable financing options from our exclusive network of licensed money lenders, all under stringent regulation by the Ministry of Housing and Local Government (KPKT). Moreover, our commitment to transparency ensures that our service remains 100% FREE of charge with no hidden fees, promoting an honest and client-centric approach to lending. By choosing Toko Credit, you're choosing innovation, integrity, and financial solutions tailored to your needs.

Applying for personal funding with Kim Kok Enterprise is straightforward and convenient. Firstly, check your eligibility through our platform. We'll then identify the personal funding that matches your needs. Our dedicated consultants or the lender's officer will then guide you through the funding application process. All of this comes at no cost – our service is absolutely free, with no hidden charges. To begin your application, click HERE.