Loan Terms & Disclosures
Key loan terms for financing offered by Aventis, including the maximum Annual Percentage Rate (APR) and payment due-date policy.
Last updated: October 2026
1. Licensed lender
Operator: AVENTIS CAPITAL GROUP SDN. BHD. (1314732-X)
KPKT Licence: WL 5362/14/01-10/251027
KPKT Licence validity: 26/10/2025 – 25/10/2027
Address: A1-2-1, No. 1, Jalan Dutamas 1, Publika, Solaris Dutamas, 50480 Wilayah Persekutuan Kuala Lumpur
Email: [email protected]
We are licensed under the Ministry of Housing and Local Government (KPKT) and operate under the Moneylenders Act 1951 and applicable subsidiary regulations in Malaysia.
2. Key loan terms
- Repayment period: loans are repaid in monthly instalments over the term you select within the product range shown below. Loans are not repayable in full within 60 days.
- Maximum APR: the Annual Percentage Rate for each product is shown per annum (% p.a.) in the table below and stated in your Loan Agreement. The all-in maximum APR will not exceed the rate disclosed for your chosen product.
- Fees & charges: applicable legal fee, stamping fee, and late payment charges are shown per product below and itemised before you accept.
- Schedule type: repayment follows Jadual J (no collateral) or Jadual K (with collateral) as indicated per product.
3. Current products & rates
The following terms reflect the products currently offered. Final terms applicable to your loan are confirmed in your Loan Agreement after approval.
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4. Representative example
Illustrative only — not a loan offer.
- Principal: RM 10,000.00
- Term: 12 months
- Interest rate: 18% p.a. (flat)
- Total interest: RM 10,000.00 × 18% × (12 ÷ 12) = RM 1,800.00
- Total amount repayable (principal + interest): RM 11,800.00
- Monthly instalment: RM 11,800.00 ÷ 12 = RM 983.33
Final terms, fees (e.g. legal fee, stamping), and your repayment schedule appear in your Loan Agreement after approval.
5. Payment due dates
Instalments are due monthly. Your exact first payment due date and the full repayment schedule (each instalment and its due date) are generated and shown after your loan is approved and disbursed. If you pay after a due date, late payment charges may accrue on the overdue amount at the rate stated in your Loan Agreement.
6. Important disclaimer
All figures shown in the app before approval are estimates for your convenience. They do not constitute a loan offer or financial advice. The binding terms are those set out in your executed Loan Agreement and the disclosures required by KPKT; if there is any conflict, the Loan Agreement prevails.
7. Contact
Questions or requests can be sent to [email protected] or via www.aventiscapital.com.my.