Responsible Lending
Our commitment to ethical and responsible lending practices
Fair Assessment
We evaluate each loan application fairly and transparently, considering your ability to repay without causing financial hardship.
Customer Wellbeing
Your financial health is our priority. We provide:
- Clear and transparent loan terms
- No hidden fees or surprise charges
- Flexible repayment options when needed
- Financial education resources
Financial Education
We believe in empowering our customers with knowledge:
- Budgeting and financial planning tips
- Understanding loan terms and conditions
- Building and maintaining good credit
- Recognizing signs of financial stress
Before You Borrow - Consider These Questions
Do I really need this loan?
Consider if the expense is necessary or if you can wait and save for it.
Can I afford the repayments?
Ensure loan repayments fit comfortably within your budget after essential expenses.
Do I understand all the terms?
Make sure you understand interest rates, fees, and repayment schedules.
What if my circumstances change?
Consider how you'll manage repayments if your income decreases.
If You're Experiencing Financial Difficulty
We understand that financial circumstances can change unexpectedly. If you're having trouble with repayments, please contact us immediately. We offer:
- Payment plan restructuring options
- Temporary payment deferrals in hardship cases
- Financial counseling referrals
- Early intervention support
Regulatory Compliance
Payung operates under the oversight of Malaysian financial regulators and adheres to all applicable lending laws and regulations. We are committed to maintaining the highest standards of ethical business practices.
Need Help or Have Concerns?
If you have questions about responsible lending, need financial advice, or want to discuss your loan options, please contact our customer support team at support@payung.com or call our helpline.