Eligibility

To be eligible for a loan with CePinjam, you must be an citizen who is at least 18 years of age. You must also have a valid personal bank account and a stable income source.

Loan repayment

As a borrower with CePinjam, it is your responsibility to make timely repayments on your loan. Failure to do so can result in additional fees and/or legal action.

Interest rates and fees

Our loans come with competitive interest rates and fees, which will be clearly stated in your loan agreement. These rates and fees may vary depending on the loan product you select and your credit score

Loan approval

CePinjam has the right to approve or reject any loan application without providing a reason. Loan approval is subject to the borrower meeting our eligibility requirements and CePinjam's internal credit assessment and risk policies.

Borrowing limits

The maximum borrowing limit varies depending on the loan product you choose and your creditworthiness. Borrowers can only take out one loan at a time and must fully repay one loan before applying for a new one.

Default and collection

If you fail to make a payment on your loan, CePinjam reserves the right to collect the outstanding amount in accordance with applicable laws and regulations, which may include using a collection agent or filing a legal suit.

Amendment and termination of agreement

CePinjam has the right to amend or terminate this agreement at any time and for any reason. In such cases, CePinjam will provide advance notice to the borrower.

Dispute resolution

Any dispute arising from this agreement must be resolved through arbitration, in accordance with the laws.