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Rates, Fees and Charges

What are the interest rates and how are they determined?

Interest rate of up to 18.0% per annum, will be charged on the Issued Note Amount from the issuance date to settlement date.

We adopt risk-based pricing, in which your applicable interest rate is determined by your assigned risk grading in accordance with our proprietary credit scoring model

Can I register as an Issuer and an Investor simultaneously?

Currently, there is no rule restricting you to register as Issuer and Investor simultaneously. You will be required to open separate accounts for each, using different…

Creative Burnink March 22, 2018

Is FinPAL regulated?

Yes, FinPal is a Registered Recognised Market Operator, governed under Section 34 of Capital Markets and Services Act 2007 (CMSA) by Securities Commission of Malaysia…

Creative Burnink March 22, 2018

Are my funds at risk if FinPAL becomes insolvent?

Your investment funds are held on trust on your behalf in a segregated Investor Trust Account which cannot be transferred to FinPAL Accounts. Additionally, FinPAL…

Creative Burnink March 22, 2018

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