1.1. To qualify, applicants must be 21 years old or above. Age limit for applicant is 50 years old.

1.2. Personal Loan.

1.3. Corporate/SME Loan.

1.3. Required Documents:

1.4. The fixed interest rate is at 1.5% per month or 18% per annum

1.5. The minimum facility tenure is from 3 months up to maximum 2 year (24 months)

1.6. The final facility amount, interest rate and the repayment period approved will be based on NXCASH's credit evaluation.

1.7. Any difference between the facility amount, interest rate or due date, as the case may be finally approved by NXCASH shall not affect the validity of these terms and the facility agreement.

2.1. Subject to NXCASH's receipt of complete and satisfactory documentation and information in respect of the Applicant's application for the Facility, NXCASH will process such application.

2.2. NXCASH may request for additional documentation or information apart from the ones mentioned in the print materials if deemed necessary and appropriate by NXCASH.

2.3. The Applicant agrees and affirms that in the application for the Facility and until all Indebtedness is paid in full:

• All documentation or information provided and submitted in the application form through NXCASH's website, application form or any other accredited channels are true and correct
• The Applicant will not dispute the contents furnished by the Applicant during the application and that if such application is sent by electronic mail/facsimile transmission to NXCASH, NXCASH may treat such application as the original signed application unless there is a manifest error
• The Applicant will submit all other relevant information or documentation as NXCASH may request from time to time
• NXCASH is entitled to validate such submission with available information on the applicant's accounts, credit information and/or other status checks from applicable entities, authorised Credit Reporting Agencies in Malaysia or any other regulatory institution
• NXCASH retains the sole right to approve, decline, modify, change, increase or decrease the facility application without any liability to the Applicant
• The facility application data provided can be used by NXCASH to pre-fill any of the Applicant's future facility application
• NXCASH have absolute right to retain on all the provided supporting documents or information as permissible under the regulations retention period
• The Applicant will ensure that the bank account number(s) or other account number(s) stated in the application form are correct
• The Applicant is the sole beneficial owner of all bank account number(s) or other account number(s) stated in the application form and such other bank account number(s) which the Applicant may inform NXCASH from time to time
• The Applicant's instruction to NXCASH to disburse the Facility into the bank account stated in the application form is valid and binding on the Applicant
• The granting of the Facility by NXCASH does not contravene the Financial Services Act 2013 (which is available on the website of Bank Negara Malaysia) and/or any amendment thereto or re-enactment thereof
• The Terms and Conditions constitute the legal, valid and binding obligations enforceable against the Applicant in accordance therewith

2.4. NXCASH may, having evaluated the financial condition, income statements and other financial documents in respect of the Applicant furnished to NXCASH, reject the Applicant's application for the Facility.

3.1. Upon approval of the Facility, the Applicant will be notified by email for online attestation and e-sign facility agreement process.

3.2. NXCASH may approve the Facility Amount and the Facility Instalment Period specified by the Applicant or such lower Facility Amount and/or shorter Facility Instalment Period as NXCASH decides is appropriate. NXCASH is not obliged to inform or notify the Applicant on the lower Facility Amount and/or shorter Facility Instalment Period prior to approval of the Facility.

3.3. The acceptance of the Applicant's application and issuance of the Approval Letter by NXCASH will form the agreement by the Applicant to borrow and NXCASH to make available the Facility subject to the Terms and Conditions. The application form, the Approval Letter and, if applicable, any further letter(s) or instrument(s) amending or supplementing the Approval Letter are collectively referred to as the "Facility Instruments".

3.4. The validity of the approval is at maximum 30 business days from the approval date. You may need re-apply a new facility application if you are failed to complete the online attestation and the e-sign process together with any further letter(s) or instrument(s) amending or supplementing the Approval Letter within 30 business days from the approval date.

3.5. The signed stamped agreement together with the stamp certificate will be sent to your registered email address and deemed to be served upon successful transmission of the email.

4.1. All approved facility amount will be disbursed by crediting into the personal current/savings account of the Applicant provided in the application form. No company account/ joint holder account/ dormant account is allowed to be used for the crediting of the Facility.

4.2. Processing Fee of RM100.00 and 0.5% of the approved loan amount for stamp duty (as per Stamp Act 1949) will be deducted upon loan disbursement.

4.3. Any incorrect bank information provided in the application form may result to delay or rejection of electronic payment or bank transfer to the Applicant's bank account. NXCASH shall not be held for any responsibility or liability for any reason of the rejection or wrong bank account number that omitted by the Applicant.

5.1. Each monthly instalment and other indebted must be made on or before the due date. The monthly Instalment amount, due date, Instalment period and first monthly Instalment commencing date will be as stipulated in the loan agreement.

5.2. Repayment method is available via Online Banking through FPX or JomPAY.

5.3. NXCASH reserved the right of the payment allocation on each Instalment without any notice to you.

5.4. A receipt on each payment will be generated and made available at your NXCASH's account.

5.5. NXCASH shall be entitled to withdraw or terminate the Facility and demand the repayment of all sums of money owing under the Facility or vary or amend the Facility on such terms as may the NXCASH may reasonably determine by giving twenty-one (21) calendar days prior notice to you. In the event NXCASH shall demand repayment of the Facility, you shall be liable to pay additional default interest on the Facility amount outstanding and unpaid Facility Monthly Instalments after demand for repayment at such interest rate as shall be noticed by NXCASH. Default interest shall accrue on a daily basis (after judgement or court order as well as before) and if remaining unpaid, shall be debited to your account at the end of every calendar month and you shall be liable to pay interest thereon at the default interest as stipulated.

6.1. NXCASH may terminate the Facility with notice to the Applicant upon the occurrence of any of the following Events of Default:

• The Applicant defaults in paying the principal and/or interests and/or other monies when due and payable under the Facility
• The Applicant defaults in any of the Terms and Conditions (except for the repayment default referred to in Clause 5.1(a) above) and such default is not remedied within seven (7) days from its occurrence
• Presentation of a bankruptcy petition against the Application
• If the Applicant serves any custodial sentence, becomes insane or dies
• The Applicant fails to make any repayment on the due date or when demanded for any of the Applicant's other indebtedness to NXCASH or any other financial institutions (including credit card debts incurred), which results in the indebtedness becoming declared prematurely due
• Distress or other execution proceedings is conducted against the property of the Applicant
• The Applicant commits any act of bankruptcy or becomes bankrupt or dies or becomes insane
• The Applicants commits an act of fraud or misconduct which has an adverse effect on the Facility, whereupon the entire Indebtedness will become due and payable immediately by the Applicant to NXCASH
• If a change in applicable law or regulation makes it impossible or unlawful for NXCASH to continue making available the Facility to the Applicant

6.2. The Applicant must indemnify NXCASH and keep NXCASH fully indemnified in respect of any loss, damage, cost and expenses, fees, charges (including the NXCASH's solicitors' cost (on a solicitor and client basis)) which NXCASH may suffer or incur, in enforcing or attempting to enforce its rights under the Terms and Conditions against the Applicant, due to any act, omission, default, negligence and/or misconduct caused by the Applicant.