TunaiPlus

TunaiPlus – Professional Loan Matching Intermediary Platform

Important Official Statement: TunaiPlus developed by OCLOUD SOLUTIONS is only a loan intermediary matching platform, we do not directly provide, issue or disburse any loans. All loan funds are provided by our formal qualified cooperative financial institutions. Our official cooperating institutions include Finroro、Fundora、Livin' by Mandiri、LoanMob.

App Usage Process
Users complete account registration via mobile phone number, then fill in authentic basic information including name, email, personal address, age, gender, emergency contact information, work information, financial status and bank information as required. The system will conduct automatic credit evaluation based on user submitted information, and intelligently recommend matched loan product lists from official cooperative institutions for users.

Official Loan Parameter Range (Standard Compliance)
All loan products matched by the platform strictly follow the following unified parameter standards formulated by cooperative institutions:
• Annual Percentage Rate (APR): Minimum 15% - Maximum 36%
• Loan Term: Shortest 61 days, Longest 3 years (36 months)

Detailed Loan Calculation Example (With Complete Calculation Steps)
To help users clearly understand the loan cost rules, we provide a detailed and compliant loan calculation example with full calculation steps, no hidden fees:
Calculation Basic Settings
Loan Principal: RM 3,000 | Fixed Annual Interest Rate: 24% APR | Loan Repayment Period: 12 months (Equal Monthly Repayment)
Step 1: Calculate Total Annual Interest
Total Annual Interest = Loan Principal × Annual Interest Rate = 3000 × 24% = RM 720
Step 2: Calculate Total Repayment Amount (Principal + Full Interest)
Total Repayable Amount = Principal + Total Annual Interest = 3000 + 720 = RM 3720
Step 3: Calculate Fixed Monthly Repayment Amount
Monthly Repayment = Total Repayable Amount ÷ Repayment Months = 3720 ÷ 12 = RM 310 per month
Final Settlement Details
Total Principal Repaid: RM 3000 | Total Interest Repaid: RM 720 | Total Overall Repayment: RM 3720
Important Reminder: The above is a standard fixed-rate calculation example. The final loan amount, interest rate, term and total repayment amount shall be subject to the final review result and contract terms of the official cooperative lending institution. The platform does not participate in loan review, fund issuance and interest setting.

User Eligibility
This app is only available for users aged 18 and above. Minors are prohibited from using this platform and related services.

Platform Data & Service Instructions
Our platform integrates Adjust third-party statistics tool only for anonymous app operation data statistics and product optimization. We strictly protect user privacy, will not disclose, sell or share any user personal private information with unrelated third parties. User personal data is only used for internal credit evaluation and loan matching services with official cooperative institutions.

Contact Information
Email: [email protected]
Address: 261, Jalan Jejaka 950000 Kuala Lumpur Kuala Lumpur , Malaysia