Our Score for KST

Office Environment

Terms of Repayment

Additional Documents Required

Difficulty of Reference Checks

Processing Time

Staff Politeness

Staff Behaviour

Cash Terms vs Bank Transfer

Processing Fees - To find the % processing fees, the amount deducted from your loan amount to be divided by loan amount. Multiply by 100. (Example, borrowed $1000. However you only get back $900. $100 is the processing fees. So take 100/1000 = 0.1. Then take 0.1 x 100 = 10%

Interest - To calculate, find the difference between your borrowed and repayment amount. Then divide the difference by the borrowed and multiply by 100. (Example you borrowed $1000. Amount to be returned in a month's time or 5 weeks is $1040. So diff is 1040 -1000 = 40. Then take 40/1000 = 0.04. So, 0.04 x 100 = 4%).

Late Charge

On prompt payment, did the collection officer acknowledged your text message?

On late payment, did the collection officer reminded you of your late payment by text or call?

On late payment, did the collection officer sounded threatening or has an angry tone of voice (ie started scolding, yelling)?

On late payment, did your collection officer allows for negotiation for repayment?

On late payment, did your collection officer continue to harass you over the phone?

On late payment, what has the moneylender done to retrieve their sum of money?

On your final repayment, did your collection officer acknowledged your text and affirmed it as a final payment / account closure?