Went one lml apply 6k , say want 8~10 instalment as told in phone conversation they said hv subject to approval ,chk here and there call my friends and ask me me manager number want to call , i almost fed up raise voice say take back ic no need borrow ,then change another higher rank officer attend me say ok ,nevermind just see thru my phone working whatsap ,then smiling face say the manager approved my loan 4k pay 5 months ,like want to congrat me ,monthly 10xx for 5 months ,i was shock the way they calculate, according the laws monthly 4% and in reducing basis ,how they count it? I turn down say consider first then manager came out keep persuade me to take the 4k then go other shop take 2k ? What the fu*k,i asked to take back ic and walk away , lucky the manager still very nice no rude.