Who is behind the numbers

KiraLoan is put together by a small team with backgrounds in financing, banking and cost analysis. Every calculator and guide is reviewed for accuracy — because in finance, a wrong figure is no small matter.

Lim Wei Sheng

Financial Consultant · EIR & Interest Rate Specialist

Effective interest rate (EIR), bank rate comparison & financing structure

12+ years · Finance Degree

Nurul Aisyah binti Kamarudin

Vehicle Financing Analyst

Car loans, hire purchase & down payment

9+ years · Islamic Banking Degree

Hafiz Rahman

Consumer Finance Writer · DSR & Affordability

Household budgeting, DSR & loan eligibility

7+ years · Economics Degree

Sangeetha Krishnan

Auto Ownership Cost Analyst

Road tax, insurance & the true cost of owning a car

8+ years · Actuarial Science Degree

Zulhilmi bin Abdul Aziz

Hire-Purchase Policy Researcher · Former Bank Officer

Hire-Purchase Act 2026, BNM guidelines & early settlement

15+ years · Master of Commercial Law

Farah Liyana binti Othman

Refinancing & Loan Restructuring Specialist

Car refinancing, lowering instalments & restructuring tenure

10+ years · Financial Management Degree

The team will grow — more specialists added over time.