About Lim
Wei Sheng began his career in the financing department of a local bank before becoming an independent financial consultant. Over 12 years he has helped car buyers understand the difference between the flat rate shown in advertisements and the effective interest rate (EIR) they actually pay. At KiraLoan, he makes sure every calculation displays the EIR transparently so users see the true cost of a loan, not just a marketing figure.
Qualifications & Experience
- 12 years in vehicle financing & personal financial planning
- Former executive in a local bank hire-purchase department
- Focus: EIR calculation, reducing-balance method, bank-to-bank rate comparison
Areas of Expertise
How we work
Every KiraLoan calculator and guide is reviewed for accuracy: formulas are verified, bank rates are marked as indicative, and we do not invent figures that have no official source. Read our full methodology & data sources →
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