Data-driven loan guidance, tailored to your credit profile.
We analyse your DSR, CCRIS/CTOS file and structure a loan offer that fits your profile — directly from us as your licensed lender.
Our Approach
"We work with your actual credit file — not generic offers."
- Licensed under Moneylenders Act 1951
- PDPA compliant · end-to-end encrypted
- 24-hour written analysis
- 1,000+ Malaysians served
What the RM30 covers
Your CTOS credit report — and the full analysis that sits on top.
The RM30 is a pass-through charge for pulling your CTOS credit report from the reporting agency. The CCRIS read, DSR recalculation, loan structuring, and written recommendation are all bundled into our licensed lending service at no extra cost.
Your full CTOS credit report (pass-through cost)
The RM30 is the exact fee CTOS charges to pull your report. It is not our revenue — we pass it through to the credit reporting agency.
CCRIS + CTOS interpretation, written out line by line
We explain every late marker, special attention code, and trade-line — not just a raw PDF dump. Bundled, no extra charge.
DSR recalculated against our lending criteria
Your debt-service ratio reviewed against our licensed lending rules — with a clear view of the maximum facility we can extend to you.
Tailored loan structure — our offer to you
Recommended tenure, rate band within statutory caps, repayment plan, and maximum approvable amount under our licensed facility.
Estimated monthly repayment + approvable amount
Realistic figures you can plan around — rate range, tenure, and a back-of-envelope amortisation.
Delivered via email + WhatsApp within 24h
The RM30 is collected only after we confirm your details on our official WhatsApp — never through this website.
The RM30 covers the CTOS report pull and is non-refundable once the report has been generated. Even if no product fits, you keep the report and the written analysis.
Pull my CTOS report & startMonthly installment quick reference
At 4.88% per annum flat rate. Reference only — your actual offer depends on your credit profile and DSR.
| LOAN AMOUNT | 1yrs | 2yrs | 3yrs | 4yrs | 5yrs | 6yrs | 7yrs |
|---|---|---|---|---|---|---|---|
| RM 5,000 | RM 437 /month | RM 229 /month | RM 159 /month | RM 125 /month | RM 104 /month | RM 90 /month | RM 80 /month |
| RM 10,000 | RM 874 /month | RM 457 /month | RM 318 /month | RM 249 /month | RM 207 /month | RM 180 /month | RM 160 /month |
| RM 20,000 | RM 1,748 /month | RM 915 /month | RM 637 /month | RM 498 /month | RM 415 /month | RM 359 /month | RM 319 /month |
| RM 30,000 | RM 2,622 /month | RM 1,372 /month | RM 955 /month | RM 747 /month | RM 622 /month | RM 539 /month | RM 479 /month |
| RM 50,000 | RM 4,370 /month | RM 2,287 /month | RM 1,592 /month | RM 1,245 /month | RM 1,037 /month | RM 898 /month | RM 799 /month |
| RM 80,000 | RM 6,992 /month | RM 3,659 /month | RM 2,548 /month | RM 1,992 /month | RM 1,659 /month | RM 1,436 /month | RM 1,278 /month |
| RM 100,000 | RM 8,740 /month | RM 4,573 /month | RM 3,184 /month | RM 2,490 /month | RM 2,073 /month | RM 1,796 /month | RM 1,597 /month |
Figures rounded to nearest RM. Processing, stamp duty and insurance fees not included.
Loans We Offer
Personal and business financing with clear requirements, transparent fees, and a guided submission path.
Personal Loan
For medical bills, short-term cashflow, or planned household expenses — structured on your income and credit profile
Business Loan
Working capital and expansion financing for SMEs with flexible tenure
Debt Consolidation
Combine multiple high-interest debts into one manageable monthly payment
Transparent Rate Disclosure
Indicative rates across common loan products in Malaysia. Actual rate depends on your DSR, credit profile and the lender.
Personal Loan
Business Loan
Debt Consolidation
Emergency Loan
Rates shown are indicative only and are subject to change by the respective banks. BNM-regulated effective rates may differ from advertised flat rates.
How It Works
Get lender-ready in just 3 simple steps
Apply Online
Fill out our simple online form with your basic information
5 minutesQuick Review
Our team reviews your application and processes it quickly
24 hoursSubmit to Bank
We help submit to the right lenders and guide your follow-up
Same-day submissionCompetitive rates from 4.88% flat rate
Anonymised cases from the past 12 months
Names changed, numbers kept. Every case below completed our RM30 analysis, was matched to a bank, and was approved within the timeline shown.
Encik Rajesh K., 34
Shah Alam, Selangor
IT manager, 6 years with same employer
The problem
Had two 30-day late markers on a credit card from 2023. Rejected by Maybank and CIMB for a home loan in the same month.
RM 420,000
Home loan, 35-year tenure, BR + 0.95%
“I thought I had to wait another year for those late markers to age off. GURU showed me that Hong Leong scores late markers differently from MBB — I got approved the same month.”
Encik Tan W.M., 41
George Town, Penang
Sole proprietor, 4-year F&B business
The problem
Needed working capital for new outlet. All three banks she walked into asked for 2 years of audited accounts she did not have yet.
RM 180,000
Business term loan, 5-year tenure, 5.2% p.a.
“Branch staff kept saying I need 2 years audited. GURU pointed me to SME Bank and an alternative doc list — bank statements + tax returns were enough.”
Encik Faiz H., 29
Kuantan, Pahang
Staff nurse, contract-to-permanent in month 11
The problem
Stuck with 4 personal loans and 2 credit cards taking RM 2,800/month. DSR above 70%, no one would refinance.
RM 95,000
Debt consolidation at 6.5% p.a., saves RM 620/month
“Every broker told me to go AKPK first. GURU found a Bank Rakyat consolidation product that fit my contract conversion — saved RM 620 every month.”
Cases are real but names and minor details have been changed to protect client privacy. Results depend on your individual profile — past outcomes do not guarantee future approvals.
Apply for your RM30 analysisFour things we do that brokers cannot.
- You borrow directly from a licensed lender, not through a middleman chasing commission
- Every RM30 CTOS report comes with a full written analysis: CCRIS read, DSR recalculated, structured loan offer
- We say "no" upfront if we cannot approve you — better than a silent drop-off after 14 days
- 24-hour written turnaround, tracked by reference number — if we miss it, we flag it to you first
Risk Warning
Loan approvals are subject to bank assessment. Borrow responsibly. Failure to repay on time may affect your credit score and incur late-payment fees. Please review loan terms carefully before committing.
Transparency Disclosure
- GURU Credits operates under a Moneylenders Act 1951 license issued by KPKT.
- The RM30 charge covers your CTOS credit report pull — a cost passed through to the credit reporting agency. Our analysis and loan structuring are included.
- Advertised rates are indicative and comply with the statutory caps under the Moneylenders (Control and Licensing) Regulations. Actual rates depend on your credit profile.
- No payment is collected on this website. The RM30 CTOS fee is settled only through our official WhatsApp after we confirm your details.
Your data is encrypted end-to-end
TLS 1.2+ in transit
All data transfers use HTTPS with modern ciphers
AES-256-GCM at rest
NRIC and sensitive fields encrypted in the database
PDPA 2010 aligned
We follow Malaysia Personal Data Protection Act
Zero-payment on site
No payment collected on website — WhatsApp only
Frequently Asked Questions
Quick answers to help you understand our loan services better.
Get your credit report and written analysis before the end of the day.
Submit the form, settle the RM30 CTOS report fee through our official WhatsApp after we confirm your details, and receive a full written analysis within 24 business hours: CCRIS + CTOS interpretation, DSR across lending criteria, and a tailored loan recommendation.
No payment on this website · RM30 CTOS fee settled via official WhatsApp after confirmation