Personal Loan
From 4.88% flat p.a. Loan amounts up to RM100,000 with flexible tenure from 1-7 years.
View detailsAbout Us
About GURU Credits
Your trusted loan consultation partner in Malaysia. We provide fast eligibility analysis and loan structuring with indicative rates starting from 4.88% per annum.
Our Mission
Making Loans Simple & Accessible
At GURU Credits, we believe everyone deserves access to fast, affordable financing when they need it. We understand that life can bring unexpected expenses and opportunities that require quick financial solutions.
Our mission is to provide transparent, hassle-free loan guidance with indicative rates and fast analysis. No hidden fees, no complicated paperwork — just clear recommendations when you need them.
Whether you need a personal loan, debt consolidation, or emergency funding, we’re here to help you achieve your financial goals.
1,000+Applications Guided
4.88%From Rate
24hrFast Analysis
Built for Safe, Verified Guidance
We prioritize transparency, privacy, and responsible lending guidance.
PDPA-aligned handling
We only collect essentials and store data securely.
No upfront payments
Eligibility fees are only collected via official WhatsApp after submission.
Transparent comparisons
We show effective costs, not just headline rates.
Nationwide Coverage
We support applicants across Malaysia, including Sabah and Sarawak, with WhatsApp-first guidance and bank-ready prep.
Kuala LumpurSelangorPenangJohorSabahSarawak
Coverage is nationwide and continues to expand.
Our Journey
Our Story
From humble beginnings to helping thousands of Malaysians achieve their financial goals.
- 2019
Founded
Started with a mission to provide accessible loan guidance to all Malaysians.
- 2020
Online Launch
Launched our online platform for faster eligibility analysis.
- 2021
500 Clients
Reached our first 500 guided applications milestone.
- 2023
1000+ Clients
Guided over 1000 applications for Malaysians nationwide.
- 2024
Expansion
Expanded our licensed lending capacity with broader business and consolidation products.
Meet the Team
The people behind every loan we extend
No bots, no outsourced call centre. Every application is personally reviewed by one of the loan officers below.
Founder & Principal Loan Consultant
12+ years experience
Former credit manager at a Malaysian commercial bank · CCRIS/CTOS dispute specialist · 12+ years in lending
Spent eight years inside Malaysian bank credit departments before founding GURU Credits as a Moneylenders Act 1951 licensed lender. Personally reviews complex CCRIS cases and signs off on the written analysis that accompanies every loan offer.
Senior Credit Consultant
9+ years experience
Certified Credit Counsellor (AKPK-aligned training) · Former branch officer at two Malaysian banks · 9 years in consumer credit
Specialises in debt-consolidation planning and borrowers recovering from AKPK enrolment. Fluent in Bahasa Malaysia, English and Tamil, and handles roughly 40% of consultations with first-language Malay-speaking clients.
SME & Business Loan Officer
7+ years experience
Former commercial credit assessor · 7 years underwriting SME facilities · Specialises in cash-flow-based and asset-backed lending
Handles SME applications — from sole proprietorships to Sdn Bhd operators. Reviews cash-flow documents, tax filings, and director CCRIS to structure business facilities that sit safely within our statutory rate caps.
What We Stand For
Our Core Values
These principles guide everything we do and how we serve our clients.
Trust & Security
Your personal and financial data is handled with the highest level of confidentiality. We comply with PDPA guidelines and use SSL encryption.
Transparency
No hidden fees or surprises. All rates, terms, and charges are clearly disclosed upfront before you commit.
Fast Service
We understand urgency. Most eligibility analyses are completed within 24 hours; bank approval timelines vary.
Fair Guidance
Indicative rates starting from 4.88% with repayment insights tailored to your financial situation.
Loan Products
What We Offer
Debt Consolidation
Combine multiple high-interest debts into one manageable monthly payment.
View detailsEmergency Loan
Fast eligibility analysis for urgent financial needs.
View detailsGet a written answer before you send documents.
Start with four details. We reply on official WhatsApp with the likely route and what to prepare.
No payment on this website. Next steps are explained on official WhatsApp.