Frequently Asked Questions

You typically need to be a Malaysian citizen or permanent resident, aged 21–60, with a regular income. Requirements vary slightly by loan product and lender. We review your CCRIS/CTOS profile, income, and DSR before matching you to a licensed lender — meeting these basics does not guarantee approval, as each bank makes its own final decision.

Minimum income requirements vary by product and lender, and are usually a few thousand ringgit a month for personal financing. Rather than quote one fixed figure that may not apply to your situation, we check your latest payslips or bank statements and tell you which lenders are a realistic fit for your income level.

Applicants are typically expected to be between 21 and 60 years old, though this can vary by lender and by product — some allow slightly older applicants if the loan matures before retirement age. We phrase this as "typically" because individual bank policies differ, and we will confirm the exact range for the product you are interested in.

Yes. Self-employed applicants are welcome to apply nationwide. Because you do not have a salary slip, lenders instead rely on your recent bank statements and tax filings (such as your income tax return) to verify income. Having at least a year or two of consistent business banking activity generally strengthens your application.

Yes, commission-based and gig-economy income (such as e-hailing, delivery, or freelance work) can be considered, but it is generally treated like self-employed income — lenders will want to see consistent bank statements or platform payout records over a reasonable period, since this income can fluctuate more than a fixed salary.

Yes. Our service covers borrowers nationwide, including Sabah, Sarawak, and the Federal Territory of Labuan, in addition to Peninsular Malaysia. The application process is entirely online, so your location does not limit which lenders we can help you reach, subject to each lender's own coverage.

Basic documents usually include a copy of your IC (front and back), recent salary slips, and recent bank statements. Exact requirements depend on the product and lender, and self-employed applicants need a different set. We will confirm the full checklist for your situation before you start uploading anything.

Self-employed applicants typically provide business registration documents, recent business or personal bank statements, and tax filings such as a Borang B or income tax return, in place of salary slips. These help lenders verify that your income is stable enough to support the loan you are requesting.

Some lenders allow a joint applicant or guarantor to strengthen an application, particularly where income alone may not fully meet DSR requirements. The guarantor or joint applicant will usually need to submit their own IC, income proof, and consent, and both parties should understand they share responsibility for repayment.

You do not need to source your own CCRIS report — banks pull this directly during their assessment. We do, however, obtain a CTOS report as part of our review process, which carries a separate RM30 fee collected only via our official WhatsApp, never through the website, and only after we confirm your details with you.

Lenders generally want your most recent bank statements to confirm your current income and spending pattern, typically covering the last few months rather than a single month. We will tell you the exact window each lender wants once we know which product you are being matched to.

You can still start your application with what you have. Our team will let you know exactly what is missing and can guide you on where to obtain it, such as requesting an EA form from your employer or an EPF/KWSP statement online, so you are not left guessing.

Personal loans we help arrange go up to RM100,000, over tenures of 1 to 7 years, from 4.88% flat per annum. Your actual rate depends on your credit profile, income, and the lender selected, and approval — including the exact rate offered — is never guaranteed until the bank confirms it in writing.

A flat rate is calculated on the original loan amount for the full tenure, so the interest amount looks the same every year. An effective rate accounts for the fact that your outstanding balance shrinks as you repay, so it more accurately reflects the true cost of borrowing than the flat rate alone.

Processing fees and stamp duty may apply depending on the lender and product. Rather than quote a figure that could be wrong for your specific offer, we make sure any such fee is clearly disclosed in the written offer from the bank before you sign anything, so there are no surprises.

The RM30 fee covers the cost of pulling your CTOS credit report as part of our eligibility review. It is collected only via our official WhatsApp number, after we have confirmed your details with you — we never collect this fee, or any fee, directly on the website.

No. We never ask for an upfront "unlock", "processing guarantee", or approval fee before any review has taken place. The only fee we collect before a bank decision is the RM30 CTOS report fee described above, and it is always through our official WhatsApp — treat any other request as a red flag.

Ask us — availability depends on the specific product and lender at the time you apply. Where a Shariah-compliant option exists, it is structured around a profit rate rather than interest, and we will point you to the right lender and explain the structure before you commit.

CCRIS is maintained by Bank Negara Malaysia and shows your credit facilities and repayment conduct as reported by banks. CTOS is a private credit reporting agency that can also include non-banking information such as legal records. Banks typically rely on CCRIS for lending decisions, while CTOS is used more broadly, including by us during review.

Your CCRIS report shows the last 12 months of repayment conduct, so late payments generally roll off this rolling window over time as you keep paying on schedule. This does not mean older issues are irrelevant to every lender, but the CCRIS conduct grid itself reflects a 12-month history rather than your entire lifetime record.

Common reasons include a high DSR relative to the bank's guideline (commonly around 60%, though this varies by bank), recent late payments on CCRIS, incomplete documentation, or an unstable income pattern. Every application is assessed individually, and we cannot guarantee approval, but we can usually explain the likely reason after a rejection.

Yes, you can re-apply, and many applicants are eventually approved after addressing the issue that caused the earlier rejection — for example, lowering your DSR, correcting a CCRIS discrepancy, or waiting until recent late payments age out of the 12-month history. We can advise on timing based on your specific situation.

DSR (Debt Service Ratio) is the percentage of your gross monthly income committed to debt repayments. Most banks use a guideline of around 60%, though this varies by bank and by your overall profile. A lower DSR generally improves your chances, since it shows more room in your income to service a new loan.

AKPK (Agensi Kaunseling dan Pengurusan Kredit) is a government-backed agency that provides free debt counselling and can help set up a structured repayment plan if you are struggling with multiple debts. It exists specifically for this purpose, and speaking with them alongside us can help you understand your options before or instead of taking on new credit.

Applying is simple: fill out our online form, upload your supporting documents, and our team completes a written review within 24 hours. We then guide you through submission to a suitable licensed lender and explain the next steps, including what the bank itself will ask for.

Our written review is completed within 24 hours of receiving your complete documents. This is our internal review timeline, not the bank's own approval timeline — final approval and disbursement timing depend entirely on the lender you are matched with.

It summarizes your eligibility profile based on your CCRIS/CTOS records, income documents, and DSR, and recommends which licensed lenders and products are a realistic fit for you. It is an eligibility assessment to guide your application, not a loan offer or a guarantee of bank approval.

Once the bank approves your application and you accept the written offer, the bank disburses the loan funds, typically directly into your bank account. Timing varies by lender, and any product-specific disbursement steps (such as for secured loans) will be explained in your offer letter.

We review your documents, complete our written review within 24 hours, and then help you submit to a suitable lender. From there, the bank conducts its own assessment, which may include requesting additional documents or clarification before reaching a decision.

No — approval is never guaranteed. We help match you to suitable licensed lenders and prepare your application, but the final credit decision always rests with the bank, based on its own underwriting criteria at the time you apply.

Repayment terms are set by the bank in your loan agreement, typically as fixed monthly instalments over the agreed tenure (for personal loans, 1 to 7 years). We walk you through what to expect before you sign, so the monthly commitment is clear upfront.

Early or full settlement is usually allowed, but whether a rebate or fee applies depends on the lender's specific policy and how the loan agreement calculates it. Check the settlement terms in your written offer, or ask us to review them with you before you commit to paying it off early.

Late payment charges follow the terms in your specific loan agreement with the bank, and a late payment will also be reflected in your CCRIS record. If you think you will miss a payment, contact your lender as early as possible — we can also advise on the general options available.

Contact your lender as soon as you anticipate difficulty, since banks are generally more flexible before an account falls into arrears than after. AKPK also offers free, government-backed debt counselling and can help you set up a structured repayment plan across multiple debts if needed.

Some banks offer restructuring or rescheduling options, such as adjusting the tenure or monthly instalment, for borrowers facing genuine financial hardship. Availability and terms are decided entirely by each bank on a case-by-case basis, so speak to your lender directly and consider looping in AKPK for guidance too.

Debt consolidation combines several existing debts into a single new loan with one monthly instalment, which can simplify your repayments and, depending on the new rate and tenure, may lower or raise your total monthly outlay. We can help you compare your current commitments against a consolidation offer before you decide.

Yes. We handle your data in line with the Personal Data Protection Act 2010 (PDPA), use encryption for data in transit, and store information securely. We do not share your information with third parties beyond what is necessary to process your loan application without your knowledge.

Yes. We operate under a licence issued under the Moneylenders Act 1951, regulated by KPKT. Every fee we charge is disclosed clearly, and the RM30 CTOS fee mentioned elsewhere in this FAQ is collected only via our official WhatsApp, never directly on this website.

We retain your data only as long as required for regulatory and record-keeping purposes. Once your loan is fully settled, you can request deletion of your personal data, and we will process that request in accordance with the PDPA.

We use WhatsApp for certain steps such as collecting the RM30 CTOS fee, but you can also reach us through our website and official channels. If you are ever unsure whether a WhatsApp number is genuinely ours, cross-check it against the number listed on our official site before sharing any payment details.

Be wary of anyone asking for an upfront "unlock" or guarantee-of-approval fee before any review, requests to pay into a personal (not company) bank account, promises of guaranteed approval regardless of your credit profile, or contact only through unofficial, unverifiable channels. Legitimate licensed lenders disclose fees in writing.

We only share what is necessary with the licensed lenders you are being matched to, so they can assess your application, and with credit reporting bodies such as CTOS as part of that review. We do not sell your data or pass it to unrelated third parties, in line with the PDPA.