What to review first
- 01
Read repayment patterns, not only the label
Old, isolated late markers are not treated the same as active or repeated issues.
- 02
Separate legal records from affordability issues
Some files fail because of legal or collection signals; others fail because the numbers no longer fit.
- 03
Check current affordability at the same time
A cleaner file can still be declined when DSR is too high.
- 04
Use the right route after diagnosis
Some borrowers need cleanup, some need a smaller request, and some need a different product path.
Useful checks
- Latest CCRIS and CTOS reports
- Current debt and card commitment list
- Income proof and recent bank statements
- Any settlement or release letters already available
More questions
Who is eligible to apply for a loan through GURU Credits?
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.
What is the minimum monthly salary required?
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.
Is there an age limit to apply?
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.