What makes commission income bankable
- 01
Show recurring inflow
Lenders usually care more about recurring credits than one-off strong months.
- 02
Support with statements or payout records
Commission slips, remittance advice, or platform statements help make the pattern credible.
- 03
Separate business and personal cash noise
Mixed transfers with no explanation weaken the file.
- 04
Use a realistic monthly average
A sensible averaged figure often works better than presenting only the highest earning month.
Helpful supporting proof
- Commission statements
- Bank credits over 6-12 months
- Agency or contract proof
- Tax support where available
What weakens the file
- Only showing one strong month
- No banked trail
- Cash-heavy income with no explanation
- Large amount request despite unstable average
Questions
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.