How to choose the right route
- 01
List every facility clearly
You cannot choose well when you only know one or two problem debts but not the full picture.
- 02
Decide whether the pressure is monthly or structural
Consolidation helps monthly strain; settlement is more relevant when specific debts are already deeply problematic.
- 03
Estimate the repayment path honestly
A lower instalment that lasts too long may still be the wrong answer if behaviour does not change.
- 04
Use the route that stabilises the file first
For some borrowers, the priority is to stop deterioration before chasing an ideal rate.
Useful inputs
- Debt list with balances
- Minimum payments
- Income proof
- Any legal or arrears status
What creates the wrong decision
- Looking only at monthly instalment
- Ignoring high-risk debts
- Extending tenure blindly
- Trying to solve structural debt with another weak application
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.