A cleaner way to start
- 01
Check your record before you ask for money
Even first-time borrowers may have PTPTN, telco, card, or legal issues they are unaware of.
- 02
Know your repayment capacity early
The right amount is not the maximum amount. It is the amount your file can realistically support.
- 03
Prepare documents before inquiries spread
Poorly timed first applications create unnecessary early declines.
- 04
Use one coherent route first
A targeted application strategy is stronger than testing many routes randomly.
Starter checklist
- CCRIS and CTOS review
- Income proof
- Bank statements
- Existing commitments list
Beginner traps
- Applying based on ads alone
- Skipping file review
- Ignoring debt-service capacity
- Submitting incomplete documents
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.