How to verify more carefully
- 01
Check company and office identity
Borrowers should know exactly who they are dealing with before sharing documents or money.
- 02
Review the process in writing
A cleaner route is explained through official written steps, not just rushed chats.
- 03
Understand the repayment structure
Monthly affordability matters, but total repayment and risk behaviour matter too.
- 04
Stop at the first major red flag
Borrowers under stress often ignore the first warning sign and regret it later.
Verification checklist
- Official website and contact path
- Office or company identity
- Written steps and terms
- Repayment and fee explanation
Do not ignore these
- Payment to personal accounts
- No written explanation
- Pressure to decide immediately
- Claims of guaranteed approval
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.