How to prepare a cleaner file
- 01
Start with identity and income
Core ID and income documents usually determine whether the file can move at all.
- 02
Pair income with bank evidence
A payslip without matching credits often creates more questions than confidence.
- 03
Explain unusual movements early
Large transfers, cash deposits, or irregular credits should make sense in the file.
- 04
Keep one consistent pack ready
Scattered versions and mixed dates are one of the easiest ways to slow down review.
Priority documents
- IC or identification
- Payslips or income proof
- Bank statements
- EPF or tax support where relevant
What slows reviews down
- Missing statement pages
- Unreadable screenshots
- Income that cannot be traced in bank statements
- Using old documents after circumstances changed
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.