Debt Consolidation
Combine multiple debts into one manageable monthly payment. Lower your interest rate and pay off debt faster.
RM2,000+
Average Monthly Savings
50%
Lower Interest Rate
1
Simple Payment
24hr
Fast Approval
Why Consolidate Your Debts?
Lower Interest Rates
Replace high-interest credit card debts (18-24%) with a single loan at 6-9% p.a.
One Monthly Payment
No more juggling multiple due dates. Just one payment to manage each month.
Pay Off Faster
With lower interest, more of your payment goes to principal, helping you become debt-free sooner.
Save Money
Most customers save RM500-2,000+ per month by consolidating their debts.
See How Much You Could Save
Credit Card 1
18% interest
RM800
Credit Card 2
24% interest
RM600
Personal Loan
12% interest
RM500
Car Loan
3.5% interest
RM900
Total Monthly Payment
RM2,800/month
Single Loan at
7.5%
New Monthly Payment
RM1,800/month
Monthly Savings
RM1,000
- You have multiple credit card debts
- You are paying high interest rates (above 10%)
- You struggle to track multiple payment dates
- Your total debt payments exceed 50% of income
- You want to become debt-free faster
How It Works
Submit Your Details
Tell us about your current debts and income
Get Analysis
We analyze your situation and find the best consolidation option
Bank Decision
Once approved by the bank, your existing debts are settled by the lender
One Payment
Make one simple monthly payment at a lower rate
Important Considerations
- Debt consolidation works best when you commit to not taking on new debt
- Total interest paid may be higher if loan tenure is extended significantly
- Your credit score may be temporarily affected when applying
Debt Consolidation FAQ
Most plans cover credit cards and personal loans. Hire purchase eligibility depends on the bank.
Usually yes, if the new rate is lower and tenure is structured properly.
Expect improvements after 3-6 clean payment cycles once arrears are cleared.
We prioritize transparency, privacy, and responsible lending guidance.
PDPA-first handling
Your documents are reviewed securely and never shared without consent.
Transparent fee notice
The RM30 CTOS report fee is a pass-through charge — collected only via official WhatsApp after we confirm your details.
Bank-ready documentation
We align documents with lender expectations to avoid avoidable rejections.
Ready to Simplify Your Finances?
Get a free debt consolidation analysis. No obligation, no hidden fees.