Skip to content
Simplify Your Finances

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

Before Consolidation

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

After Consolidation

Single Loan at

7.5%

New Monthly Payment

RM1,800/month

Monthly Savings

RM1,000

Who Should Consider Debt Consolidation?
  • 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

1

Submit Your Details

Tell us about your current debts and income

2

Get Analysis

We analyze your situation and find the best consolidation option

3

Bank Decision

Once approved by the bank, your existing debts are settled by the lender

4

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

Which debts can be consolidated?

Most plans cover credit cards and personal loans. Hire purchase eligibility depends on the bank.

Will consolidation lower my monthly payment?

Usually yes, if the new rate is lower and tenure is structured properly.

How soon will CCRIS improve?

Expect improvements after 3-6 clean payment cycles once arrears are cleared.

Trust & Compliance

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.