Choose Your Loan Type
Competitive rates starting from 3.5% p.a. Eligibility analysis within 24 hours.
One-time fee includes CCRIS/CTOS check, DSR calculation & bank recommendations
No payment on this website. The RM30 CTOS report fee is collected only through our official WhatsApp after we confirm your details.
Select a Loan Product
p.a.
Personal Loan
Quick cash when you need it
p.a.
Business Loan
Scale your business with confidence
How It Works
Three steps to get lender-ready with GURU Credits
1. Share Your Profile
Tell us your goals, income, and existing commitments in 5 minutes.
2. Get Expert Analysis
We analyze your CCRIS/CTOS and DSR, then shortlist the right banks.
3. Submission & Guidance
Receive personalized guidance through submission and follow-up.
Our consultants guide you from eligibility assessment to bank submission, so you always know the next step.
Frequently Asked Questions
Everything you need to know about our loan services
What do I need to apply?
Identity card, 3 month payslips, and 3 month bank statements. That’s enough to start the analysis.
How fast is the analysis?
Most analyses are completed within 24 hours once you submit all required documents.
Is the RM30 fee refundable?
The RM30 covers your credit analysis and action plan, so it is non-refundable.
Can I apply if I had CCRIS issues before?
Yes. We specialize in helping applicants with CCRIS/CTOS issues by recommending suitable banks.
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 start your loan journey?
Get a RM30 eligibility analysis with expert guidance and bank recommendations.