Trusted by 1,000+ Malaysians
Select a Loan Product
Competitive rates starting from 3.5% p.a. Eligibility analysis within 24 hours.
Eligibility Analysis — RM30
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.
Personal Loan
Quick cash when you need it
- No collateral needed
- 24hr analysis
- Flexible tenure
Business Loan
Scale your business with confidence
- Working capital
- Asset financing
- Expansion support
Easy Process
How It Works
Three steps to get lender-ready with GURU Credits
- 01
1. Share Your Profile
Tell us your goals, income, and existing commitments in 5 minutes.
- 02
2. Get Expert Analysis
We analyze your CCRIS/CTOS and DSR, then shortlist the right banks.
- 03
3. Submission & Guidance
Receive personalized guidance through submission and follow-up.
Frequently Asked Questions
Everything you need to know about our loan services
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.
Check who you are dealing with before you submit anything
We want borrowers to verify our office details, official channels, privacy practices, and licensing route before sharing documents or making payment.
Office and company identity
Review our registered business address, service scope, and the channels we use for borrower communication.
PDPA and document handling
Understand how we handle borrower data, when we ask for documents, and which channels are official.
How to verify the process
Check the signs of a legitimate flow versus scam behaviour before making any decision.
Ready to start your loan journey?
Get a RM30 eligibility analysis with expert guidance and bank recommendations.
No payment on this website. Next steps are explained on official WhatsApp.