FAQ

Frequently Asked Questions

Do you charge any fees? ▾
Your profile check and consultation are completely free, and there is nothing to pay upfront — no deposit, no processing fee, no hidden charges. You only pay a success fee once your loan is approved and disbursed. If your loan is not approved, you pay nothing.
Why use a loan advisor instead of applying at the bank myself? ▾
Applying to a single bank and getting rejected can dent your credit record and cost you weeks. We compare options across many banks, match you to the ones that best fit your profile, and help you present your application properly — saving you time and improving your chances. Our advice stays free unless your loan is approved.
What documents do I need to apply? ▾

To get started, you only need three things:

  • CTOS report
  • Last 3 months’ payslips
  • Last 3 months’ bank statements
How long does approval take? ▾

It depends on the type of financing:

  • Personal loans — 3 to 7 working days
  • Business loans — 2 to 4 weeks
  • Refinancing — 4 to 8 weeks (due to legal processes)
Can I apply if I am self-employed or a freelancer? ▾
Yes. Business owners, freelancers, commission earners and gig workers can all apply. The paperwork differs slightly — usually your bank statements and business or commission records in place of payslips — and we will guide you on exactly what each bank requires.
Can I apply with a low credit score (CCRIS / CTOS)? ▾
Yes. We work with clients from all credit backgrounds, including those with existing commitments. Message us for an honest, no-obligation assessment.
Can I apply if I am under AKPK? ▾
Yes. Being under AKPK does not automatically disqualify you — our advisors will review your case and recommend the most suitable options.
My DSR has burst — can I still apply? ▾
Yes. Helping clients whose DSR (Debt Service Ratio) has exceeded the limit is one of our specialities. We know which banks and strategies give you the best chance of approval.
Can I still apply if I already have existing loans? ▾
Yes. Having existing loans does not rule you out. If the repayments are becoming a burden, we can also look at debt consolidation — combining several commitments into a single, lower monthly repayment. Message us and we will review your situation.
Can I apply if I am working in Singapore? ▾
Yes. If you are a Malaysian working in Singapore, you may still qualify. Please contact our consultant for more information on the documents and options available to you.
Do you offer Islamic financing? ▾
Yes. We arrange both conventional and Islamic (Shariah-compliant) financing from Bank Islam, Bank Muamalat, Maybank Islamic and others — just let us know your preference.
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