Before you borrow
Practical answers about documents, credit records, costs and regulatory changes.
No payslip?
Understand alternative income documents before applying for a personal loan.
Read guideCCRIS and CTOS
Understand credit record differences and how to check your information.
Read guidePersonal financing in 2027
The dates and scope of changes to flat rates, Rule of 78 and effective-rate disclosures.
Read guideIf your loan is declined
Review documents, product conditions and commitments before another application.
Read guideHow to calculate DSR for a personal loan
DSR formula, a RM3,000 net income example and the effect of a new instalment.
Read guideFlat rate vs effective rate for personal loans
Compare how interest is calculated and see a worked RM10,000 instalment example.
Read guideCar loan early settlement in Malaysia
Find official bank channels for a car loan settlement quote and check the amount due before you pay.
Read guide