Data-driven loan guidance, tailored to your credit profile.
Check your approval fit, DSR, and CCRIS/CTOS issues first. We help structure the right borrowing route before you submit a full application.
Check your approval fit before you apply
Share four quick details. We will review the right route for your profile and WhatsApp you before you commit to a full application.
Our Approach
"We review your actual credit file first before recommending the next move."
- Licensed under Moneylenders Act 1951
- PDPA compliant · end-to-end encrypted
- 24-hour written analysis
- 1,000+ Malaysians served
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.
What you receive in the first 48 hours
A written review, a document plan, and a clear next step.
We do not leave borrowers guessing. After we review your profile, we explain the likely route, the friction points, and what to prepare before any formal submission.
Borrower profile snapshot
A practical read on income strength, current commitments, and the main issues likely to affect approval.
CCRIS, CTOS, and DSR interpretation
A written explanation of the file signals that matter most, with a clearer view of affordability and lender fit.
Priority document checklist
You will know what to send first, what can wait, and which missing items are most likely to slow the case down.
Suggested route and amount range
Instead of a vague promise, we outline the route that looks most workable for your profile and commitment level.
Official WhatsApp follow-up
The consultant continues the review with written next steps, clarifications, and secure document handling through official channels.
Verified process and payment guidance
If a report or review fee applies, we explain it only through our official WhatsApp after confirming your details.
No payment is collected on this website. Borrowers should verify the process, the official contact details, and the next step before sending documents or money.
Start eligibility reviewMonthly installment quick reference
At 4.88% per annum flat rate. Reference only — your actual offer depends on your credit profile and DSR.
| LOAN AMOUNT | 1yrs | 2yrs | 3yrs | 4yrs | 5yrs | 6yrs | 7yrs |
|---|---|---|---|---|---|---|---|
| RM 5,000 | RM 437 /month | RM 229 /month | RM 159 /month | RM 125 /month | RM 104 /month | RM 90 /month | RM 80 /month |
| RM 10,000 | RM 874 /month | RM 457 /month | RM 318 /month | RM 249 /month | RM 207 /month | RM 180 /month | RM 160 /month |
| RM 20,000 | RM 1,748 /month | RM 915 /month | RM 637 /month | RM 498 /month | RM 415 /month | RM 359 /month | RM 319 /month |
| RM 30,000 | RM 2,622 /month | RM 1,372 /month | RM 955 /month | RM 747 /month | RM 622 /month | RM 539 /month | RM 479 /month |
| RM 50,000 | RM 4,370 /month | RM 2,287 /month | RM 1,592 /month | RM 1,245 /month | RM 1,037 /month | RM 898 /month | RM 799 /month |
| RM 80,000 | RM 6,992 /month | RM 3,659 /month | RM 2,548 /month | RM 1,992 /month | RM 1,659 /month | RM 1,436 /month | RM 1,278 /month |
| RM 100,000 | RM 8,740 /month | RM 4,573 /month | RM 3,184 /month | RM 2,490 /month | RM 2,073 /month | RM 1,796 /month | RM 1,597 /month |
Figures rounded to nearest RM. Processing, stamp duty and insurance fees not included.
Loans We Offer
Personal and business financing with clear requirements, transparent fees, and a guided submission path.
Personal Loan
For medical bills, short-term cashflow, or planned household expenses — structured on your income and credit profile
Business Loan
Working capital and expansion financing for SMEs with flexible tenure
Debt Consolidation
Combine multiple high-interest debts into one manageable monthly payment
Transparent Rate Disclosure
Indicative rates across common loan products in Malaysia. Actual rate depends on your DSR, credit profile and the lender.
Personal Loan
Business Loan
Debt Consolidation
Emergency Loan
Rates shown are indicative only and are subject to change by the respective banks. BNM-regulated effective rates may differ from advertised flat rates.
How It Works
Get lender-ready in just 3 simple steps
Apply Online
Fill out our simple online form with your basic information
5 minutesQuick Review
Our team reviews your application and processes it quickly
24 hoursSubmit to Bank
We help submit to the right lenders and guide your follow-up
Same-day submissionCompetitive rates from 4.88% flat rate
Anonymised cases from the past 12 months
Names changed, numbers kept. Each case below shows the borrower profile, the blocker we identified, and the action taken before submission.
Encik Rajesh K., 34
Shah Alam, Selangor
IT manager, 6 years with same employer
The problem
Had two 30-day late markers on a credit card from 2023. Rejected by Maybank and CIMB for a home loan in the same month.
- Reviewed the late-payment pattern against lender scoring differences.
- Prepared a cleaner submission pack with payslips, bank statements, and an explanation note.
- Matched the case to a lender with a more workable appetite for older cleared markers.
RM 420,000
Home loan, 35-year tenure, BR + 0.95%
“I thought I had to wait another year for those late markers to age off. GURU showed me that Hong Leong scores late markers differently from MBB — I got approved the same month.”
Encik Tan W.M., 41
George Town, Penang
Sole proprietor, 4-year F&B business
The problem
Needed working capital for new outlet. All three banks she walked into asked for 2 years of audited accounts she did not have yet.
- Reworked the file around bank statements, tax records, and consistent cash flow evidence.
- Removed banks that were too audit-heavy for this stage of the business.
- Prepared a tighter checklist before submission to avoid repeated walk-ins and mixed messaging.
RM 180,000
Business term loan, 5-year tenure, 5.2% p.a.
“Branch staff kept saying I need 2 years audited. GURU pointed me to SME Bank and an alternative doc list — bank statements + tax returns were enough.”
Encik Faiz H., 29
Kuantan, Pahang
Staff nurse, contract-to-permanent in month 11
The problem
Stuck with 4 personal loans and 2 credit cards taking RM 2,800/month. DSR above 70%, no one would refinance.
- Recalculated DSR facility by facility instead of relying on rough estimates.
- Shifted the case from a generic refinance angle to a debt-consolidation route.
- Timed the submission around the contract-to-permanent transition and supporting documents.
RM 95,000
Debt consolidation at 6.5% p.a., saves RM 620/month
“Every broker told me to go AKPK first. GURU found a Bank Rakyat consolidation product that fit my contract conversion — saved RM 620 every month.”
Cases are real but names and minor details have been changed to protect client privacy. Results depend on your individual profile — past outcomes do not guarantee future approvals.
Start eligibility reviewFour things we do that brokers cannot.
- You borrow directly from a licensed lender, not through a middleman chasing commission
- Every RM30 CTOS report comes with a full written analysis: CCRIS read, DSR recalculated, structured loan offer
- We say "no" upfront if we cannot approve you — better than a silent drop-off after 14 days
- 24-hour written turnaround, tracked by reference number — if we miss it, we flag it to you first
Risk Warning
Loan approvals are subject to bank assessment. Borrow responsibly. Failure to repay on time may affect your credit score and incur late-payment fees. Please review loan terms carefully before committing.
Transparency Disclosure
- GURU Credits operates under a Moneylenders Act 1951 license issued by KPKT.
- The RM30 charge covers your CTOS credit report pull — a cost passed through to the credit reporting agency. Our analysis and loan structuring are included.
- Advertised rates are indicative and comply with the statutory caps under the Moneylenders (Control and Licensing) Regulations. Actual rates depend on your credit profile.
- No payment is collected on this website. The RM30 CTOS fee is settled only through our official WhatsApp after we confirm your details.
Your data is encrypted end-to-end
TLS 1.2+ in transit
All data transfers use HTTPS with modern ciphers
AES-256-GCM at rest
NRIC and sensitive fields encrypted in the database
PDPA 2010 aligned
We follow Malaysia Personal Data Protection Act
Zero-payment on site
No payment collected on website — WhatsApp only
Frequently Asked Questions
Quick answers to help you understand our loan services better.
Get a written eligibility review before you send full documents.
Start with your profile first. We then explain the likely route, the main blockers, and what to prepare next through our official channels before any formal submission.
No payment on this website · Next steps are explained through official WhatsApp after profile review