Frequently Asked Questions

Yes, 100% zero upfront fees. We only charge after your loan is approved and disbursed. Our fee is a percentage of the loan amount (typically 1-3%), clearly stated before you commit. If your loan is rejected, you pay nothing. For DSR optimization and debt consolidation services, completely FREE for loan clients.

We can't guarantee 100% approval (no one can), but we significantly improve your chances. Based on 500+ clients: 60-80% approval rate after DSR optimization (vs 20-30% without optimization). If your loan is rejected after our optimization, you pay nothing. We also offer 1 FREE revision for our optimization plans.

No negative impact. We only do soft checks (no hard inquiries that affect your score). Our DSR optimization actually IMPROVES your credit score by helping you pay debts on time and reduce utilization. However, when you apply for loans through us, banks will do hard checks (this is normal and necessary).

Basic documents: (1) IC copy, (2) Latest 3 months payslips or bank statements (for income proof), (3) Latest 3 months credit card statements and loan statements (for debt analysis), (4) EPF statement (if available). For self-employed: Business registration, 6 months bank statements, tax returns. We'll send you a complete checklist after initial consultation.

DSR assessment: Instant (free online calculator) or 24 hours (detailed analysis). Debt restructuring plan: 3-5 business days. Loan application submission: 1-2 days (after you provide documents). Bank approval: Average 21-25 days (vs market average 45 days). Fastest case: 18 days. Slowest: 35 days.

If rejection is due to our optimization quality issues (not your business fundamentals), we refund 50% of the fee. However, if rejection is due to factors beyond our control (e.g., sudden job loss, new debts you took on, bank policy changes), standard terms apply. We're transparent about this upfront.

Yes, we work with 50+ licensed financial institutions: All major banks (Maybank, CIMB, Hong Leong, RHB, Public Bank, etc.), digital banks (GXBank, Boost Bank, etc.), and licensed fintech companies. We only work with Bank Negara Malaysia regulated institutions. No loan sharks, no illegal lenders.

Yes! In fact, self-employed clients benefit most from our services. Different banks recognize self-employed income differently (RHB: 60%, Hong Leong: 90%). We help you choose banks that recognize more of your income. Real example: RM 10K/month income, RHB recognizes RM 6K, Hong Leong recognizes RM 9K. Loan capacity difference: RM 496K over 10 years.

Yes, but results take longer. We provide credit repair strategies (3-6 months improvement plan). However, if your score is below 600, we recommend fixing credit first before applying for new loans. We can help with both: credit repair + loan application.

Yes, our website and services are available in English, Chinese (中文), and Bahasa Malaysia. Our consultants can communicate in all three languages. WhatsApp consultations available in your preferred language.