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Take control with debt consolidation
Commitments too high, or told "no" before? We turn multiple high-interest debts into one lower payment, often from 3% p.a. This works even if you were rejected or your credit is imperfect.
Is this you?
Many debts, one payment.
Debt consolidation is one of the most effective strategies for managing personal debt. Instead of juggling several loans and credit cards, each with its own rate and due date, we help you fold them into a single facility, often at a much lower interest rate.
Consolidation makes sense if you…
- Are paying several loans and credit cards each month.
- Feel your monthly commitments are too high.
- Want one clear due date instead of many.
- Have bad or imperfect credit and were told "no" before.
From many to one
Breathing room, restored.
Several cards and loans, each with its own due date and rate, can feel relentless. Consolidation folds them into a single facility with one lower monthly payment, so you know exactly what leaves your account and when. It rarely erases what you owe, but it brings order, a clearer end date and real relief you can feel.
Told "No" Before?
Why banks reject you (and how we fix it).
Too many commitments
Several loans and cards push your DSR too high. Consolidation is the fix, one lower payment brings it back down.
Late payment history
Past late payments drag your score down. A free CTOS check shows exactly what to settle first.
Weak income docs
Cash salary or inconsistent EPF weakens your case. We show you how to document income the bank accepts.
Blacklist / AKPK
Often still workable, typically if basic salary is above RM3,000. We guide debt settlement first, then apply.
A real example
RM3,433 → RM975 a month.
Total debt consolidated
RM90,000
personal loan + credit cards
Before → After
RM3,433 RM975
monthly repayment
Terms
3% p.a.
over 10 years
Illustrative example only. Actual rates, tenure and savings depend on the bank's assessment of your profile.
The benefits
Simpler, cheaper, calmer.
Lower interest rates
Replace high-interest cards and loans with one facility at a much lower rate, often from 3% p.a.
One simple payment
Merge multiple obligations into a single monthly instalment with one due date.
Reduced monthly cost
A lower rate over a suitable tenure frees up cash each month, making debt easier to manage.
How It Works
A clear, honest process.
Free Consultation
We gather your income, expenses, debts & CCRIS. No cost, no obligation.
Loan Offer Analysis
We assess eligibility and survey the market for the best consolidation fit.
Application Process
We prepare documents and communicate with banks on your behalf.
Loan Approval
We review final terms and give ongoing refinance guidance afterwards.
Debt Consolidation FAQ
Questions, answered.
Often, yes. Consolidation exists precisely for people carrying multiple debts. We review your CCRIS/CTOS, address the specific issues banks flag, and match you to the institution most likely to approve your case.
It depends on your current rates and balances, but the savings can be substantial. In one example, a RM90,000 consolidation cut a monthly payment from RM3,433 to RM975. Try our calculator for your own estimate.
No. Our consultation and CCRIS/CTOS review are free with no obligation. NCG is a consultancy; we do not issue loans, and all financing is provided by banks or licensed issuers.
Handled well, consolidation usually helps: one on-time payment is easier to maintain than several, and clearing revolving card balances can improve your profile over time. We guide you on managing it correctly.
Get Started
See how much you could save in 60 seconds.
No upfront fees. A senior advisor reviews your case and WhatsApps you back, often within minutes.
One payment. One clear path forward.
Free CCRIS/CTOS review, no obligation. A senior advisor will reach out within hours.