Everything you want to ask

We are a bank loan consultancy. We analyse your profile, match you to the bank most likely to approve, prepare your documents and negotiate on your behalf across 20+ banks and licensed issuers.

No. We are consultants, not a moneylender. All loans are issued by banks or licensed issuers. We simply help you get approved on the best terms.

Personal & mortgage applications typically get a decision in 3–7 days once documents are complete; business loans take longer. A free CTOS check up front speeds it up by fixing issues before we submit.

All major Malaysian banks, plus legal non-bank institutions and platforms such as licensed P2P financing. We collaborate with 20+ banks and issuers, and route you to the one whose policy fits your profile.

No. The whole process runs online via WhatsApp and phone. We serve clients in Sabah, Sarawak and overseas (Singapore, Dubai, Australia and more). Your initial analysis is usually ready within 1–2 days.

Yes. We start with a FREE CTOS report to identify the exact reason for the rejection, whether it's a thin CCRIS record, too many unsecured loans, weak income proof or late payments. Then we fix it and route you to the bank most likely to approve.

Yes. We identify exactly what's driving your commitments and give you a plan, often consolidating several debts into one lower payment, to bring your DSR down before we apply, so the bank sees a stronger profile.

Often yes, typically if your basic salary is above RM3,000 (excluding OT, allowances and commissions). We review your CTOS/CCRIS and AKPK status honestly and guide you through debt settlement first so your application stands the best chance.

For personal loans, we accept state government and GLC staff (federal government employees are not eligible). For mortgage and business loans, all workers are welcome. We'll confirm your options in the free assessment.

No. No one can honestly guarantee approval, and anyone who does is misleading you. What we can offer is experience: our track record resolving credit issues gives you a far better chance than applying alone.

Pay on time for 6+ months, reduce credit-card utilisation, avoid new unsecured loans and clear small overdue accounts. We give you a tailored checklist based on your report.

DSR (Debt Service Ratio) is your total monthly debt divided by income. Most banks approve up to around 60–70%. A lower DSR means more borrowing room. Try our calculator to see yours.

Yes. We handle your information in line with Malaysia's PDPA. Your documents are used only to assess and submit your application, and are never sold or shared beyond the banks you authorise.

Never. We will never ask for online-banking passwords, OTPs or TAC codes. Anyone requesting these while claiming to be from NCG is impersonating us. Report it immediately.

Yes. You can request access to or deletion of your personal data at any time under the PDPA. Just contact us and we'll action it.