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Personal Loan in Malaysia
From 3% p.a., up to 10 years, even if you were rejected, blacklisted, or under AKPK. Free CTOS + CCRIS check, decisions in 3–7 days. We serve Sabah, Sarawak & overseas.
Who It's For
Financing that fits your life.
Whether you're consolidating debts, funding a renovation, covering education or handling an emergency, a personal loan gives you flexible cash without pledging an asset. We match your profile to the bank most likely to say yes. We also prepare you properly before you apply.
You're a good fit if…
- ✓You are aged 21 to 60 years old.
- ✓Employed for 3+ months, or self-employed for 6+ months.
- ✓Juggling multiple debts and want one simpler payment.
- ✓Previously rejected and unsure why. We'll find the real reason.
Personal, not transactional
Advice that fits your life.
Before we approach any bank, we sit down with you, in person or online, to understand your income, your goals and what a comfortable repayment really looks like. Only then do we match you to the lender most likely to say yes. You deal with a real advisor, not a call-centre script.
Loan Types
Options for every profile.
Unsecured Loans
Cash without collateral, based on your income and credit standing.
Secured Loans
Pledge an asset for a larger amount and lower rate.
Debt Consolidation
Combine several debts into one lower monthly payment.
Low-Rate Loans
Preferential financing from 3% p.a. fixed for strong profiles.
Eligibility & Documents
Rejected before? We fix the real cause.
Basic eligibility
- ✓Aged 21–60 with a valid MyKad or work permit.
- ✓Reasonable CCRIS / CTOS record and payment history.
- ✓Consistent income proof (payslips, EPF or bank statements).
- ✓Debt Service Ratio (DSR) within the bank's limit.
Common rejection reasons we address
- →Short banking record, less than 6 months of CCRIS history.
- →Multiple existing unsecured loans pushing your DSR too high.
- →Cash salary, inconsistent EPF or periods of unpaid leave.
- →A history of late payments dragging down your credit score.
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 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.
Why NCG
More than a form. A real strategy.
Free CTOS + CCRIS assessment
We read your credit report first, so you never apply blind.
Market comparison
We compare offers across 20+ banks to find your best rate and tenure.
Direct bank communication
We speak to bankers on your behalf and keep your application moving.
Personal Loan FAQ
Questions, answered.
Yes. A rejection is usually about a specific fixable issue. It could be a short CCRIS record, too many unsecured loans, or inconsistent income proof. We identify the real cause, prepare your profile, and apply to the bank most likely to approve.
Strong profiles can access financing from 3% p.a. fixed. Your actual rate depends on income, credit standing and tenure. We survey the market and negotiate on your behalf. You can also estimate repayments on our loan calculator.
No. Our initial consultation and CTOS + CCRIS assessment are free with no obligation. NCG is a consultancy. We do not issue loans; all financing is provided by banks or licensed issuers.
Once your documents are complete, personal loan applications typically get a decision in 3–7 days. A free CTOS check up front speeds it up. Timelines vary by bank and profile. We keep your case moving and update you at each stage.
Get Started
Check your personal loan in 60 seconds.
No upfront fees. A senior advisor reviews your case and WhatsApps you back, often within minutes.
Get your free personal loan assessment.
Free CTOS + CCRIS check, no obligation. A senior advisor will reach out within hours.