Personal Loan
Personal loans are for people who need cash in emergency, mainly for their personal reasons. This loan is easier for those people as it do not require any form of collateral or guarantor to acquire. Besides, this loan is given to individuals with good credit profile and the ability to repay the loan.
Why apply?
Everyone may face short term financial difficulty, but once we overcome this, it will become smoother in future. Sometimes you may need the extra cash in hand for medical bills, credit card and education debts.
For whatever reason, we can reduce your burden by help you to achieve your personal financing needs. Therefore, your financial might be resolved if you apply personal loan from us.
Requirement
We prefer borrower that works for someone for more than 6 months. You need to provide your IC copy, 3 months payslip and 3 months bank statements. Besides that, you can also provide your latest EPF statements as well as utility bills to proof where you stay.
If the borrower is self-employed, we will need your IC and SSM registration form. Besides, you also need to provide 6 months of company bank statement to show consistent turnover for the company. We also need MBPJ license or any local authority licenses, such as hawkers or food stalls.
Lastly, we will need to arrange a site visit, to see your office, factory, shop or stall. If you are a freelance, we will visit your home office or place where you do your work to take some time to verity your personal account bank statements to show consistent income.
Why Choose Us?
- We do not require any upfront fees.
- It is easier to apply loan from us compare to others.
- Fast approval of our loan.
- Quick to disburse upon loan approval.
- Flexible repayment scheme such as no penalty if early repay.
Who are we?
Firstly, we are a licensed money lender which have over 10 years of experience in Malaysia. And we have helped resolve many people’s financial difficulties.
We specialize in cheque cashing, business loan, SME loan, working capital and debt consolidation for individuals, business owner as well as free-lancer.
Lastly, we have branches throughout Malaysia such as Kedah, Penang, Seremban, Melaka, Kuala Lumpur and Selangor. However, we specialize in Johor Bahru, Pasir Gudang, Yong Peng, Kluang, Kulai, Senai, Kota Tinggi, Masai, Skudai, Gelang Patah, Simpang Renggam and Pontian.
Conclusion
If you need cash immediately, please don’t hesitate to contact us. We will suggest you and also provide the most suitable loan depends on your needs. Lastly, we will assess your credit status and repayment ability of your company. Even if you do not qualify for personal loan, we can advise on what other loan you may qualify.
Do you make your payments on time? Your payment history includes credit cards, car payments, mortgages, student loans and other loan types. Other public records on file, such as a bankruptcy, will be calculated in this group as well.This may be one of the factors that affect your approval rate of the loan. Also, someone who work more than 3 years and have a quite stable position will have a good credit profile compare to someone who work for 3 months only.