Are You Struggling with Multiple Debts?
You're not alone. Many Malaysians face these challenges:
Multiple Credit Cards
Juggling 3-5 credit cards with high interest rates (15-18% p.a.)
Different Due Dates
Missing payments due to confusing payment schedules
High Interest Rates
Paying excessive interest charges every month
Growing Debt
Only able to pay minimum amounts, debt keeps increasing
The Debt Consolidation Solution
Combine all your debts into ONE simple loan
Lower Interest Rate
Reduce from 15-18% to just 8.5% p.a.
Single Monthly Payment
One payment date to remember instead of multiple
Lower Monthly Payment
Extend tenure for more affordable payments
Debt-Free Faster
Clear structured path to becoming debt-free
How Debt Consolidation Works
List All Your Debts
Identify all credit cards, personal loans, and other debts you want to consolidate.
Apply for Consolidation
Submit a single application with us. We'll assess your total debt and financial situation.
Get Approval
Receive approval for a new loan that covers all your existing debts at a lower rate.
We Pay Your Creditors
We directly settle all your existing debts with your creditors on your behalf.
One Simple Payment
Make just one monthly payment to us at a lower interest rate. Stress-free!
Before vs After Consolidation
Before
Multiple Debts Chaos
- 5 different credit cards
- 5 different payment dates
- 5 different minimum payments
- Average interest: 18% p.a.
- Total monthly payment: RM 2,800
- Stressed & confused
After
One Simple Loan
- Only 1 consolidation loan
- Only 1 payment date
- Only 1 fixed payment
- New interest: 8.5% p.a.
- Total monthly payment: RM 1,650
- Calm & in control
Why Choose Our Debt Consolidation
Fast Approval
Get approved within 2 hours with our AI-powered assessment
Direct Settlement
We settle your existing debts directly with creditors
Flexible Tenure
Choose repayment period from 2 to 7 years
No Hidden Fees
100% transparent pricing with no surprises
Financial Counseling
Free advice on managing finances and staying debt-free
Lower Interest
Significantly reduce your interest burden
Common Questions
What debts can I consolidate?
You can consolidate credit cards, personal loans, hire purchase, and other unsecured debts. We cannot consolidate housing loans or car loans.
Will this affect my credit score?
Initially, there may be a small impact, but as you make consistent payments on your consolidation loan, your credit score will improve significantly.
Can I still use my credit cards after consolidation?
We recommend closing or freezing your credit cards after consolidation to avoid accumulating new debt. However, you may keep one card for emergencies.
What if I have bad credit?
We consider applications on a case-by-case basis. Even with less-than-perfect credit, you may still qualify if you have stable income and manageable debt levels.