Increase Your Personal Loan Approval Chances
Stop guessing which loan you’ll be approved for. Our free service matches you with banks based on your income and budget. Get personal loan matches in minutes!
How It Works
Step 1: Answer Questions on WhatsApp
Tell us about your preferred loan amount, how you plan to use it, your salary, your job, and the loans/financing you pay each month. It takes a few minutes. You can pause anytime and come back later to finish.
Step 2: We Find Banks That Suit You
We check your details against what different banks want. Some banks prefer applicants with certain types of jobs. Others care more about how much you earn. We know what each bank prefers.
This helps us show you banks that are more likely to say yes to you.
Step 3: See Your Results
You'll get a list of personal loans that fit your profile. You'll see:
- Which banks might approve you
- How much could you borrow
- What you'd pay each month, including interest rate
Why This Helps You
Banks Look for Different Things
One bank might want people who work for the government. Another bank might be happy with people who work for themselves.
When you apply without knowing this, you might pick the wrong bank and get rejected. Our service helps you pick the right banks.
Protect Your Credit Report
When a bank rejects your loan application, it goes on your credit report. Other banks can see this.
Too many rejections make banks worried. They wonder why other banks said no to you. This makes it harder to get approved later.
Our service helps you apply to banks where you have a better chance. This means fewer rejections of your report.
Know How Much You Can Borrow
Banks calculate something called your debt service ratio (DSR). This is how much of your monthly salary already goes to paying debts.
If too much of your salary goes to other personal loans or credit cards, banks won't lend you more money.
We work out your DSR and show you how much you can realistically borrow. You won't waste time applying for amounts that banks will reject.
Get Help Even If You Don't Qualify
If banks are unlikely to approve you right now, that’s okay. We have a guide on how you can improve the chances of getting your loan approved.
What We Need to Know
To match you with the right banks, we ask about:
- How much do you want to borrow
- How do you plan to use the money
- Your gross monthly salary
- Your personal details (email, nationality, marital status, education level, etc.)
- Your current residence status (renting or owning)
- Your employment details
- The loans/financing you pay each month (PTPTN, car loan, mortgage/rent, etc.)
This is exactly what banks ask when you apply for a loan.
Your Information is Safe
We follow Malaysia's Personal Data Protection Act. We keep your information secure and never sell it to anyone.
You can ask us to delete everything at any time. Just contact our support team at [email protected] to do so.
You don't have to apply for a loan if you don't want to. There's no obligation.
Our Partner Banks
We currently partner with the following banks to make sure we match you to loans that meet your goals and needs.
- Alliance Bank
- RHB Bank
- Al-Rajhi Bank Malaysia
- Bank Muamalat
- AEON Bank
- MBSB Bank
We will keep adding more banks to give you more choices.
Even if your preferred bank isn't on our list, using our service still helps. You'll understand what banks want, which makes any loan application stronger.
Start Your Free Loan Match Now
Get matched with bank loans in just a few minutes. Completely free.
How to begin:
- Click the “Chat On WhatsApp” button
- Type your name and phone number
- Agree to our General Terms of Use, Privacy Policy and Credit Reporting Agency Terms and Conditions
- WhatsApp will open
- Start chatting with our assistant!
Questions People Ask About Loan Matching Service
Will this definitely get me approved?
No. We can't guarantee approval. Banks make the final decision. But we help you apply to banks that are more likely to say yes to someone with your financial background.
Does this cost money?
No. The service is completely free. We never charge you. Banks pay us when someone gets a loan, but this doesn't change your interest rate or loan terms.
What if no banks will approve me?
We'll explain why and how to improve your chances. You might need to pay off some debts first as a start.
Can I pause and finish later?
Yes. The chat doesn't disappear. You can take breaks and come back whenever you want.
What happens to my information?
We keep it safe and only use it to match you with loans. We never sell your data. You can ask us to delete it anytime. Write to [email protected].
Ready to Find Banks That Match Your Profile?
Understanding how personal loans work helps you make smarter borrowing decisions. Now see which banks suit your specific financial situation with our loan matching service – helping Malaysians since 2012.
Chat with us on WhatsApp today →
Free service. No obligations. It only takes 3-5 minutes.
