I was impressed by their professionalism and attention to detail. A fantastic experience from start to finish!

As young parents, we had just purchased our first home. On top of the mortgage, we also had a car loan and growing expenses for our child’s education. Every month felt like a constant struggle, and we worried that any unexpected event would push us over the edge. Through a friend’s recommendation, we met this loan consultant. He carefully reviewed our financial situation, restructured our housing loan to a lower interest rate, and arranged a more flexible repayment plan. Now, not only can we pay our loan on time, but we also manage to save a little for our child’s future. We finally feel secure and less burdened.

Mr. and Mrs. Chong had always wanted to renovate their old house into their dream home but didn’t have enough savings. Through cash out refinancing, they were able to turn their home equity into funds. Not only did they complete their renovation, but they also increased the overall value of their property.

Ms. Wong wanted to prepare funds for her child’s overseas education but her savings were not enough. With my assistance, she successfully obtained funds through cash out refinancing of her property. Now, she can comfortably manage her monthly repayments while ensuring her child’s education is fully supported.

Mr. Lim was facing cash flow issues in his business but didn’t want to borrow money from friends or family. I helped him unlock the value of his property through cash out refinancing, turning his home equity into usable funds. With this, he secured enough capital to keep his business running, and the interest rate was much lower compared to personal loans.

Mr. Chen, a small business owner, was struggling with multiple high-interest credit card debts after his business slowed down during the pandemic. The interest alone was draining him every month. Through a friend’s referral, he came to me. After analyzing his financial situation, I helped him restructure his debts into a lower-interest loan with more manageable installments. His monthly repayment reduced by one-third, and he could finally use the extra funds to keep his business running.

Three years ago, I was drowning in credit card debt. I could barely manage the interest payments each month. A friend referred me to a loan consultant, Ms. Lee. I just wanted some financial relief—but what I got was so much more. Ms. Lee helped me secure a personal loan that matched my needs, and more importantly, she guided me through creating a financial plan. She taught me how to budget, prioritize debt repayment, and start an emergency fund. That loan didn’t just solve my cash problem—it changed the way I live and think about money.

Puan Aini owns a house with no loan. She needed RM200,000 for home renovation and her husband’s struggling business. We helped her cash out RM220,000 at 4.3% interest.

Amir started with a small food truck but needed capital to expand. He had limited documents. We helped prepare his income proof and secured RM90,000 business loan within 3 weeks.

Madam Tan, a government school teacher, needed RM100,000 to send her son overseas. Her savings were not enough. We helped her apply through LPPSA and the funds were released within 2 weeks.

Mr. Lee, 42, was juggling RM78,000 credit card debt across 4 banks. Monthly payments were overwhelming. We helped consolidate his debts into a RM85,000 personal loan with a single payment of RM1,100/month for 10 years.

Ah Qiang runs a mobile repair shop. During MCO, business dropped drastically, but he still had to pay rent and staff. Though he had a business license and bank statements, multiple banks rejected him. We helped him organise his documents and secured an RM80,000 personal loan. Funds arrived within 2 days—he reopened and business is now stable.

MS LIM an admin assistant, had accumulated over RM45,000 in credit card debt over the years. Paying only the minimum monthly made things worse. After coming to us, we helped her consolidate all her debts into a RM50,000 personal loan. Now she only pays around RM700/month with much lower interest. She's finally stress-free and sleeps peacefully at night.

Mr. Amir works in the government sector earning RM4,500. He had RM40,000 in credit card debt and was paying RM1,500/month just on interest. I helped him secure a RM50,000 personal loan. He cleared all cards and now pays only RM900/month. Finally, he’s debt-free and at peace.

Mr. Amir, a civil servant, earns RM4,500. But he was drowning in RM40,000 credit card debt, paying RM1,500/month just on minimums. After 2 failed attempts, he came to me. I helped restructure his profile and applied to the right bank. He got RM50,000 personal loan — cleared all debts and still had RM10,000 left over!

Mr. Salleh, a retired government staff, had multiple loans and wanted to consolidate. Banks rejected him outright. I reapplied under Debt Consolidation structure using his pension proof and house documents. Got RM90,000 approved — cleared all debts and had extra RM5,000 for peace of mind.

Mr. Alvin, a mid-level executive earning RM8,000/month, was overwhelmed by credit card and personal loan debt — paying RM3,000/month. I helped him refinance his property and cash out RM120,000. He used it to clear all existing debts and kept RM10,000 as emergency cash. His new home loan repayment is much lower and more manageable.

Mr. Lim wanted to renovate his house and save for his child’s university education. Personal loan rates were too high. I helped him refinance and cash out RM100,000 at only 3.5% interest. He renovated the whole kitchen & bathrooms, and set aside RM30,000 for education.

Mr. Jason is a sales manager earning RM7,200 a month. Because of his tight work schedule, he didn’t have time to compare loan options across different banks. He applied at one major bank based on a friend’s advice — rejected. Then tried another — rejected again. He started to believe he simply wasn’t eligible. When he came to me, I reviewed his documents and saw the real issue — he didn’t match the bank’s profile, but he was actually very eligible. I guided him to apply at a bank more suited to his financial background and included a proper financial explanation letter. Within just 2 weeks, the loan was approved — and he received RM30,000 in cash flow! He told me, “If I had found you earlier, I could’ve saved all that time and stress.”

Puan Shahida is a government servant with stable income and good credit. But her loan was rejected 3 times. She was confused — “I’m a civil servant, why can’t I get approved?” After reviewing her case, I explained that some banks are stricter with koperasi loans, especially when the debt ratio is high. I recommended a more flexible bank and helped her restructure her documents and explain her finances clearly. Within 2 weeks, her loan got approved! She said, “Thank you for showing me it wasn’t me — I was just applying to the wrong banks.”