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DEBT CONSOLIDATION ADVISORY

Stop juggling. Start breathing.

We combine your multiple loans into one lower payment. You save money, reduce stress, and get a clear path to debt-free.

check if you qualify
SOUND FAMILIAR?

Five payments. Five due dates. Five headaches.

  • You’re paying RM3,000–5,000 every month across multiple banks.
  • Credit card interest keeps compounding at 18%.
  • Banks keep rejecting you because your DSR is too high.
  • You’re working harder but your debt isn’t shrinking.
There’s a better way
why profin elite

What makes our approach different

We compare, you save

20+ banks compared in one assessment. You get the lowest rate you qualify for.

Independent advice

We don’t work for any bank. Recommendations based purely on what saves you the most.

Direct payoff option

For high DSR cases, banks pay your creditors directly. Old debts disappear before new DSR is calculated

End-to-end handling

From documents to bank submission to approval. You don’t visit a single bank branch.
HOW IT WORKS

Four steps to one payment

01

Share your situation

Tell us about your debts and goals. 15 minutes. Free.
02

We analyse options

CCRIS check, DSR calculation, 20+ bank comparison.
03

We submit and follow up

Documents prepared, submitted, followed up until approval.
04

Old debts cleared

One loan, one payment, clear debt-free timeline.
is this for you?

Debt consolidation works best when…

Based on a typical client with RM150,000 in total debt across multiple banks.

BEFORE

RM4,800

per month across 5 commitments

  • 5 loans across 4 banks
  • Interest rates from 5.5% to 18%
  • DSR at 60% — struggling to get approved
  • 5 different payment dates
  • No clear debt-free date

after

RM2,125

per month — one single payment

  • 1 loan, 1 bank, 1 payment
  • One rate: 7% flat
  • DSR drops to 27%
  • One fixed payment date
  • Debt-free by 2036

MONTHLY SAVINGS

RM2,675

YEARLY SAVINGS

RM32,100

*Illustrative example based on typical client profile (RM150,000 total debt, private sector employee, RM8,000 net income, 7% flat rate, 10-year tenure). Actual results depend on individual circumstances and bank approval.

common question

Got a question? We’ve got answers

What is debt consolidation?
Debt consolidation combines multiple loans into one. Instead of paying five banks at five different rates, you take one new loan to pay off all five. One payment, one rate, one debt-free date.
How much can I save?
Depends on your current rates and total debt. Most clients save RM500 to RM2,500 per month. We show you the exact numbers before you commit.
Will I get approved if my DSR is high?
Possibly. Some banks offer direct payoff programmes where they settle your existing debts before calculating your new DSR. This solves the catch-22 that causes most rejections.
What banks do you work with?
We compare 20+ banks including Bank Rakyat, RHB, AmBank, Maybank, Hong Leong, HSBC, CIMB, Alliance, and others. We recommend based on your profile, not bank relationships.
How long does the process take?
Initial assessment takes 1-2 working days. Bank approval typically 3-14 working days depending on the bank and complexity of your case.
Is there a fee for your service?
The initial consultation is free. If we proceed with a bank application, our advisory fee is explained upfront before you commit. No surprises.
What if consolidation isn’t right for me?
We'll tell you. If AKPK or another approach makes more sense, we'll say so and guide you accordingly. We'd rather lose a client than give bad advice.
take the first step

Tell us your situation. We’ll tell you your options.

No commitment. No bank visits. Just a straightforward conversation about what’s possible for your specific case. Takes 15 minutes.
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We reply within 2 hours during business days.