PERSONAL LOAN ADVISORY
The right loan from the right bank. First try.
We match your profile to the right bank. One application. Best rate you qualify for.
SOUND FAMILIAR?
You applied. Got rejected. Sound familiar?
- You need funding but don’t know which bank suits your profile.
- You applied to 2-3 banks and got rejected — now your CCRIS shows multiple inquiries.
- Every bank offers different rates but none explain why yours is higher.
- You don’t know your DSR or what banks actually look at before approving.
- You’ve wasted days gathering documents for banks that were never going to approve you.
why profin elite
What makes our approach different
HOW IT WORKS
Four steps to the right loan
is this for you?
Personal loan advisory works best when…
GOOD FIT
- You need RM10,000 to RM300,000 in personal financing
- You’re salaried with minimum RM2,000/month (government) or RM3,000/month (private)
- You’ve been employed at least 6 months with your current employer
- You want the best rate but don’t have time to visit multiple banks
NOT IDEAL
- You need less than RM5,000 (bank’s minimum may not be met)
- Your credit report has unresolved issues (we can advise on fixing this first)
- You need funds within 24 hours (even fast banks take 2-3 days minimum)
REAL RESULTS
What changes with the right bank
Based on RM80,000 personal loan, private sector employee.
BEFORE
RM2,133
per month at 12% flat
- Applied to 3 banks, rejected twice
- Took 3 weeks of bank visits
- Documents rejected twice for errors
- No idea why rate was so high
after
RM1,833
per month at 7.5% flat
- 1 targeted application, approved
- Done in 5 working days
- Clean submission, first attempt
- RM18,000 interest saved over 5 years
- Peace of mind — one clear repayment plan
INTEREST SAVED
RM18,000
TIME SAVED
15+ hours
*Illustrative example based on RM80,000 personal loan, private sector employee, RM6,000 net income. Rate of 7.5% flat is typical for clean CCRIS profiles at selected banks. Actual results depend on individual circumstances and bank approval.
common question
Got a question? We’ve got answers
How is this different from applying directly?
When you apply directly, you’re guessing which bank will approve you. We know which banks offer the best rates for your specific profile. One targeted application instead of multiple rejections.
What types of personal loans do you handle?
Conventional personal loans and Islamic personal financing (Pembiayaan Peribadi-i). Government servants, GLC, private sector, and self-employed.
What’s the typical interest rate?
Government servants: 2.82%-4.5% flat. GLC: 3.5%-6.5%. Private sector: 6%-12%. Self-employed: 8%-15%. We find where you fall and get the best rate.
Does applying through you affect my CCRIS?
The bank does a CCRIS check on submission. But we submit to ONE bank, not 3-4. Fewer inquiries on your CCRIS. Multiple inquiries signal desperation to lenders.
What if I’ve been rejected before?
Rejection often means wrong bank for your profile. We review why and match you to a bank with different criteria.
How long until I get the money?
3-7 working days from complete submission. Some banks (CIMB, Alliance) approve in 1-3 days. We’ll give you a realistic timeline.
What documents do I need?
Salaried: MyKad, 3 months payslips, 3-6 months bank statements, EPF/EA form. Self-employed: add SSM + 2 years tax returns. We provide a complete checklist.
Is there a fee?
Consultation is free. If your loan is approved, we charge an advisory fee. No approval, no charge. We explain the exact amount during your first consultation — no surprises.
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.
We reply within 2 hours during business days.