Rates and costs
Flat rate vs effective rate: how to compare loans without getting caught out
Why a 12% flat rate costs closer to 21.6% a year, how to work out the real cost of any loan, and the two numbers to compare between lenders.
5 min read
Guides
Know more before you borrow
Practical guides written for Malaysian borrowers, with real numbers and no sales talk. Read them whether or not you borrow from us.
All guides
Credit and income
CTOS vs CCRIS: what's in your credit reports and how to improve them
The difference between CCRIS and CTOS, what lenders actually look at, how to get your reports for free, how to fix errors and how to rebuild your record.
5 min read
Staying safe
Licensed moneylender or Ah Long? How to tell the difference in five minutes
What a licensed moneylender must do, how to tell a legal online lender from an Ah Long or loan scam, how to check a licence, and what to do if you're caught.
8 min read
Planning
The loan documents checklist: what to prepare for your video verification
Which documents to prepare for an online loan if you're salaried, a civil servant, self-employed, a gig worker or an SME owner — and how to send them safely.
7 min read
Planning
Debt consolidation and AKPK: when one loan helps, and when to ask for free help instead
When combining debts into one loan saves money, when it costs more, a worked comparison with real numbers, and how AKPK's free counselling and debt programme work.
5 min read
Credit and income
Loans for the self-employed and gig workers: how to prove an income that changes every month
How lenders assess irregular income, the documents that work for freelancers, drivers and riders, a worked averaging example and a six-month plan to build a record.
5 min read
Rates and costs
Settling a loan early: how the Rule of 78 rebate works, with real numbers
What you pay to clear a flat-rate loan early, how the Rule of 78 rebate is calculated step by step, why settling early saves most at the start, and how to request it.
5 min read
Planning
How much can you safely repay each month? A practical guide to your debt-service ratio
Work out your debt-service ratio, see worked examples at three income levels, stress-test your budget, and understand why a lender may offer less than you ask.
5 min read