The biggest cargo people carry these days is debt. Borrowing, including the use of credit cards, is habit-forming. Once you get caught in the habit, you run the risk of spending more than you can really afford.

Are you currently short on funds and thinking of applying for a personal loan, but not sure how to? Or you have apply and wonder how does your personal loan approved?

It cannot be denied that taking up loan is risky especially if the borrower has a bad repayment pattern and lack of money management skill.

We have received many inquiries from our customers on how to improve their CCRIS report (Central Credit Reference Information System) records.

“Your loan is rejected because you have a bad CCRIS or CTOS record”. Have you been told this before by a bank officer? And you are wondering, “What is CCRIS and CTOS?”.

There have been irresponsible parties pretending to be Direct Lending and offering pre-approved loan. These scammers are still actively on the loose.

When talking about interest rate and repayment for loans, you might come across various terminologies such as flat rates, effective rates, fixed rates, and floating rates.