Direct Lending

What is CCRIS & CTOS and How to Read Your CCRIS Report?

(This article was originally published on the 15th of January 2017 and updated on the 13th July 2020).  “Your loan is rejected because you have a bad CCRIS or CTOS record”. Have you been told this before...

Should You Take Out A Personal Loan For Your Side Business?

(This article was originally published on the 17th November 2017 and updated on the 6th July 2020). A way to ensure you have enough cash to support or grow your business is to take out a loan. You can either...

5 Ways to Manage Your Finances During a Recession

Malaysia has been successful in containing the spread of COVID-19 thus far. Early preparations and planning by the government are paying off.  Despite winning the war against the coronavirus, the country is...

5 Things to Watch for as a Loan Guarantor

(This article was originally published on the 23rd November 2018 and updated on the 22nd June 2020). Have you ever been approached by a relative or close friend and asked to act as a loan guarantor? The...

Buying a Motorcycle – Motorbike Loan or Personal Loan?

(This article was originally published on the 13th of February 2018 and updated on the 18th of June 2020).  As far as private vehicles goes, the main options are either cars or motorcycles. Given the high car...

Should I Pay Off My Personal Loan Early?

People these days have easy access to credit. You can either apply for a personal loan or swipe your credit card to obtain money for emergency, important milestone spending, or to fund lifestyle needs. The...

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