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 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...

7 Ways To Clear Your Negative CCRIS Record

(This article was originally published on the 8th December 2017 and updated on the 15th June 2020).  We have received many enquiries from our customers on how to clear their...

6 Warning Signs the Personal Loan You Are Getting is a Scam

(This article was originally published on the 10th September 2017 and updated on the 11th June 2020). We received several reports of unauthorised personnel (scammers) pretending to be Direct Lending. These...

Credit Card Vs Personal Loan – Which One Should I Get?

(This article was originally published on the 6th January 2018 and updated on the 3rd June 2020). There comes a time where we may find ourselves in need of a huge sum of money whether it is to foot the bill of...

5 Best Bank & Cooperative (Koperasi) Personal Loan for Government Servants in 2020

(This article was originally published on the 16th April 2020 and updated on the 17th June 2020). If you are a civil servant, you will most likely have the experience of receiving SMS or cold calls offering...

5 Tips to Overcome Financial Emergencies

(This article was originally published on the 6th July 2019 and updated on the 2nd April 2020).  Sometimes things happen unexpectedly. Everyone of us has experienced at some point had to deal with a financial...

Category - Koperasi & Personal Loan

Good Debt vs. Bad Debt

(This article was originally published on the 29th March 2018 and updated on the 11th February 2020).  The least regarded aspect of personal finance is handling indebtedness. The scope of personal finance extends beyond managing finances. Many focus...