Funds in as fast as 24 hours — check your rate in 3 minutes
myloancredits.com
Most popular loan purpose

Many debts. One payment.

Roll your credit cards and instalments into a single fixed monthly payment with a real payoff date — often at a lower rate than your cards charge.

✓ From 3.88% p.a.✓ One due date✓ 0.5% on-time cashback
Consolidate my debtsEstimate my payment
Old red bills being replaced by one green MyLoanCredits card

Sound familiar?

Four signs that consolidating could make your month lighter.

!You're only making minimum payments on one or more cards
!Different due dates keep catching you off guard
!Card interest (~15–18% p.a.) is growing faster than you can clear it
!You can't say off-hand what you owe in total, or when it ends

What consolidating actually changes

An illustrative example — your numbers will differ.

Before

  • Card A — RM8,000 @ ~18% p.a.3 due dates,
  • Card B — RM7,000 @ ~17% p.a.minimum payments,
  • Instalment — RM10,000 @ ~14% p.a.no end in sight

Paying minimums on cards can take 10+ years to clear and cost more in interest than the original debt.

After — one RM25,000 loan

RM634 / month

  • 48 months at 10% p.a. — done in 4 years, guaranteed end date
  • One payment, one due date, one reminder
  • Settle early any time with zero penalty
  • 0.5% cashback on every on-time payment (~RM152 over the loan)

Illustrative only. RM25,000 over 48 months at 10% p.a. ≈ RM634.06/month. Your confirmed rate (3.88%–12% p.a.) depends on your profile.

How consolidation works here

List what you owe

Step 1

List what you owe

Add up your card balances and instalments. Apply online for that total in about 3 minutes — no impact on your credit score.

We structure one loan

Step 2

We structure one loan

Same-day callback. We confirm one fixed rate, one monthly payment, and one payoff date — the total cost in writing before you sign.

Clear the old debts

Step 3

Clear the old debts

Funds arrive in as fast as 24 hours. Pay off every card and instalment, and from next month there's only one payment to think about.

Want the full picture first? Read our guide: How Debt Consolidation Works in Malaysia

Estimate your one payment

Set the slider to your total debts and see the monthly number.

RM20,000
RM1,000RM100,000
36 months
6 months60 months

Estimated monthly repayment

RM626.73

Estimated rate
8% p.a.
Total interest
RM2,562.18
Total payable
RM22,562.18
Apply for RM20,000

Estimate only, using a reducing-balance rate matched to your chosen profile. Your confirmed rate (3.88%–12% p.a.) and repayment are shown in writing before you sign. No early settlement penalty.

Consolidation questions, answered

One payment. One payoff date.

Check your consolidation rate in 3 minutes — no credit score impact.

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Applying won't affect your credit score.

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