At Mplus Marketing, we believe in complete transparency. We’ve compiled the most common questions our clients ask about our services, processes, and results. If you don’t see your specific question answered below, please don’t hesitate to contact us directly for a personalized response.
You only pay our consultation fee after your loan is successfully approved. If we don’t secure your loan approval, you don’t pay us anything—it’s that simple. This policy aligns our success directly with yours and demonstrates our confidence in our ability to secure approvals.
We specialize in three main areas:
Our consultants work with all major Malaysian banks and financial institutions to find the best solution for your specific needs.
While we cannot offer absolute guarantees due to varying bank policies and individual financial situations, our 87% approval success rate demonstrates our effectiveness. We carefully assess each case before proceeding and only take on clients we believe we can help. If we determine that approval is unlikely, we’ll advise you honestly rather than wasting your time.
We serve clients across all major Malaysian cities and regions, including Kuala Lumpur, Selangor, Penang, Johor, Ipoh, and Sarawak. Our consultants can work with you remotely via phone, WhatsApp, and email, or in person at our offices in Kuala Lumpur, Penang, and Johor Bahru.
Most clients reduce their interest rates by 0.5% to 1.5%, which can translate to savings of hundreds or thousands of ringgit monthly. For example, on a RM500,000 loan with a 30-year tenure, reducing the interest rate from 4.5% to 3.5% can save approximately RM900 monthly or over RM300,000 over the full loan term.
Absolutely! We specialize in overcoming previous rejections. Our banking relationships and understanding of rejection reasons allow us to restructure applications, enhance documentation, and present your case more effectively. Many of our most successful clients came to us after multiple rejections elsewhere.
Most Malaysian banks allow refinancing up to 90% of your property’s current market value, minus your outstanding loan balance. For example, if your home is valued at RM600,000 and your current loan balance is RM300,000, you might access up to RM240,000 in equity (90% of RM600,000 = RM540,000 – RM300,000 = RM240,000).
Typically required documents include:
Our consultants will provide you with a customized checklist based on your specific situation.
Through our expedited process, most qualified personal loan applications receive approval within 3-5 business days, compared to the standard 2-3 weeks through direct bank applications. For urgent cases, we have secured approvals in as little as 24-48 hours for eligible clients.
Personal loan interest rates in Malaysia typically range from 5% to 12%, depending on your financial profile, loan amount, tenure, and the lending bank. Our consultants leverage bank relationships to secure rates at the lower end of this range whenever possible.
Yes, self-employed individuals can qualify, though the documentation requirements differ from salaried employees. We have specialized experience in helping entrepreneurs, freelancers, and business owners secure personal financing by properly documenting income through bank statements, tax returns, business contracts, and other supporting evidence.
Most personal loans in Malaysia don’t require guarantors if you meet the income and credit requirements. However, if you have limited credit history or previous challenges, a guarantor might improve your approval chances or help secure better rates. Our consultants will advise whether a guarantor would benefit your specific situation.
Debt consolidation combines multiple debts (typically high-interest obligations like credit cards and personal loans) into a single loan or payment plan with better terms. This simplifies your finances with one monthly payment, typically at a lower interest rate. The consolidation can be achieved through personal loans, balance transfers, specialized debt consolidation programs, or formal arrangements like AKPK’s Debt Management Program.
Savings vary based on your current debt profile, but many clients see interest rate reductions of 5-10% on high-interest debts like credit cards. For example, consolidating RM50,000 in credit card debt (at 18% interest) into a personal loan at 8% interest could save approximately RM30,000 in interest over a 5-year repayment period.
AKPK (Agensi Kaunseling dan Pengurusan Kredit) is Malaysia’s government-established debt management agency offering free counseling and formal Debt Management Programs. Private debt consolidation typically involves creating a new loan facility or informal arrangements with creditors.
Key differences:
We offer both private consolidation solutions and assistance with AKPK applications, recommending the most suitable approach based on your situation.
Timeline estimates by service type:
Our fee is only due after your loan or financial solution is successfully approved. We typically charge a percentage of the approved amount or a flat fee depending on the service type. The exact fee structure will be clearly communicated during your initial consultation before you engage our services. Payment can be made via bank transfer, credit card, or other arrangements after you’ve received your approval.
Yes, we provide continued support throughout your loan tenure. This includes assistance with:
Contact our loan specialists today for a free, no-obligation consultation. Discover how we can help you secure the financing you need with terms that work for your situation.
Contact our team for personalized answers to your specific questions. We’re here to provide clear, honest information about how our services can help you achieve your financial goals.
Since 2010, M Plus Marketing Consultancy is a professional banking agency working closely with all Malaysian banks. We serve our clients to get their loans in an orderly manner and get approved with peace of mind.
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