Professional Loan Agency in Malaysia

Our service fees typically range between 10% to 30% of the loan amount.

We assess several key factors:

a) Review of your CTOS report issues:

• What issues need to be settled?
• How much money is needed for settlement?
• After settling bad credit, how many banks can we work with?
• After settling bad credit, how much can be borrowed?

b) Your income situation:

• Is your income stable?
• What is your income?
• What industry do you work in?

c) Additional considerations:

• Is your Debt Service Ratio (DSR) over 50%?
• Does the Funder consider your risk high or low?
• How much cash in hand do you need?

This is because your loan application would not be approved directly by the bank. As a professional loan agency in Malaysia, Bluebricks uses funders, bank connections, and our experience to approve your loan.

The timeline typically ranges from 30 to 90 days, depending on:

• Your current bank’s record update speed
• The loan amount requested (larger loans may require more processing time)
• Complexity of your credit situation

We’ll provide a more specific timeline after reviewing your case.

We do not require any upfront fees, stamp duty or legal fees. Please inform our management team if any of our loan consultants have asked you for any upfront payment. We will report them to the police to bring justice to the victims.

Due to the many loan scams in the market today, we decided not to collect any upfront fees as we want our customers to feel safe while we work on their loan applications. You will only pay us once you get your bank loan. 

Moreover, we do not want to cause more stress to our customers as they wait for their loans to be approved. Therefore, we only charge once you have received your desired loan amount.

We only make a profit once our customers have successfully acquired their loans from the bank. Thus, believe us when we say we are together with you to help you get the loan you desire.

Your loan application can be rejected for several reasons:

• Bad credit scores
• Insufficient income
• High debt-to-income ratio
• Missing key information or documents

Not getting the approval for a much-needed loan is not fun, but consulting a loan agency in Malaysia like Bluebricks can help. We identify why your loan application was rejected and will make the necessary amendments to improve your chances of approval.

Startups often struggle to secure SME loans in Malaysia due to the minimum requirement of two years of operation and two years’ worth of income tax submissions.

As a result, we recommend startups consider alternative funding options, such as obtaining a personal loan to gather initial capital.

Yes, in Malaysia, you can use a refinance loan for debt consolidation. Refinancing involves taking out a new loan to pay off one or more existing loans, and it can be a viable strategy for consolidating various types of debt.

While collateral loans in Malaysia offer various advantages, such as lower interest rates and higher borrowing limits, they do carry risks. Examples include:

• Risk of Losing the Asset: If you’re unable to repay the loan, the bank has the right to seize your asset to recover their funds.
• Asset Depreciation: The value of your collateral might decrease over time, which could lead to issues if the loan needs to be refinanced or if the bank requires additional security.
• Financial Strain: If the loan is based on an asset that generates income or has personal value (like a family home), losing it can have significant financial and emotional consequences.