Fast Approval Personal Loan Malaysia

Your Go-To for Swift Financing

Whether you’re paying for your family’s medical expenses, planning a home renovation, or simply needing a financial boost, Bluebricks makes financing easy and stress-free! We believe that obtaining personal loans should be simple, fast, and affordable, without the headaches that often come with traditional banks and lending institutions.

Fast Approval & Low Interest Personal Loans

At Bluebricks, we understand that time is of the essence when seeking a personal loan. That’s why we’re committed to streamlining your personal loan application process, ensuring fast approvals and low interest rates.

Our personal loan specialists strive to maximise your approval chances, provided you possess a good financial record and documentation. Even if you have high financial obligations (e.g. car loans, personal loans, PTPTN, credit card bills, and mortgage loans), we’re able to help.

We can also assist individuals with poor credit, although it may be hard to gain approval as lenders will worry about your ability to make payments. Nonetheless, we carefully evaluate each application individually to develop solutions to help you achieve your financial goals.

How Quickly Can You Expect to Receive A Personal Loan?

At Bluebricks, we are dedicated to providing exceptional service and quick turnaround times. Therefore, you can expect to receive a personalised personal loan proposal in just one working day with no upfront fees!

Our Personal Loan Disbursement Process

Once your loan application is approved, you will receive an approval message from the bank.

The next step is to sign the letter of offer. You can visit one of the bank’s branches or have a call recording with a bank representative (depending on the bank’s policies).

Additionally, in order to receive your funds, some banks require you to open a savings account with them. However, this requirement may vary depending on the bank you are borrowing from.

After your savings account is set up, the loan amount will be disbursed into the account within one to two working days.

Reasons Your Personal Loan Application Was Rejected

Banks have their own criteria for any loan application, and being employed is one of them. This is because your income indicates if you are capable of repaying the loan.

If you fail to prove that you are employed or are producing enough income to repay the loan, the bank will automatically reject your loan application.

Even if you have proven that you are employed, any changes to your income can also affect your personal loan application in Malaysia. For example, although your credit score does not indicate your current income level, banks will require you to disclose the information for further assessment. Your application will be rejected if your salary does not meet the bank’s requirements.

The bank will access your financial track records and review your CCRIS and CTOS scores, taking note of late or overdue transactions and your remaining monthly balance. They will use this information to assess your credit risk and determine whether you are a trustworthy borrower.

Some of us may not have credit cards or other financial commitments as we are too worried about spending. However, this does not help when applying for personal loans in Malaysia. This is because the bank does not have enough information to decide if you are a good paymaster or otherwise.

How We Can Help Get Fast Approval Personal Loan in Malaysia

At Bluebricks, we are committed to providing clear, concise information and support to help you navigate your loan options in Malaysia. We offer a range of solutions, including:

Rejected Loan

Our loan experts analyse the reasons behind your rejection and work with you to enhance your chances of loan approval and clear any adverse records in CTOS/CCRIS.

However, this service is exclusive to those with a basic income of RM 5,000 and EPF deductions; other income types are ineligible.

Increase Loan Amount

We assess your financial profile, providing insights on maximising your eligibility and connecting you with the right financial institutions to meet your specific needs.

Low Interest & Fast Approval

We specialise in finding low-interest loan options coupled with fast approval processes, ensuring you get the financial support you need without unnecessary delays.

Get In Touch With Our Loan Experts

Ready to explore your options? Fill out our form to discover how we can help you get fast approval personal loan in Malaysia!

Ready to explore your options? Fill out our form to discover how we can help you get fast approval personal loan in Malaysia!

Why Bluebricks?

One of the Top 10 Leading Loan Agencies in Malaysia

We act as your loan agents and represent not only individuals but also businesses. As technical financial advisors, we work with various borrowers and support you to get your loans approved. You will have access to a wide range of loans, even if banks have rejected you. Our goal is to offer advice that helps ensure your loan applications are successful and not subject to rejection.

Over 10 Years of Experience

Since 2014, we have been assisting clients in securing various types of loans, including personal, business, mortgage, and collateral loans. Our expertise extends to overcoming challenges such as CTOS/CCRIS issues, income documentation problems, and high commitment situations, offering comprehensive solutions tailored to each client's needs.

Moreover, our ten years in the field have equipped us with a deep understanding and up-to-date banking knowledge, enabling us to effectively resolve loan complications. Complex loan scenarios are our forte, ensuring we guide you towards a successful loan approval with confidence.

One-Stop Solution

We offer comprehensive loan services, acting as a one-stop solution for our clients, where we compile a variety of loan options from banks and credit houses for your consideration. All you need to do is provide us with the necessary documentation, including your income statement, assets and liabilities, employment record, and credit history. We will manage your collateral and documentation to facilitate loan approval.

Full Financing with 100% Bank Loans

We understand that financial accessibility is key, which is why we offer 100% bank loan availability. This unique opportunity is perfect if you are in need of complete financial support, providing an accessible path to your goals while also helping you build a positive credit history.

No Upfront Payment Required

We believe in easing your financial journey from the start. With our no upfront payment policy, you can embark on your investment without any initial financial strain, not only reducing your immediate burden but also reflecting our commitment to your satisfaction and trust in our services.

Fast Approval Personal Loan Malaysia – FAQs

Fast personal loans in Malaysia are accessible to individuals with a good CTOS score and complete income documentation.

However, securing such loans may be challenging for those with high financial commitments, as banks have varying policies on assessing financial obligations, setting loan durations, and offering interest rates.

Bluebricks specialises in assisting clients with substantial financial commitments by comparing options across multiple banks to find a suitable match for our clients' needs.

Here are five documents you should have prepared for your personal loan application to be approved quickly:

  • Your proof of identity (e.g., Malaysian Identity Card)
  • Your latest EA or BE form (with official tax receipt)
  • Your latest three months' payslip and bank statement
  • Your latest two years' EPF statements

Here’s what you can do to increase your chances of getting a higher personal loan amount on your desired loan:

  • Maintain A High Credit Score

Make timely payments on your existing debts, avoid maxing out credit cards, and keep your credit utilisation low.

However, it is still possible to be turned down for a loan despite having a good credit score. But don't lose hope just yet!

Our team has experience working with clients who have faced similar challenges, and we can explore alternative options to help you secure the financing you need.

  • Increase Your Income

Take on additional work or negotiate a raise at your current job.

  • Choose A Longer Loan Tenure

With a longer loan tenure, you can benefit from lower monthly repayments, thus making the loan more affordable. However, keep in mind that it will also increase the overall interest cost.

  • Consult A Professional Before Applying for Multiple Loans At Once

You might not be aware, but every credit inquiry to your file can negatively impact your credit score and make lenders reluctant to approve your application. Hence, you should consult loan agencies like Bluebricks before taking this approach.

The maximum personal loan amount an individual can borrow in Malaysia depends on several factors, such as income, credit score, and ability to repay the loan.

Generally, banks and financial institutions offer personal loans in Malaysia ranging from RM1,000 to RM250,000.

Getting A Bank Loan is Easier Than You Think!