Bank Loan Malaysia

Secure the Right Bank Loan in Malaysia with Bluebricks

At BlueBricks, you can count on receiving expert guidance tailored specifically to your needs, paving the way for your financial success. We excel in obtaining the right bank loans in Malaysia for our clients, utilising our comprehensive understanding of the latest financial strategies and loan options.

What is a Bank Loan in Malaysia?

A bank loan in Malaysia is a sum of money borrowed from a financial institution or bank. Both individuals and companies, whether sole proprietorships or private limited companies (Sdn Bhd), that acquire this type of loan are responsible for repaying the debt along with interest charges until the entire principal amount is settled.
Generally, bank loans consists of other miscellaneous costs such as arrangement fees, insurance, covenant compliance costs, and professional advice charges. Each bank would have different interest rate charges, and the rate depends on the total amount and the type of bank loans offered.

Who Needs a Bank Loan in Malaysia?

Bank loans are designed to meet the specific needs of individuals or businesses, including expansion, launching a new venture, consolidating debt, and more. They are also sometimes utilised as trade credit or overdraft facilities.


In Malaysia, there is a wide variety of bank loans, each with its advantages and disadvantages, influenced by several crucial factors. Therefore, when applying for a loan, it’s important to understand which type is best suited for your objectives based on the intended purpose of the loan.

Reasons Your Bank Loan in Malaysia 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 application. 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 track records, including late or overdue transactions and your 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 it comes to a loan application. This is because the bank does not have enough information to decide if you are a good paymaster or vice versa.

How Can We Help

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.

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 with your bank loan in Malaysia!
Ready to explore your options? Fill out our form to discover how we can help you with your bank 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.

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Bank Loan Malaysia – FAQs

Banks in Malaysia offer various types of loans, including personal loans, home loans, car loans, education loans, and business loans, each designed to meet different financial needs and goals.

Eligibility criteria for bank loans in Malaysia vary by loan type and bank but generally include:

  • Being a Malaysian citizen or permanent resident.
  • Meeting age and income requirements.
  • Having a good credit history.
  • Providing necessary documentation like identification, income proof, and employment details.

Minimum income requirements depend on the loan type and the bank's policy, but they typically start at RM3,000 per month for basic personal loans. Requirements can be higher for more substantial loans like home mortgages.

Failing to repay a bank loan in Malaysia can lead to penalties, increased interest rates, and negative impacts on your credit score. In severe cases, it may lead to legal action and the seizure of assets used as collateral for secured loans.