How You Can Obtain
Personal Loan for Blacklist
in 30 Days
As Featured In
Bluebricks is a 100% bank loan solution provider specialising in personal loans for blacklist cases, helping you obtain financing even with bad credit scores, including situations such as:
We only need 3–5 days to provide you with a complete plan. These plans are tailored to your best interests, allowing you to choose the one that suits you best.
Your debt-free future starts here.
We Understand Your
Worries and Concerns
Have you been scammed by fake loan consultants?
Are you afraid of dealing with illegal money lenders?
Do you think consulting a loan expert is a
waste of time?
Concerned about hidden fees and extra charges?
Worried about loans being submitted without your consent?
Testimonials
What our clients have to say:
Who Is This Solution For?
Who Is This
Solution For?
You’re a good fit for this solution if:
- You want to obtain a new personal loan to consolidate your bad debts
- You wish to lower your monthly commitment by converting high interest loans to lower interest loans with longer loan tenure.
- You are having problems with high credit card usage, late repayments on your existing bank loans, loans being put under special attention accounts, and trade references.
- You wish to obtain some cash in hand to settle your debt and be in control of your financial situation.
- You want to get an extra loan for investment.
You’re not a good fit for this solution if:
- You have a legal case going on, legal summons, or declared bankruptcy.
- You don’t have a monthly salary of RM3,000 and above with EPF deduction.
- You are not in a hurry to settle bad debts with the bank.
- You can pay the outstanding debts you have with banks and wait for 12 months to apply for a new bank loan yourself.
Service Features & Benefits
Here are the features and benefits of Bluebricks’ bank loan services, such as applying for a personal loan for blacklist individuals, and addressing common worries people have:
What Clients Liked About Us
when looking for a bank loan agency:
No Upfront Payment
We do not ask for any money upfront. Many scammers ask for upfront payments with false promises. We want you to feel safe and assured that we are genuinely here to help.
No Interest Charged for Settlement Fund
We pay off your bad debts first to help fix your credit score. Then, we get you a personal loan for blacklist cases to cover these debts and our fee, giving you some extra cash if needed.
Unlike others, we don’t charge interest on this upfront payment. We are with you through the whole process, even if there are delays, ensuring you don’t worry about extra costs.
Only One Fee
Proper Agreement Signed Before Execution
Before submitting any documents to the bank, we ensure a formal agreement is signed with you. This approach keeps you in control throughout the process. We only receive payment after your loan is approved, guaranteeing we will not submit anything without your explicit consent.
Obtain Your Proposal Within 3–5 Days
We efficiently prepare a comprehensive proposal for you in just 3–5 days. This proposal will outline the best loan options suited to your specific situation. It’s worth the short wait to get a well-crafted plan that can significantly improve your financial outlook.
Comprehensive Proposal
We know that one size does not fit all. Unlike agencies that push a single, often high-interest loan, we provide you with at least two tailored options. This approach allows us to find the best fit for your unique financial situation and goals.
You Pay Us Afterward
Our fee is only due after your loan is successfully secured and disbursed. This payment structure ensures your peace of mind throughout the process, as you only compensate us once you have seen tangible results.
How Can Bluebricks Solve Your Loan Rejected Issues?
Step 1: Consult
We would first understand the objective of your loan and what is the loan amount required.
Step 2: Find Out Why
Find out all the reasons as of why your loan is rejected.
Step 3: Solution
To tailor make the best loan solution that is for you.
Step 4: Understand
Make you understand the whole loan processes and procedures before handing over to Bluebricks to execute for you.
Step 5: Apply
To help you apply your loan with the bank that likes you (gives you good credit rating and approve higher loan sum).
Step 6: Process and Approval
Walk you through the whole process after approval that includes signing of your bank agreements and eventually get the loan disbursed (cash in hand yeay!).
Case Study
Wilson Wai Kit
Financial Advisor
With extensive banking experience, notably as a mortgage sales officer at UOB Bank, Wilson leverages his understanding of loan applications and approvals to offer financial insights and support to empower individuals to make informed decisions regarding their financial futures. Feel free to contact him for assistance with your financial needs!
Feel free to contact him for assistance with your financial needs!
Karl
Financial Advisor
Karl has a background in banking and real estate, with roles ranging from Mortgage Officer at UOB Bank to Director at Vestcom Realty. He’s skilled in managing mortgage loans and real estate projects and works closely with bank officers, money lenders, and lawyers to solve clients’ loan issues.
Karl is currently a key contributor to business loan development at Bluebricks.
Frequently Asked Questions
You can buy a CTOS report from Touch’ n Go and send it to us. Our specialists will check for bad credit for free. You can also check it yourself using the sample we provided.
Alternatively, you can provide a copy of your IC to Bluebricks, and we will check the latest CTOS report for free. Our specialists will then check for bad credit for you.
- Low & Poor Credit Score (300-650): Your credit score doesn’t drop suddenly; it lowers due to specific reasons like late loan payments, having an SAA, entering AKPK, or repeatedly applying for bank loans.
- Late Payment: If you miss the due date and don’t pay the bank the specified amount, it is considered a late payment. Typically, the bank gives a 14-day grace period. After that, it gets recorded in your credit record for 12 months. If you are more than one month late (two months or more overdue), you generally can’t get any bank loan.
- SAA (Special Attention Account): If you are late by at least two months on your credit card or personal loan payments, the bank will closely monitor your account and update Bank Negara about your late payments. Your loan account will then enter SAA.
- AKPK (Agensi Kaunseling dan Pengurusan Kredit): This will appear as a “K” remark in your credit report, indicating you joined the AKPK program. It shows you had financial issues at the time and needed help negotiating and lowering your monthly bank payments.
- Trade Reference: This means you signed a contract but didn’t fulfil it, so the other party notified CTOS. Banks and service providers use this as a reference. (Currently, banks reject loan applications from clients with trade references.)
- Koperasi Trade Reference
- Money Lender Trade Reference
- Telecommunication & Buy Goods Trade Reference
The fastest is 30 days, and the longest can be 90 days. This depends on how quickly your bank updates your record.
It also depends on how much loan amount you need. The larger the loan amount, the longer it takes.
- Cons:
- Need to pay a consultation fee.
- It doesn’t get approved immediately; it takes at least 30-90 days to get the personal loan.
- Increases total liability.
- Pros:
- You get a sum of cash in hand.
- Reduces monthly payments.
- Increases monthly cash flow.
- Temporarily solves financial problems, giving you a breather.
- Less pressure from banks calling for payments.
- Consolidates all debts into one or two loans, making it easier to manage monthly payments.
- Previous bad records disappear.
- Improved credit report, making it possible to buy a car or house.
- No fear of your company knowing about a bad credit report (especially big companies that regularly check employee credit reports).
Method 1: The slow method, where you don’t need a loan agency, and hence you save on consultation fees.
- If you have a Low & Poor CTOS score (300-650)
- Keep paying the bank on time for 6-12 months, clear SAA, and trade references. When the score reaches 650, you could start applying for a personal loan.
- If you have late payments: maintain on-time payments for 6-12 months.
- When late payment credit records disappear in CTOS, you could start applying for a personal loan.
- If you have SAA (Special Attention Account): Negotiate repayment terms with the bank. After clearing it, you could apply for a personal loan.
- Trade references:
- Koperasi Trade: Negotiate repayment terms with Koperasi. You could apply for a personal loan once it is cleared.
- Money Lender: Negotiate repayment terms with Money Lender. You could apply for a personal loan once it is cleared.
- Telecommunication & Buy Goods Trade reference: Negotiate repayment terms with Telco or a shopping company. You could apply for a personal loan once it is cleared.
Method 2: The fast method is to find a loan agency to solve the bad credit record, then apply for a personal loan.
Method 3: Borrowing from a money lender. Money lenders are more lenient with bad credit. Note that the loan amount is small, and the interest is high (over 18% per year is very high).
- First, identify the purpose of a new loan.
-
- You need money in a short time (Bluebricks takes at least 30 days due to bad credit issues).
- Reduce monthly burden.
- Increase monthly cash flow.
- Need to clear bad credit quickly (to apply for a credit card, buy a car, buy a house, or for career needs).
- Avoid stress from banks calling for payment.
[If none of the above, you can slowly clear your bad credit or choose to enter AKPK]
- Is there an emergency?
- Review your budget and see where the problem is.
You don’t need to trust us just yet before we sign an agreement to proceed with your loan.
Booking for consultation and opting for our proposal and breakdown calculation is free.
Therefore, we recommend you go through our Bluebricks proposal and Bluebricks breakdown calculation before you decide if you want to proceed with us and entrust us to submit your loan for you.
You may also check successful examples as a reference of what will happen when you apply for a loan with us.
Moreover, we shall highlight that we hold a bigger risk as we make a settlement to your bad credit facilities first. Please remember that none of our agents will charge you any fee or any payment involved upfront.
If your loan is not approved, we are at a huge disadvantage.
Therefore, our proposal and execution of your loan would be comprehensive and prudent. That means we don’t take on every case.
Yes, our proposal and breakdown calculation in our steps will not be submitted to the banks and definitely will not affect your credit score.
We use our system to calculate your DSR and bank current loan interest, together with the help of our banker connections, to review how much you can borrow.
Also, if you don’t SIGN any bank loan application forms, bankers can’t submit your file into the system, and hence it will not affect your credit score at all.
Monthly installment = [(Loan amount x interest per year x loan term) + loan amount] / [loan term x 12 months]
Example:
- Loan amount = RM100,000
- Interest per year = 10%
- Loan term = 10 years
Step-by-step calculation:
- Calculate the total interest: 100,000 x 10% x 10 years = 100,000
- Add the loan amount: 100,000 (interest) + 100,000 (loan amount) = 200,000
- Divide by the total number of months: 200,000 / (10 years x 12 months) = 200,000 / 120
- The monthly instalment is: RM1,666.67
So, the monthly instalment is RM1,666.67.