Private Personal Loan Advisor Agency in Malaysia
Personal Loan Advisor Agency Service
As a trusted bank loan advisor and personal loan agency in Malaysia, we offer guidance and solutions for applying with any suitable banks.
Assessment: Evaluating the client's financial situation to determine the appropriate type and amount of loan needed.
Loan Comparisons: Providing information on different loan products from various financial institutions, comparing interest rates, terms, and conditions.
Application Assistance: Guiding clients through the application process, ensuring all required documents are in order.
Financial Advice: Offering general financial advice, such as budgeting and debt management, to help clients make informed decisions.
Negotiation: Acting on behalf of clients to negotiate better terms with lenders.
Post-Loan Support: Assisting with any issues that arise after the loan is secured, including repayment strategies.
XTRA CASH
Xtra Cash Bank Loan
We are a private loan agency that provides comprehensive personal loan advisory services in Malaysia and assists with urgent cash requirements no matter the scale of the amount, all with the expertise of a bank loan consultant Malaysia.
When you take out a personal loan from a bank, you gain access to funds for emergencies, medical expenses, education, and other personal needs.
Our collaboration with you is tailored to an agreed fixed commitment that suits your budget, providing ready cash when needed and ensuring easy financing.
Through our personal loan advisor agency service, you can attain peace of mind and have the flexibility to afford both the sudden, unexpected moments and planned milestone events of life without worries.
Benefits
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Fast Approval
Personal loans from banks are typically approved rapidly, with a turnaround time of 3-5 days. This quick availability of cash can be crucial during emergencies or times of need where time is of the essence.
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Flexible Tenure
Bank personal loans provide flexibility in choosing a tenure of up to 10 years. Opting for a longer tenure results in lower monthly commitments, allowing for more manageable planning and enhancing your ability to meet various goals with ease.
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High Loan Amount
Bank personal loans offer the potential for obtaining a high loan amount when the application process is well-managed. This flexibility allows you to address various needs and objectives, making it a versatile solution for a wide range of needs.
Rejection Reasons
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A primary reason for bank loan rejections when seeking additional cash is high commitment due to elevated credit card usage and existing obligations. Such high commitments often result in either outright rejections or approvals for minimal amounts, hindering your access to the cash you need.
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High-interest bank personal loans can result in increased commitments, leading to loan rejection. Clients may miss the opportunity to secure loans at favorable rates, starting from 3% per year, with tenures of up to 10 years, which would be more beneficial for their well-being.
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Inadequate planning, such as commitment management, often results in low loan approval amounts. Even applying to multiple banks may yield similar outcomes. Moreover, securing another loan after the initial approval becomes challenging, emphasizing the importance of thorough preparation from the start.
3X Solutions
3X SOLUTIONS
High Commitment
High commitments, as seen in a CCRIS report nearing RM3,000 per month, can limit loan amounts, often requiring a minimum monthly income of RM6,000 for higher loan approval. Additionally, high credit card usage impacts scoring negatively.
Our solution centers on eliminating high-interest commitments like credit card debts and existing loans before applying for new ones.
This approach enhances your eligibility for higher loan amounts, ensuring greater flexibility to address various needs and aspirations while improving your overall health.
3X SOLUTIONS
High Interest
High-interest loans, as indicated by a CCRIS report with a 36k loan amount and monthly installments exceeding RM700, can be burdensome and limit loan approvals.
Our solution focuses on securing loans with interest rates as low as 3% and tenures of up to 10 years, enabling a 36k loan to result in installments of less than RM400 per month.
As the best loan consultant in Malaysia, we are committed to finding the best rates for you, ensuring more manageable commitments and improved loan approval prospects while addressing your needs.
3X SOLUTIONS
Low Approval Amount
Low credit scores, often due to poorly structured loan applications, and high commitments disclosed in the CCRIS report can influence the amount of the loan approved. Once a lower amount is agreed upon, further appeals may not be successful.
Here, our business's direction will be to rectify this problem by enforcing payment discipline, cutting down liabilities, and facilitating the taking of higher loan amounts.
As a professional personal loan agency in Malaysia, we are dedicated to helping you secure the funding you need to achieve your dreams. We strive to make the loan approval process with bankers as smooth as possible.
Your Questions, Answered
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We arrange bank personal loans either as cash loans paid to you, or as overlap/consolidation loans that first settle your existing commitments and then give you the balance as cash. We’ll recommend the option that best fits your monthly budget and goal.
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Eligibility is simple: age 21–60, with at least 3 months of employment or 6 months in business. We’ll review CCRIS/CTOS, bank statements and income proof to match you with a bank that’s likely to approve at a comfortable instalment.
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Rates and tenure depend on your profile and the bank. As an example, a lower rate around ~3% p.a. over 10 years puts RM100,000 at roughly about RM1,000/month. Compare that to ~10% p.a. over 5 years, where RM100,000 is around about RM2,500/month. We’ll run the numbers for you so you can clearly see the monthly and total cost before deciding.
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Timing varies by bank and documents. Some approvals are as fast as 1 day, many cases complete in 5–7 days, and certain banks may take 2–3 weeks due to processing or additional checks. We keep you updated at every step.
XCLUSIVE ADVICE
Contact us today!
At Xtra Cash Solution Service, our Xpert personal loan advisor agency team is here to provide Xclusive advice to address high-commitment challenges. We specialize in finding the best interest rates and solutions to help you achieve your Xceptional goal of securing the personal loan amount you desire from banks.
Contact us for other service information.