Most customers choose personal loans to consolidate multiple debts into one with lower interest, or simply to access extra cash.
Even if you are blacklisted or under AKPK, we can help you recover and improve your credit profile and work towards securing a bank loan.
A business loan is vital for growth. It helps improve cash flow, provides the capital needed for expansion, and prepares businesses for challenging times.
Since loan requirements evolve over time, we stay up to date with the latest criteria to assist you in securing the right business loan.
At JKB Consultancy, we never require any upfront or processing fees.
You can consult with us for free before deciding to use our services, and we ensure complete transparency regarding all charges. If anyone requests payment before your loan is fully disbursed, please note that they are not our staff and are likely scammers.
Our fees depend on the complexity of your financial needs and the type of service required.
At JKB Consultancy, we value transparency—fees are always discussed upfront during your first consultation.
Every solution is customized to match your goals.
Absolutely not.
Our consultation is completely free, and you will only be charged if you decide to proceed with our services.
We value transparency and never collect any upfront or processing fees.
JKB Consultancy is a trusted financial consultancy.
We do not provide loans ourselves; we help clients with bank debts and loan applications, with 100% of funds disbursed by the banks.
We can assist with applications to all major banks in Malaysia, as well as licensed non-bank institutions and platforms such as AEON and P2P financing providers.
Please note that we do not provide loans directly; all funds come from banks or approved financial institutions.
Loan interest rates depend on factors such as your credit profile and financial standing.
While JKB Consultancy cannot directly set the rates, our consultants work closely with banks to secure the most competitive offers available and help you achieve your financial goals.
The loan tenure for personal and business/SME loans is up to 10 years, with interest rates starting from 3%, subject to your profile.
We work closely with banks to secure the most competitive rate tailored to your financial situation.
We cannot guarantee loan approval, as every client’s profile is unique.
However, with our extensive experience, in-depth knowledge, and ability to resolve issues before submission, we significantly increase your chances of approval. Our commitment is to guide you towards successfully securing your bank loan.
For personal loan, usually it takes 2-7 days to get the loan.
For business / SME loan, it can be slightly longer.
Let us help you check your CTOS report for free, and this will speed up the application process.
For personal loan, applicants must have salary (excluding OT, allowances, and commissions) is RM2,000 or more least and at 6-month record of credit card usage or a bank loan facility.
Additionally, applicants should not have any delayed payments for two consecutive months, be blacklisted, or be under the AKPK program, unless your basic salary (excluding OT, allowances, and commissions) is RM5,000 or more.
For business loans, applicants are required to have a minimum of one year of business registration with the SSM (Suruhanjaya Syarikat Malaysia).
Of course.
We’ll first review what’s driving your high financial commitments and guide you with solutions.
Once that’s addressed, we’ll apply to banks with the best rates to either ease your monthly burden or put more cash in your hands.
Missed payments, blacklisted, or under AKPK ?
Don’t worry — if your basic salary (excluding OT, allowances, and commissions) is RM5,000 or above, we can guide you step by step to settle your debts and prepare for a successful bank loan application.
Certainly.
We will first assist you by reviewing a CTOS report to identify the reasons for any loan rejection and address them where necessary.
Based on your profile, we are able to apply to all banks in Malaysia to maximize your chances of approval.
Yes.
We do accept if under the state government (PKNS, Penang Water Supply PBAPP, etc.), GLC (Sime Darby, Petronas, etc.) or federal government (army, police, government school teachers, etc.)
Yes.
you do not need to be in KL, even if you are in Sabah, Sarawak, or overseas like Singapore, Dubai, Australia, etc.
We can do it online and assist with your loan application.
Looking for the right loan solution? Get in touch and let us help you achieve your goals.
