Struggling with high credit card debt but need a loan? You’re not alone. Many Malaysians, especially youth, face this challenge. High credit card balances can lower your credit score, but securing a loan is still possible. Start by checking your CTOS or CCRIS credit score and improving it by paying down debt. Explore options like personal loans, debt consolidation, or peer-to-peer lending, which may offer flexibility. Strengthen your financial profile by increasing income or offering collateral. Finally, compare loan offers to find the best terms. With strategic steps, you can secure the financial help you need.

Getting a loan quickly can be challenging, but it’s achievable with the right approach. Start by checking your credit score through CCRIS or CTOS, as a score between 697–850 improves approval chances. Identify your loan purpose and compare interest rates from various lenders. Consider shorter loan tenures for lower overall interest and evaluate eligibility criteria to avoid rejections, which may harm your credit score. For smaller amounts, licensed money lenders or credit unions may offer quicker approvals. Thorough preparation and understanding lender requirements are key to securing a loan efficiently. Consult 3X Advisor for personalized loan guidance.