Hey, here's a little secret – not all legit options come from banks. Yeah, you heard me right!

Besides banks, there are some legal alternatives for personal loan. Take AEON Credit, for example. They're a listed company in Malaysia, and their records go into CCRIS, just like the big banks. Their loan offers are pretty similar too, so it's worth checking out.

Now, let's talk about JCL Credit. They offer money lending following KPKT guidelines. Some other money lending companies are legit too, but watch out – their interest rates might be a bit higher, and the loan terms could be shorter, leading to higher monthly payments.

Now, for all you business owners out there, don't worry! There are alternatives to traditional banks with easier approval processes. Ever heard of peer-to-peer lending companies like Funding Society, Fundaztic, and Boost Credit? They're totally legal and do things by the book. No shady stuff here, I promise. But keep in mind, their loan tenures might be shorter, and the interest rates could be a tad higher.

Remember, it's all about doing your homework and checking the background of any company before you jump into a loan agreement. 

At 3X Advisors, we've got your back. We'll help you find the best bank loans and other legal alternatives that match your goals. So, no need to stress – we've got this!