RM1,000 - RM100,000 | Licensed Lender | Individual Assessment
Everyone deserves a second chance. We don't just see your credit score—we see your story, your recovery, and your potential. Let us help you rebuild.
✓ CCRIS Records OK | ✓ CTOS Issues Considered | ✓ Bankruptcy Discharged Welcome | ✓ Bank Rejections Accepted
We're not a bank. We're a licensed money lender that looks at the whole picture—not just a number.
Automated rejection systems
Banks use algorithms. Algorithms don't understand life happens.
Individual human assessment
We use judgment. Humans understand that people change and grow.
Banks ask: "Why did you fail before?"
We ask: "How can we help you succeed now?"
Knowledge is power. Let's demystify Malaysia's credit reporting systems so you understand exactly what lenders see.
Managed by Bank Negara Malaysia (BNM)
All your current loans: personal loans, credit cards, hire purchase, housing loans
0 = paid on time, 1-6 = months overdue, 9 = write-off/legal action
Every time you apply for credit in the last 12 months
Accounts with payment issues, restructured loans
Banks fight for you. Lowest interest rates. Instant approval.
Banks approve easily. Good interest rates offered.
Banks might approve with higher rates. Need strong income proof.
Banks likely reject. Licensed lenders will consider.
Banks auto-reject. We still consider with stable income.
⚠️ You're entitled to check your CCRIS for FREE. Don't pay anyone for this!
Private credit bureau (more comprehensive than CCRIS)
Bankruptcy proceedings, winding-up petitions, litigation history
Payment behavior with utilities (TNB, Telekom), telcos, postpaid bills
If you're a company director, any business issues reflected
CCRIS only shows 12 months; CTOS keeps records longer
Any bounced cheques in the past
Clean record. No late payments. No legal issues.
Good standing. Minor issues maybe 2+ years ago.
Some payment delays or trade reference issues.
Multiple late payments or legal record.
Bankruptcy, litigation, or severe payment defaults.
💰 Note: Unlike CCRIS (free), CTOS charges a fee as it's a private company.
| Factor | CCRIS | CTOS |
|---|---|---|
| Managed By | Bank Negara Malaysia (government) | CTOS Data Systems (private company) |
| Cost to Check | FREE | RM30-50 per report |
| Banking Info | Last 12 months only | Longer history (24+ months) |
| Legal Records | No | Yes - bankruptcy, litigation |
| Utility Bills | No | Yes - TNB, Telekom, telco |
| Who Checks It | All banks, most licensed lenders | Banks, lenders, landlords, employers |
| Update Frequency | Monthly | Real-time (depending on data source) |
💡 Key Takeaway: Most lenders check BOTH. CCRIS shows your banking behavior; CTOS shows your overall financial trustworthiness including non-banking matters.
These are real clients who rebuilt their credit and regained financial freedom. Your story can be next.
Small Business Owner - Kuala Lumpur
"ePlatform didn't reject me when banks did. They saw that I was trying to rebuild, not just my past mistakes."
Teacher - Johor Bahru
"I thought my life was over financially. ePlatform gave me a second chance when I needed it most. Now I'm a homeowner!"
Factory Supervisor - Penang
"From bankrupt to bank-approved in 3 years. ePlatform trusted me when my credit score was literally zero. They changed my family's life."
Graphic Designer - Petaling Jaya
"ePlatform didn't just give me money - they taught me WHY I failed. Now I'm debt-free in 2025 and I actually understand credit!"
Even when banks said "no", they kept trying
We looked at their potential, not just their past
Used the second chance to build better financial behavior
Your recovery story starts here. Apply now.
Realistic timeline from bad credit to loan approval. No magic fixes - just consistent effort.
Your situation: CCRIS/CTOS score below 650, payment arrears, or just discharged from bankruptcy
Action: Apply with us if you need immediate funds. Banks will likely reject.
What to do:
Lender view: Still risky. Only licensed lenders will consider.
What's happening:
Lender view: Seeing improvement. Still cautious but hopeful.
What's happening:
Lender view: You've proven you can repay. SOME banks might consider.
What you can do now:
Lender view: You're a normal borrower now. Welcome back!
You've made it:
Lender view: Prime borrower. Lowest rates offered.
Shows only last 12 months. After 12 months of perfect payments, old arrears disappear from view!
Bankruptcy, litigation stay permanently but impact reduces significantly after 5 years.
Not recorded in CCRIS/CTOS! Only the inquiry shows. Too many inquiries in 3 months looks desperate.
CCRIS updates monthly. Your on-time payment this month will show next month.
Even with bad credit, see what you can afford based on your current income
💡 Bad Credit Tip: Borrow only what you NEED, not the maximum. Paying off a smaller loan perfectly will rebuild your credit faster than struggling with a large one.
Simple requirements - we focus on your ability to repay NOW, not your past
Age 21-65 with valid MyKad
At least 3 months at current job (6 months preferred)
Can be salary, business income, or pension
Discharged bankruptcy is OK! Active bankruptcy cannot borrow legally.
Clear photo or scan - not expired
Most recent month (or 3 months if self-employed)
Shows salary credit pattern (even if credit score is bad, we see income IS coming in)
Utility bill (TNB/water) or tenancy agreement
Illegal to borrow. Wait for discharge first.
If DSR calculation shows you can't pay, we can't approve (protecting you from more debt).
Everything else? Apply and let us assess individually.
Yes, absolutely. While banks use automated systems that reject blacklisted applicants instantly, we are a licensed money lender that reviews each application with human judgment.
We look at:
If you have stable employment for 3+ months and can afford the repayment, you have a good chance of approval even with bad credit history.
Honest answer: Yes, higher than bank rates, but regulated and fair.
Here's the reality:
Why higher rates? Bad credit = higher risk. If we approve 100 blacklisted applicants, statistically more will default than 100 prime borrowers. Higher rate compensates for this risk.
BUT: All our fees are disclosed upfront. No hidden charges. No compounding interest. Licensed by KPKT - we cannot charge above legal limits.
💡 Pro tip: Use this loan to consolidate debt and pay perfectly for 12 months. Your credit score will improve, and you can refinance with a bank at lower rates next year!
If you're UNDISCHARGED bankrupt: NO. It's illegal for you to borrow and illegal for us to lend. No exceptions.
If you're DISCHARGED from bankruptcy: YES! We welcome discharged bankrupts and many banks won't touch.
If discharged, what we need:
✅ We've successfully helped dozens of discharged bankrupts rebuild their credit. Your fresh start begins here.
Short answer: RM1,000 to RM100,000 depending on your income and existing debt.
Detailed answer - it's based on Debt Service Ratio (DSR):
Example: You earn RM4,000/month. You already pay RM1,200/month for car loan and credit card minimum.
Current DSR = (RM1,200 ÷ RM4,000) × 100% = 30%
We can approve up to 70% DSR (some banks only allow 60%).
Remaining capacity: 70% - 30% = 40% = RM1,600/month
If loan payment is RM400/month → You can borrow about RM18,000 (5 years term)
Typical loan amounts for bad credit:
💡 Remember: Just because you CAN borrow RM50,000 doesn't mean you SHOULD. Borrow only what you need. Smaller loan = easier to repay = faster credit recovery.
Both matter, but they show different things.
Which matters more for loan approval?
CCRIS is usually the deal-breaker. If your CCRIS shows late payments in the last 12 months, banks will reject you. BUT remember: CCRIS only shows 12 months. If you had issues 2 years ago, they're not in CCRIS anymore!
CTOS matters more for serious issues. If you have bankruptcy, legal cases, or dishonoured cheques, CTOS will show it even after many years.
💡 Our advice: Check your FREE CCRIS first. If CCRIS looks terrible, don't bother paying for CTOS yet - you know you need a lender like us. After 12 months of clean payments, check both to see improvement!
Paying off debt doesn't immediately fix your score. Building NEW good payment history does.
✅ Key takeaway: The 12-month mark is magical. That's when old bad records drop off CCRIS. Focus on paying perfectly for 12 consecutive months!
⚠️ Common mistake: People pay off debt then don't borrow anything for years, thinking "no debt = good credit." Wrong! No debt = no payment history = no score improvement. You need ACTIVE credit (loan or credit card) that you're paying perfectly to build score.
Yes! Debt consolidation is actually one of the BEST uses for a bad credit loan.
How it works:
✅ Extra benefit: Once you pay off those credit cards, your CCRIS will show them as "settled." Your debt load decreases. And if you pay our consolidation loan perfectly for 12 months, your credit score will SKYROCKET.
💡 Pro tip: After consolidating, CLOSE those credit cards or at least don't use them. Many people consolidate, then max out the cards again. That's how you dig deeper into debt!
Short-term: Tiny impact. Long-term: Can actually IMPROVE your score if you use it wisely.
When you apply, we check your CCRIS/CTOS. This creates a "credit inquiry" on your report. Each inquiry might reduce your score by 2-5 points temporarily.
If you apply to 10 lenders in one month = 10 inquiries = looks desperate = score drops 20-50 points.
⚠️ That's why we recommend: apply to 2-3 lenders max, not 10.
If you use our loan to:
Total change: 587 → 724 = +137 points in 12 months! 🎉
✅ Bottom line: The 2-5 point dip from applying is NOTHING compared to the 100+ point gain from using the loan to fix your debt situation and building perfect payment history.
Everyone deserves a second chance.
We've helped thousands rebuild their credit and regain financial freedom. Ahmad did it. Siti did it. Raj did it. Mei Ling did it. You can too.
Blacklisted clients approved since 2020
Improved their credit score by 100+ points within 12 months
Average approval time even for bad credit
✓ No Judgment | ✓ Individual Assessment | ✓ Licensed by KPKT
"The best time to rebuild your credit was 12 months ago. The second best time is today."