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Debt consolidation
Debt Consolidation With One Loan.
Pay off several debts with one loan of RM2,000 – RM100,000 and make one monthly payment, over up to 60 months.
Key terms
Debt Consolidation at a Glance
- Amount: RM2,000 – RM100,000
- Tenure: up to 60 months
- Interest: up to 18% a year
- Collateral: none
- Use: paying off credit cards and other loans
Consolidation only helps if the total cost of the new loan is lower than your current debts. We show you the comparison before you decide.
This is a loan from a licensed moneylender (KPKT Licence No. WL4248/10/01-12/130928), not debt counselling or debt management. If you are struggling with debts, AKPK offers free counselling.
Costs
What You Pay
Every cost is set out in a written offer before you sign the agreement.
Cost examples at the maximum rate of 18% a year, calculated on the original loan amount:
| Loan | Tenure | Monthly instalment | Total interest | Total repayable |
|---|---|---|---|---|
| RM5,000 | 12 months | RM491.67 | RM900.00 | RM5,900.00 |
| RM10,000 | 24 months | RM566.67 | RM3,600.00 | RM13,600.00 |
| RM30,000 | 36 months | RM1,283.33 | RM16,200.00 | RM46,200.00 |
| RM50,000 | 60 months | RM1,583.33 | RM45,000.00 | RM95,000.00 |
Estimates before stamp duty and legal costs. Your actual rate, instalment and total are set out in your written offer.
Loan Calculator
Estimated monthly instalment at a flat rate
Unsecured · max 18% a year
Monthly instalment
RM0.00/month
for 24 months
- Loan amount
- RM0.00
- Total interest
- RM0.00
- Interest rate
- 18%
- Total repayable
- RM0.00
No upfront fees. A written offer before you sign anything.
View yearly repayment schedule
| Year | Paid | Principal | Interest | Balance to pay |
|---|
Estimate using a flat rate on the original loan amount, before stamp duty and legal costs. Your actual rate, instalment and total are set out in your written offer.
Interest within the legal limit
Up to 18% a year for unsecured loans, the maximum allowed under the Moneylenders Act 1951.
No upfront fees
Apart from interest, you only pay stamp duty, fees payable by law and legal costs. No processing fee.
Late payment
If an instalment is late, simple interest of at most 8% a year applies to the overdue amount only. No compound interest.
Who it suits
Who Should Apply?
Salaried employees with several high-interest debts who want one fixed monthly payment.
Suitable for
- Several credit cards or loans
- Want just one monthly instalment
- Monthly income of RM1,500 or more
- Repayment record still under control
Common uses
- Paying off credit card balances
- Paying off other personal loans
- Combining overdue bills
- Restructuring monthly cash flow
Eligibility & documents
Debt Consolidation Eligibility and Documents
Prepare these documents to speed up your assessment.
Eligibility
- Malaysian citizen aged 21–60
- Salaried employee (not self-employed)
- Minimum monthly income of RM1,500
- Able to afford the instalment after existing commitments
Documents
- Copy of MyKad (front and back)
- Latest 3 months' payslips
- Latest 3 months' bank statements
- Latest statement for each debt you want to pay off
- Latest EPF statement or EA form
FAQs
Debt Consolidation FAQs
How does debt consolidation work?
We give you one loan to pay off your existing debts. After that, you make one monthly instalment to us.
Will my instalment definitely be lower?
Not always. It depends on the rate and tenure. We show you the real figures before you agree.
What is the interest rate?
Up to 18% a year, the legal maximum for an unsecured loan. No compound interest.
Can I apply with a CCRIS or CTOS record?
You can apply. We assess every application individually and do not guarantee approval.
Is this a debt management programme?
No. It is a normal loan from us. For counselling and debt management, contact AKPK.
Which debts can be consolidated?
Usually credit card balances and personal loans. List your debts when you apply and we will assess them.
Is SuperPinjamMan a licensed moneylender?
Yes. We are licensed under the Moneylenders Act 1951, KPKT Licence No. WL4248/10/01-12/130928, valid 14/09/2026 – 13/09/2028.
Ready to Apply?
Fill in the form and our officer will contact you within 5 minutes during office hours (Mon–Fri, 9:00am – 6:00pm).
SuperPinjamMan is a KPKT-licensed moneylender. Personal, debt consolidation, property-secured and business loans with written agreements and rates within the legal limit.
Areas: Selangor · Kuala Lumpur · Penang · Johor · Putrajaya · Negeri Sembilan
Loans
Help & Guides
About
Our Company
SSM Registration No.
200001016954 (519561-V)
KPKT Licence
WL4248/10/01-12/130928
Licence Validity
14/09/2026 – 13/09/2028
Interest Rate
Up to 18% a year (unsecured) / 12% (secured)
SuperPinjamMan is a moneylender licensed under the Moneylenders Act 1951 (KPKT licence no. WL4248/10/01-12/130928). Approval is subject to our assessment. Borrow only what you can afford to repay. We never ask you to transfer money as a processing fee or deposit to release a loan.
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