No. Zero. Not a single cent before your loan is disbursed.

This includes — but is not limited to:

• Processing fees
• Stamp duty
• Legal fees
• Administrative charges

If anyone claims to be a FinPlus consultant and requests upfront payment of any kind, do not pay. Contact our management team immediately — that person is not acting on our behalf and will be dealt with accordingly.

We hold ourselves to a strict no-upfront-fee policy, and we hold our team to the same standard.

Speak directly with our team →

Because every loan scam in the market starts with exactly that — an upfront “processing fee” that disappears along with the scammer.

We built our business on the opposite principle: you don’t pay us until the bank pays you. No exceptions.

This isn’t a promotion or a limited offer. It’s simply how we operate — because a company that only earns when you succeed has every reason to work harder for you.

Only after the bank has disbursed the funds directly into your account.

Not when you sign the offer letter. Not when the loan is approved. Only when the money is physically in your hands — that’s when our fee becomes due.

Until that moment, you owe us nothing.

Start your application with FinPlus at zero upfront risk →

Because asking a financially stressed person to pay before seeing results is exactly what scammers do — and we refuse to operate that way.

There are two reasons we made this a firm policy:

1. You’ve already been through enough.
If you’re coming to us, chances are you’ve faced rejection, financial pressure, or both. The last thing you need is another bill before you’ve seen a single result. We don’t add to your burden — we work to lift it.

2. Prepayment is the oldest trick in the loan scam playbook.
Fraudsters know that desperate applicants are willing to pay upfront for hope. We want you to feel safe the moment you work with us — not guarded.

Work with a team that only wins when you do → PM FinPlus now.

Simple: we only get paid when your loan is approved.

No upfront fees. No consultation charges. No payment if we don’t deliver results.

This means every case we take on, we’re fully invested in getting it across the line — because if your loan doesn’t succeed, neither do we. Our incentives are completely aligned with yours.

It’s not charity. It’s how we’ve built a business worth trusting.

Ready to find out what we can do for your case? PM us →

Our fee is only charged upon successful loan approval — you pay nothing if we don’t deliver.

Personal Loan

• Fee: approx. 10% – 30% of approved loan amount
• Example: On a RM50,000 personal loan, the fee ranges between approx. RM5,000 – RM15,000

Mortgage / Refinance Loan

• Fee: approx. 2% – 6% of approved loan amount
• Example: On a RM300,000 mortgage, the fee ranges between approx. RM6,000 – RM18,000

The exact fee depends on the complexity of your case — a straightforward application with a clean profile sits at the lower end. Cases involving rejections, AKPK, or blacklisting require significantly more work to restructure and reposition before submission.

Simply put: you’re not paying for a form submission. You’re paying for the strategy, the expertise, and the access to the right lender — things that made the difference between rejection and approval.

Find out where your case falls — enquire with us today →

It depends on the loan type — here’s what to realistically expect:

Personal Loan

• Approval: ~14 days
• Disbursement: Same time as approval

Mortgage / Refinance Loan

• Approval: ~7 working days
• Disbursement: 3 – 6 months

These timelines assume your documents are complete and submitted correctly the first time. Incomplete paperwork is the single biggest cause of unnecessary delays.

A word of warning — if someone promises faster, walk away.

No legitimate bank approves and disburses a loan in 1–2 days through official channels. “Instant approval” and “same-day cash” are the exact phrases loan scammers use to target applicants who are desperate or in a hurry.

If you’ve been rejected before or you’re in urgent need, that makes you a higher-risk target — not a reason to cut corners.

If we can speed up the process, we will — through proper document preparation and strategic submission, not shortcuts that don’t exist.

Check your loan eligibility with us today!

Not all of them — and that’s deliberate.

Every bank has its own lending appetite. Some favour salaried employees, others prefer business owners. Some are aggressive on mortgage loans, others on personal financing. Submitting your application to every bank at once doesn’t increase your chances — it damages them.

Here’s why: when multiple banks see simultaneous applications from the same person, it signals desperation. Think of it like a friend who asks to borrow money — then you find out he’s asked every single person in your contact list. You’d hesitate too.

Banks react the same way. Multiple simultaneous applications trigger extra scrutiny and often lead to rejections that wouldn’t have happened otherwise.

FinPlus takes a different approach:

1. Understand your objective — what you need the loan for and what outcome matters most to you
2. Assess your profile — checking your financial background and eligibility before anything is submitted
3. Match you to the right bank — selecting the lender most likely to approve your profile at the best terms

One strategic submission beats ten desperate ones.

Find out which bank suits your profile with FinPlus now.

Interest rates vary by bank, loan type, and your individual profile. Here’s the general range for common loan products:

The exact rate you qualify for depends on factors like your credit score, income, loan tenure, and which bank you’re matched with.

Rates also shift periodically in line with Bank Negara Malaysia’s Overnight Policy Rate (OPR) — so the best way to get an accurate figure is to speak with us directly.

Want to know what rate you’d likely qualify for? Enquire with FinPlus 

Most loan rejections come with zero explanation.

Bankers are incentivised to chase clean profiles — so if your file looks complicated, they move on without telling you why. Many applicants leave the bank thinking the door is permanently closed. It isn’t.

At FinPlus, we work specifically with clients who have been:

• Rejected by multiple banks
• Listed under AKPK (debt management programme)
• Blacklisted or flagged in CCRIS / CTOS

Every rejection has a reason. Once we identify it, we work on the root cause — whether that’s restructuring your profile, timing your application correctly, or approaching the right lender for your situation.

We don’t promise magic. We promise a clear diagnosis and a real plan.

If you’ve been rejected and no one’s told you why — start here.