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Heavy Monthly Car Installments Draining Your Wallet? Structure Your Commitments & Free Up Cashflow!

Don't let a costly hire-purchase loan lock away your hard-earned salary every month.
Get a smart restructuring strategy tailored to your profile in 1 hour.

✅ Lower your overall monthly auto-related commitments effectively

✅ Restructure your profile to drop your high monthly payment burdens

✅ 100% Free Consultation & Credit Checking (Strictly No Upfront Fees)

Contact Us Via Whatsapp

FREE Check Your Eligibility in 60 Seconds

Who We Help

Are you facing any of these car loan financial struggles?

1.Heavy Monthly Installments
Your monthly car repayment is taking up way too much of your income, making it a struggle to pay for daily necessities, insurance, or maintenance.

A graphic illustrating financial frustration with the text 'DSR Too High,' surrounded by bills, credit cards, cash, a calculator showing 18%, and an orange folder.

2.Facing Late Payment or Repossession Risk - Missing or making late payments on your bank bills for 1 or 2 months, leading to stressful reminder calls and fear of your vehicle being repossessed.

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3.High DSR Blocking Your Next Goal – Your car commitment is hogging your debt-to-income ratio (DSR), causing banks to reject you when you try to apply for a housing loan or business funding.

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How Our Consultants Help You Fix Your Car Loan Burden

Our Solutions

Commitment Overlapping Strategy
We evaluate your profile to see if we can use smarter financial instruments—like mortgage refinancing—to pay off high-interest vehicle debt and switch to a much lower interest rate.

Profile Optimization & DSR Grading
We pull your CCRIS/CTOS report for free and guide you step-by-step on how to restructure your debts to slash your DSR and make your profile attractive to top banks again.

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Financial Cashflow Activation
By optimizing how your vehicle debt is structured, we plug the cash "leakage" eating your salary so you can keep more money in your pocket at the end of every month.

Why Thousands of Malaysians Trust Intelligent Consultancy

Award-Winning Financial Consultancy Firm


Intelligent Consultancy has been recognised for its contribution and achievement in the financial consultancy industry, including the Asia Record Award for Most Bank Loan Approvals in 2025 and the Golden Bull Outstanding SME Award 2024.

These recognitions reflect our commitment to helping clients navigate the loan application process with greater confidence, clarity, and professional support.

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Customer's Review

"My monthly bank commitments were way too high and it was very stressful. Intelligent Consultancy helped me restructure everything. They successfully consolidated my debts, reduced my monthly installments, and completely saved my cashflow!"

I was struggling with heavy monthly bills until I found Intelligent Consultancy. Their team gave me expert guidance, consolidated my debts into one lower interest rate, and significantly brought down my monthly bank payments. Highly recommended!

We’ve Helped Many Malaysians Explore Better Auto Debt Solutions

  • Restructure and optimize your active loan profile so you can reduce what you pay to banks every month, boosting your disposable cash.

  • Avoid late payment penalties and clean up your CCRIS history before it hurts your chances of securing future financing.

  • Let our team compare alternative financing options that help wipe out high flat-rate vehicle interests in favor of better, long-term options.

  • Clean up your profile by tackling heavy car commitments so you can easily unlock higher bank approvals for house property or business growth.

Success Cases Study
  • A WhatsApp conversation showing approval for a personal loan of 80,000 MYR, with loan details and repayment terms. There is a red overlay with white text saying 'APPROVE 80K PERSONAL LOAN'.

    Highly recommended! My monthly bank commitments were way too high and my DSR was totally out of shape. The team at Intelligent Consultancy helped me restructure everything and consolidated my debts into one manageable payment. Really saved my monthly cashflow! — Azman, Kuala Lumpur

  • WhatsApp chat discussing loan approval. It includes messages about a 200K personal loan with 2.03% interest, approval confirmation, and a red overlay with the text 'APPROVE 200K PERSONAL LOAN 2.03%'.

    I was stuck paying only the 5% minimum on multiple credit cards every month, and the interest was snowballing. Thanks to their expert debt management guidance, I managed to clean up my accounts and lower my monthly commitments significantly. — Lina, Petaling Jaya

  • Screenshot of a WhatsApp conversation between a user and a consultant named Tiffany. The chat includes messages about a third-floor location, gratitude, a welcome, a link to a website with petrol station subsidies, and a red overlay with white text saying 'APPROVE 200K PERSONAL LOAN.' The conversation also contains a message in Indonesian about loan approval.

    Finally, document guidance that actually works. As a business owner, preparing bank documents for expansion funding is always a headache. Intelligent Consultancy guided us step-by-step and helped our company secure the right business funding smoothly. — Shafarin, Penang

  • Screenshot of a WhatsApp chat discussing a loan approval for 100,000. The chat shows a message overlay stating 'Consultant: Vincent' and 'APPROVE 100K PERSONAL LOAN', with conversation about loan details.

    100% genuine service. They checked my CTOS report for free and gave me professional advice on how to improve my credit profile. Best of all, there are strictly no upfront or hidden fees throughout the process. Very professional consultancy firm. — Zainal, Malacc

  • A WhatsApp conversation screenshot showing a chat with a consultant named Keith. It includes a message asking about Google and bank information, a confirmation message, and a large red sticker with white text reading 'APPROVE 200K PERSONAL LOAN.' The chat displays details about a debt consolidation loan including amounts, tenure, monthly payments, and bank settlements.

    I got rejected by banks previously because I had too many scattered personal loans and bills with different due dates. Intelligent Consultancy helped me optimize my profile and structured a clean plan that got my profile accepted. Thank you so much! — Sarah, Kuching

  • A screenshot of a WhatsApp conversation with a contact named "Consultant: Vincent." The message includes a financial loan application details, with an overlayed red and white sign stating "APPROVE 240K PERSONAL LOAN." The timestamp shows 2:43, and the chat was started on December 7, 2021.

    This team provided expert guidance, combined my high-interest debts, and significantly reduced my monthly bank installments. Trustworthy and reliable! — Verified Client

Ready to Secure Your Financial Future?

If you meet the requirements, fill out the form or WhatsApp us for a 100% free consultation.

✅ Have a bank loan record OR credit card for more than 6 months.
🔥 Never late on bank payments 2 months in a row / blạċklisted (unless basic RM3,000+ accepted)
✅ For Malaysian ONLY

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