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Struggling with High Monthly Commitments? 2026

Lower your monthly bank installments and free up your cashflow. Get a professional restructuring plan in 1 hour.

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FREE Check Your Eligibility in 60 Seconds

  • ✅ Reduce monthly commitments by up to 50%

  • ✅ Consolidate credit cards & high-interest loans into ONE lower interest rate

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

Who We Help

Are you facing any of these bank loan rejection reasons?

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.

1.High Commitments (DSR Too High) – Over 70% of your salary goes into paying bank bills every month.

Financial documents with a high interest rate, rejection stamp, a credit card, a calculator showing 18% interest, and financial symbols.

2.Credit Card Burden – Only paying the 5% minimum monthly, causing interest to snowball.

A digital illustration of a man in a suit holding debit and credit cards, with a Facebook profile page in the background, and a speech bubble saying 'Weak Profile'.

3.Weak Documentation – Self-employed, commission-based, or lacking complete bank statements.

A person surrounded by bill and debt notices, with a credit card in front.

4.Scattered Debts – Managing too many different personal loans and credit cards with different due dates.

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How Our Consultants Help You Secure Bank Approval

Our Solutions

Debt Consolidation Strategy
We analyze your profile and structure a plan to combine your high-interest debts into one clean, lower-interest bank loan.

Illustration of financial documents, calculator, glasses, and office supplies on a desk.

Business & SME Financial Planning
Helping Malaysian business owners prepare the right financial documents to secure business expansion funding from major banks.

Business and research tools including a target with an arrow, a magnifying glass, a briefcase, a chart with data, a microscope, and a file folder.

Profile Optimization & Grading
We review your CTOS/CCRIS report for free and guide you on how to clean up your record before submitting to banks to ensure a high success rate.

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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2023 International Prestige Brand Award emblem with gold laurel wreath and bold black text
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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 Loan Options

  • Consolidate credit card debts, personal loans, and high-interest repayments into a more manageable financing plan.

  • We review your repayment history and credit profile before guiding you on the next suitable application step.

  • Our team helps you compare suitable bank financing options that may offer more manageable interest rates.

  • Based on your profile and eligibility, we help you explore suitable loan options, including property refinancing and debt consolidation.

Screenshot of a WhatsApp conversation about a personal loan approval of 200,000 with 2.03% interest, including a red banner labeled "APPROVE 200K PERSONAL LOAN 2.03%" and chat messages in Malay about loan approval.
A WhatsApp chat screenshot showing messages with a contact named 'Consultant: Tiffany'. The chat includes a photo, messages about a delivery, a PETRONAS subsidy ad, and a message requesting feedback for a personal loan approval of 200K. The phone's s
Screenshot of a WhatsApp chat discussing a 100k personal loan approval, with overlay texts 'Consultant: Vincent' and 'APPROVE 100K PERSONAL LOAN.'
Customers' Success Cases
WhatsApp conversation with a red overlay message that says 'APPROVE 200K PERSONAL LOAN'. The chat is between a person named Yusmar and a 'Consultant : Keith', discussing a bank loan approval, with financial details and bank names listed.
Screenshot of a WhatsApp chat with a person named Vincent, discussing a personal loan approval of RM240K. Includes loan details, deductions, and multiple financial figures, with a red overlay stating "APPROVE 240K PERSONAL LOAN."
WhatsApp conversation screen showing messages about a loan approval and a promotional image with a large red overlay text that reads 'APPROVE 200K PERSONAL LOAN'.

Success Cases Study
  • WhatsApp conversation with a forwarded message showing a loan approval of 80,000 Malaysian Ringgit, with details of loan duration, interest rate, repayment amount, and deductions. Overlaid with a red sticker that says '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

  • Screenshots of a WhatsApp chat discussing a personal loan approval of 200k with 2.03% interest rate and related banking details.

    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 chat conversation showing messages about a loan approval and a promotional message from PETRONAS about government subsidies.

    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 with a red banner labeled 'Consultant: Vincent' and an approval message for a 100k personal loan, showing conversation about loan details and approval process.

    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

  • Chat conversation about financial loan approval, with a large red overlay reading 'APPROVE 200K PERSONAL LOAN'.

    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

  • Screenshot of a WhatsApp message conversation discussing a personal loan application, with handwritten annotations and overlay text approving a 240K personal loan.

    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.

✅ 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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