As featured in The Star, New Straits Times, The Edge, Berita Harian, Astro Awani, Malay Mail
Transfer your debt and save
A personal loan can help you consolidate high-interest credit cards and debt, which could mean more money in your pocket. Pay off just one loan balance with a fixed rate and monthly payment, plus settle your remaining balance anytime with zero fees.
Checking for an offer won't impact your credit score
Credit card
18% interest rate
RM225
Interest per month
Prime Credit personal loan
6.88% interest rate
RM86
Interest per month
RM15,000 principal amount · Example is for illustration purposes only.
Why choose Prime Credit for debt consolidation
See how a debt consolidation loan can help you achieve financial freedom
‘Debt consolidation’ doesn’t have to be scary.
Debt consolidation means taking out one lower-interest rate loan and using the funds to pay off any super-high interest debts.
Simplify monthly payments
Fewer missed payments thanks to one monthly amount vs. several.
Save on interest
A lower interest rate than high-interest credit cards.
Improve your cash flow
Better financial flexibility could mean more money in your pocket for the things that really matter in life.
Improve financial well-being
Ability to build your CTOS score if properly managed.
Trusted by thousands of happy Malaysians
“I am so grateful for my Prime Credit loan. It helped me consolidate all my credit card debt so I pay less interest. Now I am paying only one monthly payment, which gives me more financial freedom — and I can pay extra whenever I want without any penalty.”
— Siti Sarah, Shah Alam
6,200+ verified reviews
Can you apply?
Two minutes to check, three documents to prepare.
You can apply if you are…
- A Malaysian citizen or permanent resident
- Aged 21 – 60 years old
- Earning a gross income of RM2,000+/month
- Salaried or self-employed — both welcome
Documents you'll need
- MyKad (front & back, for e-KYC)
- Salaried: latest 3 months' payslips + EPF statement
- Self-employed: 6 months' bank statements + SSM registration
That's it — no guarantor, no collateral, no branch visits.
How to get your loan online
Congratulations, Aisyah!
You're pre-qualified for a special offer!
RM35,000
Loan amount
3.88%
Fixed rate
108 bln
Up to
Check your rate in seconds
Find out how much you can borrow and your rate offer — without impacting your credit score.
Customize your offer
Select the amount and tenure that suit your needs
RM35,000 ✎
Monthly payment:
RM597
Complete your application in minutes
Only a few MyKad e-KYC verification steps remain. No branch visit, no lengthy paperwork.
Congratulations on booking your loan!*
Expect your money via DuitNow by end of day tomorrow. Check your inbox for the full details of your loan.
Get your loan in 24 hours
Funds land via DuitNow. Pay on your terms with flexible payments and no early settlement fees.
Checking for an offer won't impact your credit score
Learn more before you borrow
Not sure which loan is right for you? Check out our knowledge hub.
Debt consolidation loans FAQ
A debt consolidation loan is a personal loan used to pay off several existing debts — credit cards, easy-payment plans, or other loans — leaving you with one fixed monthly payment, usually at a lower rate.
You borrow one amount from Prime Credit, use it to settle your high-interest balances, then repay a single fixed instalment over 12 to 108 months at 3.88%–12% p.a.
Anyone juggling multiple high-interest balances — especially credit cards charging 15–18% p.a. — who wants one predictable payment and a clear payoff date.
Paying off revolving balances and making one on-time instalment each month can improve your repayment history over time, which both CTOS and CCRIS reflect.
Ready to see your rate?
It takes 2 minutes — with no impact on your CTOS or CCRIS score.