Articles & guides
Guides, tips, and plain-English explainers about the Android apps we publish — written to be practical and easy to follow.
How to Read a Loan Offer Document, and Which Figures to Check First
Read a loan offer in a fixed order: the amount actually disbursed to you, the instalment and how many of them, the total repayment, then…
The Risks of Income-Share Student Funding That Nobody Explains Upfront
The real risks of income-share student funding are that success is expensive, the total cost cannot be compared against other offers, and…
How to Set Your Own Safe Borrowing Limit Before You Look at Any Offer
Decide the largest monthly instalment your budget can carry, then convert that instalment into a principal, and treat the result as your…
Income Documents a Lender Asks For in Malaysia, and What Happens If Your Income Is Not Fixed
A salaried applicant in Malaysia is normally asked for identification, recent payslips, bank statements showing the salary arriving, and an…
Longer Tenure, Smaller Instalment: Why the Lowest Monthly Payment Is Often the Most Expensive Loan
Stretching a loan over more months lowers the instalment and raises the total, because you are paying for credit over a longer period. On…
How to Calculate Your Debt Service Ratio, and the Thresholds Lenders Commonly Use
Your debt service ratio is every monthly repayment you owe added together and divided by your monthly income, expressed as a percentage…
How a Missed Payment Shows Up on Your Credit Record in Malaysia, and How Long It Stays
A missed instalment usually appears as a months-in-arrears figure against that facility in CCRIS, the credit reference system operated by…
How to Take Back Loan App Permissions, and What to Do If Your Data Is Already Out
You revoke a permission in Settings, under Apps, by opening the app and switching each permission off, and the change applies immediately…
Before You Sign a Student Funding Agreement: The Clauses That Decide What It Costs
Nine clauses decide what an income-based student funding agreement really costs: who the provider is and whether the agreement is…
When Waiting a Few Days, or Taking a Slower Route, Is Far Cheaper Than Borrowing Today
Waiting is cheaper whenever the cost of the delay is smaller than the premium you pay for speed, and both can be written in ringgit. On RM…
What Happens If You Borrow From an Unlicensed Money Lender in Malaysia
Lending money as a business without a licence is an offence under the Moneylenders Act 1951, and an agreement made by an unlicensed money…
Private Student Finance or NSFAS? Who Each One Actually Suits
NSFAS is state funding for South African students at public universities and TVET colleges, means-tested on household income, and for…