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Amira
June 9, 2022
   ·   5 min read   ·  

Things that Lenders consider other than your credit score

Salaries and Expenses
Lenders often compare your income with your expenses and other debts to determine if you will be able to repay your loan.

Savings
The lender will review your employment history because of this help them assess how stable your income is

Employment history
Your employment history will be checked because it helps them assess how reliable your income is.

Collateral
For secured loans such as mortgages or car loans, lenders want to know about the value of collateral.

What do Lenders NOT consider?

  • Races
  • Religion
  • Gender
  • Marital status
  • Age
Contact Us
General Enquiry: +6010-776 0911
Email Enquiry: enquiry@agara-capital.com

Interest Rate: APR from 12% to 18%*.
Repayment Period: from minimum 6 months to maximum 24 months.
For example: a loan of RM10,000 for 1 year repayment period with a monthly interest rate of 1.5%, will incur a total repayment value of RM11,800. No associated fees.

*This information is meant to illustrate general loan terms offered by personal financing companies in Malaysia. For in-depth enquiry, please contact us using the following form link. T&C apply.
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