- Kuala Lumpur
Applying for a personal loan can feel overwhelming when faced with different bank requirements, changing approval criteria, and unfamiliar financial terms.
Professional financing advisory service that assists individuals in identifying suitable financing solutions based on their financial profile. Our consultants evaluate eligibility, recommend appropriate financing options, manage the application process, and provide end-to-end support throughout the financing journey.
AE Finansure is a professional financing advisory firm specialising in personal financing, debt consolidation, home loan refinancing, and SME financing. We assess each customer’s financial profile and recommend suitable financing solutions based on their individual needs and eligibility. Our advisory service includes case assessment, financing strategy, documentation guidance, application management, and end-to-end support throughout the financing process.
Profit Rate:
As low as 3.49% p.a.
Financing:
Up to RM400,000
Tenure:
Up to 10 Years
Financing Type:
Islamic & Conventional Financing
Minimum Income:
RM3,000
Profit Rate: As low as 3.49% p.a.
Financing: Up to RM400,000
Tenure: Up to 10 Years
Financing Type: Islamic & Conventional Financing
Minimum Income: RM3,000
Applicants must meet the eligibility requirements and credit assessment criteria applicable to the selected financing solution. Supporting documents may be required during the application process.
Criteria
Details
Minimum Age
21 Years Old
Maximum Age
55 Years Old
Minimum Annual Income
RM36,000
Criteria
Minimum Age: 21 Years Old
Maximum Age: 55 Years Old
Minimum Annual Income: RM36,000
Professional case assessment, financing recommendation, documentation guidance, application management, and end-to-end advisory support.
Criteria
Details
Shariah Compliant
Islamic & Conventional options available
Interest Type
Fixed or Variable (subject to financing provider)
Approval Timeline
Subject to credit assessment and approval process
Criteria
Shariah Compliant: Islamic & Conventional options available
Interest Type: Fixed or Variable (subject to financing provider)
Approval Timeline: Subject to credit assessment and approval process
Fee
Details
Late Penalty Fee (1%)
Subject to the financing provider's Terms & Conditions
Agency Fee
Professional advisory fees may apply and will be disclosed prior to engagement
Brokerage Fee
Where applicable, brokerage fees will be disclosed before engagement
Annual Financing Statement Fee
Subject to the financing provider's Terms & Conditions
Fee
Late Penalty Fee (1%): Subject to the financing provider's Terms & Conditions
Agency Fee: Professional advisory fees may apply and will be disclosed prior to engagement
Brokerage Fee: Where applicable, brokerage fees will be disclosed before engagement
Annual Financing Statement Fee: Subject to the financing provider's Terms & Conditions
Tenure
Amount
Min Income
Rate
12–120 months
RM5,000–RM400,000
RM3,000
Subject to assessment and financing provider's approval
Tenure: 12–120 months
Amount: RM5,000–RM400,000
Min Income: RM3,000
Rate: Subject to assessment and financing provider's approval
Our advisors analyse your income, existing commitments, and credit profile to identify realistic options.
Our advisory services include thorough document reviews, ensuring everything is complete and accurate before submission.
We review your monthly debt obligations against your income, and if your existing commitments push your ratio too high, we help identify strategies to improve it.
AE Finansure encourages clients to review their credit reports early in the consultancy process, identifying issues before they affect your application.
As independent consultants working with multiple licensed financial institutions, we direct your application to lenders whose criteria align best with your profile.
AE Finansure provides ongoing support, monitoring your loan status, liaising with banks on your behalf, and troubleshooting issues that arise during processing.
Testimonials
You may want to look into refinancing if:
typically seek personal loans for life events or debt management — education financing, medical expenses, home improvements, weddings, or consolidating high-interest debts.
face different challenges, since fixed incomes and shorter loan tenures at older ages complicate borrowing. Some banks impose age limits or require loans to be fully repaid by specific ages.
often need financing for both personal needs and business operations, and these categories can overlap — though using personal credit to fund business expenses carries risk if the business struggles.
Malaysian citizens aged 21–55 who meet the financing eligibility and credit assessment requirements. This service is available to Malaysian citizens only — non-Malaysian applicants are not eligible. Open to Government Employees, Private Sector Employees, Self-Employed Individuals, Business Owners, and other eligible applicants.
Fixed monthly instalments over set periods, typically one to seven years — works well when you need a specific amount for a defined purpose and can commit to regular repayments.
Combining several loans or credit card balances into a single facility, often with lower overall interest rates and simplified repayment schedules.
Dedicated financing options for small business owners, considering factors like tax implications, repayment flexibility, and how the debt appears on your credit report.
Switching from a higher-rate facility to a more competitive option when your financial circumstances improve or better market rates become available.
Independence defines our consultancy approach. AE Finansure maintains no affiliations with specific banks or lenders — we don’t earn commissions by steering clients toward particular products.
"Our goal isn't simply completing applications — it's ensuring you secure financing that genuinely serves your interests and remains manageable throughout its term."
Take control of your financial future with a trusted advisor supporting your journey.
A personal loan consultant is an independent financial advisor who helps individuals and businesses navigate the loan application process. At AE Finansure, our consultants assess your financial situation, recommend suitable lenders, prepare documentation, and guide you through approval.
Loan consultants provide end-to-end support for securing personal financing — financial assessment, credit profile review, documentation preparation, lender selection, application submission, progress monitoring, and post-approval guidance.
Financial advisor fees vary based on services provided. At AE Finansure, we offer transparent consultancy with no hidden fees. Initial consultations are complimentary.
Our initial consultation is free. For ongoing consultancy services, we explain all fees upfront before you engage our services — no hidden charges or lender commissions influencing our recommendations.
Yes. We regularly assist clients with challenging credit histories by reviewing your credit report, identifying issues affecting approvals, and developing strategies to address them.
Timelines vary by lender and application complexity. Simple applications with complete documentation may receive approval within a few days; more complex cases may take several weeks.
No. AE Finansure operates independently without affiliations to specific financial institutions — we evaluate options across multiple licensed banks objectively.
Yes. We serve both individual borrowers and small business owners, helping determine which financing type best suits your needs.
Leave your details below and our loan consultant in Malaysia will contact you within 1 business day — free, confidential, and with zero obligation.
