Yes, even if you’re blacklisted in CTOS, CCRIS, or have a poor credit history, you can still get a personal loan in Malaysia—legally.
In 2025, several licensed lenders offer fast, low-document loans to blacklisted borrowers. This guide explains how to apply, who qualifies, and the safest options without falling into scams.
| Lender / Source | CTOS/CCRIS OK? | Approval Speed | Loan Amount | Notes |
|---|---|---|---|---|
| IKOBANA Maju Capital | ✅ Yes | Within 2 hours | RM1,000 – RM10,000 | KPKT licensed, accepts blacklisted |
| Licensed Money Lenders (KPKT) | ✅ Yes | Same day | RM500 – RM20,000 | No upfront fees, flexible docs |
| AEON Credit | ⚠️ Case-by-case | 2–3 working days | RM1,000 – RM20,000 | Mild blacklist cases accepted |
| Private Financing Agents | ✅ Yes | 1–3 hours | RM1,000 – RM5,000 | Use verified & legal referrals only |
📌 Banks generally do not approve loans for CTOS/CCRIS blacklisted applicants. Go with KPKT-licensed lenders instead.
Avoid loan sharks or scammers. Always check KPKT registration (Ministry of Local Government Malaysia).
Even without payslip or perfect credit, prepare:
Most KPKT lenders accept:
Loan officers will review your:
🕒 Many approvals happen within 1–3 hours, with same-day disbursement.
| Mistake | Why It’s a Problem |
|---|---|
| ❌ Paying upfront “processing fees” | Red flag: this is a scam tactic |
| ❌ Submitting fake documents | Can get blacklisted permanently or reported |
| ❌ Borrowing from Ah Long | High risk of harassment, threats & overcharges |
| ❌ Ignoring repayment terms | May worsen credit score & future rejections |
❓ Can I still borrow money if I’m under CTOS blacklist?
Yes. Licensed lenders may approve loans if you show active income and are not under bankruptcy.
❓ Can I get a bank loan if I’m blacklisted?
No. Most banks will reject blacklisted applicants unless cleared from CCRIS/CTOS.
❓ How much can I borrow if I’m blacklisted?
Usually RM1,000 to RM10,000 depending on your monthly income and repayment ability.
❓ Are blacklist loans safe?
Yes, as long as you borrow from KPKT-approved lenders and not illegal sources.
Being blacklisted doesn’t mean you’re out of options.
You can still get easy personal loan approval in Malaysia, even with bad credit—without falling into scams or loan shark traps.
👉 Find verified, licensed lenders for blacklisted borrowers at:
🔗 https://myloanreviews.com
