{"id":497,"date":"2019-07-10T09:03:07","date_gmt":"2019-07-10T09:03:07","guid":{"rendered":"https:\/\/ctoscredit.com.my\/creditfinder\/?page_id=497"},"modified":"2020-03-10T17:52:07","modified_gmt":"2020-03-10T09:52:07","slug":"personal-loans","status":"publish","type":"page","link":"https:\/\/ctoscredit.com.my\/creditfinder\/personal-loans\/","title":{"rendered":"Compare &#038; pick the best personal loan with CTOS CreditFinder <br> <span class=\"page-description\">Find the best personal loan deal in Malaysia from as low as 3.99% p.a. Apply online today.<\/span>"},"content":{"rendered":"\n<p style=\"text-align:left\"><!-- Either there are no banners, they are disabled or none qualified for this location! --> <\/p>\n\n\n\n<p style=\"text-align:left\"><style>.bank_details {width:16.666666666667%;}<\/style><form action=\"\" class=\"loancomparison_form\" method=\"POST\" id=\"loancomparison_form\"><div class=\"loancomparison_form_header\">\n\t<div class=\"loancomparison_sliders\"><div class=\"loancomparison-range loancomparison-slider-principal loancomparison-slider-\">\n\t\t<div class=\"loancomparison_slider_output\"><span class=\"output-number output-left\">I want to borrow<\/span><span class=\"output-number output-right\"><output><\/output><\/span><\/div>\n\t<input type=\"range\" class=\"sc_loan_amount\" name=\"loan-amount\" min=\"1\" max=\"300\" value=\"7\" step=\"1\" data-loancomparison>\n\t<\/div><div class=\"loancomparison-range loancomparison-slider-term loancomparison-slider-\">\n\t\t<div class=\"loancomparison_slider_output\"><span class=\"output-number output-left\">For<\/span><span class=\"output-number output-right\"><output><\/output><\/span><\/div>\n\t<input type=\"range\" name=\"loan-period\" min=\"1\" max=\"22\" value=\"14\" step=\"1\" data-loancomparison>\n\t<\/div>\n\t<div style=\"clear:both\"><\/div><\/div><\/div><div class=\"loancomparison_rates\"><\/div>\n\t\t<div id=\"lc_show_more\"><div class=\"bg\"><\/div>\n\t\t<div class=\"fg\">Show more results<\/div><\/div>\n\t\t<\/form> <br><!-- Either there are no banners, they are disabled or none qualified for this location! -->  <\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><strong>What is a personal loan?<\/strong><\/p>\n\n\n\n<p>A personal loan is money\nborrowed from a bank or lender that you pay back in fixed monthly payments over\na period of time, usually with added interest charge. Most personal loans are\n\u2018unsecured\u2019, meaning they are not backed by collateral. A secured loan backed\nby an asset (like car or house) is usually cheaper, but you can lose the asset\nif you fail to make repayments. <\/p>\n\n\n\n<p>Banks and lenders generally make\ntheir decision to approve or reject a personal loan application based on\nvarious factors, including credit score and debt-to-income ratio. Consumers\nwith excellent credit health and score usually receive the lowest rates.<\/p>\n\n\n\n<p><strong>Why should I apply for a personal loan?<\/strong><\/p>\n\n\n\n<p>People apply for personal loans\nfor many reasons, generally to finance something important they don\u2019t have\nready cash for. <\/p>\n\n\n\n<p>Some of the most commons reasons\ninclude:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>To consolidate debt<\/li><li>Financing home\nrenovations<\/li><li>To make a large\npurchase<\/li><li>Fee payment for\nshort education courses<\/li><li>Unplanned emergency\nexpenses<\/li><\/ul>\n\n\n\n<p><strong>How do I apply for a personal loan?<\/strong><\/p>\n\n\n\n<p>Most major banks and lenders\noffer personal loans to individuals. Here are a few steps to get you started:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Check your updated credit report for your credit score<\/li><li>Shop around for personal loans<\/li><li>Compare all options to find the most suitable one<\/li><li> Contact the bank or lender that offers the best loan to apply  <\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is a personal loan? A personal loan is money borrowed from a bank or lender that you pay back in fixed monthly payments over a period of time, usually with added interest charge. Most personal loans are \u2018unsecured\u2019, meaning they are not backed by collateral. A secured loan backed by an asset (like car&hellip;<\/p>\n","protected":false},"author":1,"featured_media":799,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-full-width.php","meta":{"footnotes":""},"class_list":["post-497","page","type-page","status-publish","has-post-thumbnail","hentry","content-box content-box-wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Compare &amp; pick the best personal loan with CTOS CreditFinder<\/title>\n<meta name=\"description\" content=\"Compare &amp; pick the best personal loan with CTOS CreditFinder and find the best personal loan deal in Malaysia from as low as 3.99% p.a. 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