{"id":25389,"date":"2026-05-03T13:50:45","date_gmt":"2026-05-03T13:50:45","guid":{"rendered":"https:\/\/redzo.com.my\/gw\/?page_id=25389"},"modified":"2026-05-03T16:17:51","modified_gmt":"2026-05-03T16:17:51","slug":"debt-consolidation-calculator-malaysia","status":"publish","type":"page","link":"https:\/\/redzo.com.my\/gw\/debt-consolidation-calculator-malaysia\/","title":{"rendered":"Debt Consolidation Calculator Malaysia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"25389\" class=\"elementor elementor-25389\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45a305c3 e-flex e-con-boxed e-con e-parent\" data-id=\"45a305c3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2860b573 e-con-full e-flex e-con e-child\" data-id=\"2860b573\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ded9f5a animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"1ded9f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_center\"><h6 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tFast &amp; Easy Application Process\n\t\t\t\t\t<\/h6><h1 class=\"ekit-heading--title elementskit-section-title \">Debt Consolidation   <span><span>Calculator <\/span><\/span> Malaysia<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-226914d7 elementor-widget elementor-widget-text-editor\" data-id=\"226914d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\nEstimate how much you could save by combining your high-interest debts into a single, more manageable loan. Use our calculator to check your eligibility and explore debt consolidation options from banks and koperasi in Malaysia, helping you lower your monthly repayments.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72e51c7f animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-breadcrumb\" data-id=\"72e51c7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-breadcrumb.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><ol class=\"ekit-breadcrumb\"><li class=\"ekit_breadcrumbs_start\"><a href=\"https:\/\/redzo.com.my\/gw\">Home<\/a><\/li><\/ol><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-674737cf e-flex e-con-boxed e-con e-parent\" data-id=\"674737cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5f38c74b e-con-full e-flex e-con e-child\" data-id=\"5f38c74b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d4a39f e-con-full animated-fast e-flex elementor-invisible e-con e-child\" data-id=\"2d4a39f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a67b60b elementor-widget elementor-widget-heading\" data-id=\"a67b60b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Debt Consolidation Calculator<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d2617f0 e-con-full e-flex e-con e-child\" data-id=\"7d2617f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6797f6ad e-con-full e-flex e-con e-child\" data-id=\"6797f6ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f1891e elementor-widget elementor-widget-text-editor\" data-id=\"6f1891e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCompare your current and new interest rates to estimate how much you could save on your monthly repayments.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b600de5 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"3b600de5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"overlap-calc-pro\" style=\"font-family:Poppins,sans-serif;max-width:900px;margin:30px auto;padding:30px;border-radius:12px;border:1px solid #eee;box-shadow:0 10px 25px rgba(0,0,0,0.06);background:#fff;\">\r\n\r\n<h2 style=\"text-align:center;margin-bottom:5px;\">Debt Consolidation Calculator<\/h2>\r\n<p style=\"text-align:center;color:#777;margin-bottom:25px;\">\r\nCompare your current commitments with a new consolidated loan.\r\n<\/p>\r\n\r\n<!-- HEADER ROW -->\r\n<div style=\"display:flex;font-size:12px;font-weight:600;color:#888;margin-bottom:8px;\">\r\n<div style=\"flex:2;\">Debt Type<\/div>\r\n<div style=\"flex:1;\">Balance (RM)<\/div>\r\n<div style=\"flex:1;\">Rate (%)<\/div>\r\n<div style=\"flex:1;\">Instalment (RM)<\/div>\r\n<div style=\"width:40px;\"><\/div>\r\n<\/div>\r\n\r\n<!-- DEBT LIST -->\r\n<div id=\"debt-list-container\"><\/div>\r\n\r\n<button onclick=\"addDebtRow()\" style=\"margin:15px 0;padding:10px 15px;border:1px dashed #008cac;background:#fff;color:#008cac;cursor:pointer;border-radius:6px;font-weight:600;\">\r\n+ Add Another Debt\r\n<\/button>\r\n\r\n<hr style=\"margin:25px 0;\">\r\n\r\n<!-- NEW LOAN -->\r\n<h4 style=\"margin-bottom:10px;\">New Consolidation Loan<\/h4>\r\n\r\n<div style=\"display:flex;gap:15px;flex-wrap:wrap;margin-bottom:20px;\">\r\n<input id=\"new-rate\" type=\"number\" value=\"3.88\" step=\"0.01\" placeholder=\"Interest Rate %\"\r\nstyle=\"flex:1;padding:12px;border:1px solid #ddd;border-radius:6px;\">\r\n\r\n<select id=\"new-tenure\" style=\"flex:1;padding:12px;border:1px solid #ddd;border-radius:6px;\">\r\n<option value=\"5\">5 Years<\/option>\r\n<option value=\"10\" selected>10 Years<\/option>\r\n<\/select>\r\n<\/div>\r\n\r\n<!-- BUTTON -->\r\n<button onclick=\"calculateMultiOverlap()\" class=\"btncalculator\" >\r\nCalculate Savings\r\n<\/button>\r\n\r\n<!-- RESULT -->\r\n<div id=\"final-result-area\" style=\"display:none;margin-top:25px;padding:25px;border:2px solid #ffea00;border-radius:12px;text-align:center;background:#fafafa;\">\r\n\r\n<p style=\"color:#666;\">Estimated Monthly Savings<\/p>\r\n<h1 id=\"total-savings\" style=\"margin:10px 0;font-size:42px;color:#008cac;\">RM 0<\/h1>\r\n\r\n<div style=\"display:flex;justify-content:space-between;margin-top:20px;border-top:1px solid #eee;padding-top:15px;\">\r\n<div>\r\n<small style=\"color:#888;\">Current Total<\/small>\r\n<div id=\"display-old-total\" style=\"font-weight:700;color:#d9534f;\">RM 0<\/div>\r\n<\/div>\r\n\r\n<div>\r\n<small style=\"color:#888;\">New Instalment<\/small>\r\n<div id=\"display-new-total\" style=\"font-weight:700;color:#5cb85c;\">RM 0<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<button onclick=\"resetCalc()\" class=\"btncalculator\" >\r\nRecalculate\r\n<\/button>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n\r\n\r\n<script src=\"https:\/\/code.jquery.com\/jquery-3.6.0.min.js\"><\/script>\r\n\r\n<script>\r\n\r\n\/\/ ADD ROW\r\nfunction addDebtRow(isFirst = false) {\r\n\r\n    let deleteBtn = isFirst \r\n        ? `<div style=\"width:40px;\"><\/div>` \r\n        : `<button onclick=\"$(this).closest('.debt-row').remove()\" \r\n            style=\"background:#ff4d4f;border:none;color:#fff;width:32px;height:32px;border-radius:6px;cursor:pointer;\">\u00d7<\/button>`;\r\n\r\n    let row = `\r\n    <div class=\"debt-row\" style=\"display:flex;gap:10px;margin-bottom:10px;align-items:center;\">\r\n        <input type=\"text\" placeholder=\"e.g. Credit Card\"\r\n            style=\"flex:2;padding:10px;border:1px solid #ddd;border-radius:6px;\">\r\n\r\n        <input class=\"debt-balance\" type=\"number\" placeholder=\"10000\"\r\n            style=\"flex:1;padding:10px;border:1px solid #ddd;border-radius:6px;\">\r\n\r\n        <input class=\"debt-rate\" type=\"number\" placeholder=\"18\"\r\n            style=\"flex:1;padding:10px;border:1px solid #ddd;border-radius:6px;\">\r\n\r\n        <input class=\"debt-installment\" type=\"number\" placeholder=\"500\"\r\n            style=\"flex:1;padding:10px;border:1px solid #ddd;border-radius:6px;\">\r\n\r\n        ${deleteBtn}\r\n    <\/div>\r\n    `;\r\n\r\n    $(\"#debt-list-container\").append(row);\r\n}\r\n\r\n\r\n\/\/ FIRST ROW (NO DELETE)\r\naddDebtRow(true);\r\n\r\n\r\n\/\/ CALCULATE\r\nfunction calculateMultiOverlap() {\r\n\r\n    let totalBalance = 0;\r\n    let totalInstallment = 0;\r\n\r\n    $(\".debt-row\").each(function() {\r\n\r\n        let balance = parseFloat($(this).find(\".debt-balance\").val()) || 0;\r\n        let installment = parseFloat($(this).find(\".debt-installment\").val()) || 0;\r\n\r\n        totalBalance += balance;\r\n        totalInstallment += installment;\r\n    });\r\n\r\n    let rate = parseFloat($(\"#new-rate\").val()) \/ 100;\r\n    let years = parseFloat($(\"#new-tenure\").val());\r\n    let months = years * 12;\r\n\r\n    if (totalBalance === 0) {\r\n        alert(\"Please enter at least one debt\");\r\n        return;\r\n    }\r\n\r\n    let interest = totalBalance * rate * years;\r\n    let newTotal = totalBalance + interest;\r\n    let newMonthly = newTotal \/ months;\r\n\r\n    let savings = totalInstallment - newMonthly;\r\n\r\n    $(\"#display-old-total\").text(\"RM \" + totalInstallment.toFixed(2));\r\n    $(\"#display-new-total\").text(\"RM \" + newMonthly.toFixed(2));\r\n    $(\"#total-savings\").text(\"RM \" + savings.toFixed(2));\r\n\r\n    $(\"#final-result-area\").fadeIn();\r\n}\r\n\r\n\r\n\/\/ RESET\r\nfunction resetCalc() {\r\n    $(\"#final-result-area\").hide();\r\n}\r\n\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4de980a7 e-con-full e-flex e-con e-child\" data-id=\"4de980a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57dad4d6 e-flex e-con-boxed e-con e-parent\" data-id=\"57dad4d6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-41352635 e-con-full e-flex e-con e-child\" data-id=\"41352635\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3b4b0825 e-con-full e-flex e-con e-child\" data-id=\"3b4b0825\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-69173a1 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"69173a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;css&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h6 class=\"elementskit-section-subtitle  \">\n\t\t\t\t\t\tReliable choice\n\t\t\t\t\t<\/h6><h2 class=\"ekit-heading--title elementskit-section-title \">Consolidate Your Personal Loans &amp; Lower Your <span><span>Monthly<\/span><\/span> Commitments<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52b867fa elementor-widget elementor-widget-text-editor\" data-id=\"52b867fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\nCompare and apply for suitable debt consolidation options through Direct Lending. Understand how overlap loans work and access rates from as low as 2.82% p.a., with no upfront charges. Combine your high-interest debts into one manageable payment and improve your monthly cash flow.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44fd4a8d e-flex e-con-boxed e-con e-parent\" data-id=\"44fd4a8d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1f54ef5 e-con-full e-flex e-con e-child\" data-id=\"1f54ef5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4f90e195 e-con-full e-flex e-con e-child\" data-id=\"4f90e195\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-65890fb4 e-con-full e-flex e-con e-child\" data-id=\"65890fb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-280e2081 animated-fast elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"280e2081\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h2 class=\"ekit-heading--title elementskit-section-title \">Get Your Personal Loan Approved in 3 <span>Easy <\/span> Steps <\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b41d5ed e-con-full e-flex e-con e-child\" data-id=\"5b41d5ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5fa22dc3 e-con-full e-flex e-con e-child\" data-id=\"5fa22dc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30ea0452 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"30ea0452\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:0,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-cursor\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    1. Apply Online                <\/h4>\n                        \t\t  \t<p>Submit basic details via Online or WhatsApp.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b5fe26f e-con-full e-flex e-con e-child\" data-id=\"5b5fe26f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-597723ca widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"597723ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <a href=\"#\" class=\"ekit_global_links\">\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-page_search\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Quick Verification                <\/h4>\n                        \t\t  \t<p>Fast document check. No guarantor required.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n                <\/a>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51ffd203 e-con-full e-flex e-con e-child\" data-id=\"51ffd203\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38e1fea0 widget-link-underline animated-fast ekit-equal-height-enable elementor-invisible elementor-widget elementor-widget-elementskit-icon-box\" data-id=\"38e1fea0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300,&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"elementskit-icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >        <!-- link opening -->\n                <!-- end link opening -->\n\n        <div class=\"elementskit-infobox text-left text-left icon-top-align elementor-animation-float   \">\n                    <div class=\"elementskit-box-header elementor-animation-\">\n                <div class=\"elementskit-info-box-icon  \">\n                    <i aria-hidden=\"true\" class=\"elementkit-infobox-icon icon icon-checked1\"><\/i>\n                <\/div>\n          <\/div>\n                        <div class=\"box-body\">\n                            <h4 class=\"elementskit-info-box-title\">\n                    Get Your Funds                <\/h4>\n                        \t\t  \t<p>Receive cash directly in your bank account.<\/p>\n                                <\/div>\n        \n        \n                <\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-79dee236 e-flex e-con-boxed e-con e-parent\" data-id=\"79dee236\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b4e7452 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"2b4e7452\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:100,&quot;ekit_we_effect_on&quot;:&quot;css&quot;}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h6 class=\"elementskit-section-subtitle   ekit-heading__subtitle-has-border\">\n\t\t\t\t\t\t A better way to financial freedom\n\t\t\t\t\t<\/h6><h2 class=\"ekit-heading--title elementskit-section-title \">Debt Consolidation &amp; Overlap Loan FAQ \u00b7 Malaysia<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51806ada elementor-widget elementor-widget-text-editor\" data-id=\"51806ada\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tClear answers about consolidating debts, overlap loans, requirements, and smart financial choices \u2014 one open at a time.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3db9fcbb e-con-full e-flex e-con e-child\" data-id=\"3db9fcbb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-63028653 e-con-full e-flex e-con e-child\" data-id=\"63028653\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-345507d5 e-con-full e-flex e-con e-child\" data-id=\"345507d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7f857f elementor-widget elementor-widget-html\" data-id=\"3e7f857f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"faq-card\">\r\n    <div class=\"faq-header\">\r\n       \r\n    <\/div>\r\n\r\n    <div class=\"accordion-wrapper\" id=\"accordionRoot\">\r\n        <!-- Question 1 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What is debt consolidation?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Debt consolidation is the financial strategy of combining multiple debts into a single, manageable, lower-interest payment. Unsecured debts like credit card balances and medical bills often have high interest rates; <a href=\"#\" target=\"_blank\" rel=\"noopener\">consolidating<\/a> them into one loan with a lower interest rate allows you to save money and pay off your debt more quickly.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 2 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">When should I consider debt consolidation with an overlap loan?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>You should consider an overlap loan if you have a high total debt amount, a long remaining repayment period, or if you qualify for a lower interest rate that allows you to save on costs. It's especially beneficial when your current debts carry high interest (like credit cards) and your credit score has improved since taking the original loans.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 3 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What are the benefits of consolidating my debts?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>The main benefits include:<\/p>\r\n                <ul>\r\n                    <li>Reducing your overall interest rate (potentially saving thousands)<\/li>\r\n                    <li>Lowering your monthly installment commitments<\/li>\r\n                    <li>Simplifying debt management \u2014 one payment instead of many<\/li>\r\n                    <li>Potentially improving your credit score over time<\/li>\r\n                    <li>Getting cash-in-hand if your new loan amount exceeds existing debt balances<\/li>\r\n                <\/ul>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 4 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Are there any disadvantages to debt consolidation with an overlap loan?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>It does not make you debt-free immediately and may involve additional costs such as stamp duty or processing fees on the new loan. There's also a temporary small dip in your credit score due to the credit inquiry. Additionally, if you extend your loan tenure significantly, you might pay more total interest over the long run despite a lower monthly payment.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 5 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What are debts that can be consolidated?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Many types of debt can be consolidated, but debt consolidation works best when it involves <strong>high-interest debt<\/strong>, such as credit cards. The biggest benefit is that you will save money since you will pay a lower interest rate.<\/p>\r\n                <p>Consider consolidating the following debts or bills:<\/p>\r\n                <ul>\r\n                    <li>Credit cards<\/li>\r\n                    <li>Student loans<\/li>\r\n                    <li>Personal loans<\/li>\r\n                    <li>Payday loans<\/li>\r\n                    <li>Auto\/Car loans<\/li>\r\n                    <li>Medical bills<\/li>\r\n                    <li>Retail and department store loans<\/li>\r\n                    <li>Other installment loans<\/li>\r\n                <\/ul>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 6 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Do debt consolidation loans hurt my credit score?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>If you choose debt consolidation to pay off debt, it is likely to <strong>improve your credit ratings in the long run.<\/strong> However, your credit score will go down a bit temporarily. This is because the consolidation loan will trigger a hard inquiry into your credit report at first. That's normal and acceptable as long as you make your payments on time and don't acquire more debt. Over time, as you pay down balances, your score typically rises.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 7 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">How to tell if a debt consolidation loan is right for me?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Debt consolidation is a smart move when:<\/p>\r\n                <ul>\r\n                    <li>Monthly debt payments (including rent or mortgage) do not exceed 50% of gross monthly income.<\/li>\r\n                    <li>Your credit is good enough to qualify for a lower interest rate than your current debts.<\/li>\r\n                    <li>Your cash flow consistently covers payments toward your debt.<\/li>\r\n                    <li>You can pay off the consolidation loan within five years.<\/li>\r\n                    <li>You have the discipline to avoid accumulating new credit card debt after consolidation.<\/li>\r\n                <\/ul>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 8 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">How to apply for a debt consolidation loan?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p><strong>1. List down all of your existing debts.<\/strong><br>\r\n                Write down all the debts you have. Note the interest rate, loan tenure, and current outstanding balance for each.<\/p>\r\n\r\n                <p><strong>2. Do a simple calculation.<\/strong><\/p>\r\n                <table>\r\n                    <tbody>\r\n                        <tr><th>Personal Loan<\/th><th>Credit Card<\/th><\/tr>\r\n                        <tr><td>Amount: RM10,000<\/td><td>Amount: RM10,000<\/td><\/tr>\r\n                        <tr><td>Interest Rate: 8% p.a.<\/td><td>Interest Rate: 18% p.a.<\/td><\/tr>\r\n                        <tr><td>Tenure: 3 years<\/td><td>Tenure: 2 years<\/td><\/tr>\r\n                    <\/tbody>\r\n                <\/table>\r\n                <p>If you add (8% + 18%), the average interest rate comes out to 13% p.a. Debt consolidation is worth it when your new loan's interest rate is lower than the average interest rate of your existing debts.<\/p>\r\n                <p>Use the <strong>Debt Consolidation Calculator<\/strong> to estimate your savings.<\/p>\r\n\r\n                <p><strong>3. Apply with a trusted financial provider.<\/strong><br>\r\n                If you've decided to use a personal loan to pay off credit card debt or other commitments, check out <strong>Direct Lending<\/strong> \u2013 an online personal lending platform. Our eligibility checker provides recommendations for bank and koperasi personal loans instantly. <strong>Service is 100% free, with no upfront payment or processing fees.<\/strong><\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 9 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What are the basic requirements to consolidate debt?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <ul>\r\n                    <li><strong>Proof of income.<\/strong> Lenders want to know you have the financial means to meet the loan terms.<\/li>\r\n                    <li><strong>Credit history.<\/strong> Lenders will check your payment history and credit report.<\/li>\r\n                    <li><strong>Financial stability.<\/strong> Lenders want to know you're a good financial risk.<\/li>\r\n                <\/ul>\r\n                <p>Each financier has their own specific requirements based on employment status, income, and credit score. It's important to compare options.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 10 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What are the requirements to consolidate debts with bank and koperasi loan?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <ul>\r\n                    <li>Malaysian citizen aged between 20 and 58 years old<\/li>\r\n                    <li>Civil servants under Federal, State and selected Government Agencies or employees of selected GLCs<\/li>\r\n                    <li>Have a permanent job with at least 3 months of service in the government sector<\/li>\r\n                    <li>Minimum gross monthly income (including fixed allowances) of RM1,500<\/li>\r\n                    <li>High loan commitment, CCRIS\/CTOS can apply (for selected koperasi loan)<\/li>\r\n                <\/ul>\r\n                <p>Each lender, however, will have their own requirements based on your employment status, income, and credit score.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 11 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Where to get a debt consolidation loan if I have negative CCRIS\/CTOS\/SAA record?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Banks and koperasi may be good options because you can typically discuss your situation with a loan consultant. That consultant can review your finances, make recommendations, and possibly request exceptions that get your loan approved.<\/p>\r\n                <p>Koperasi, in particular, has a strong community focus, and they may be especially willing to assist you if you have low credit. Debt consolidation loans from koperasi are more lenient compared to commercial bank loans because repayment is done through salary deduction via ANGKASA.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 12 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">What documents do I need to prepare to apply for a debt consolidation loan?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>The type of documents will vary by financier, depending on your employment type. General documents needed:<\/p>\r\n                <ul>\r\n                    <li>A copy of your NRIC<\/li>\r\n                    <li>Certified payslips of the most recent 3 months<\/li>\r\n                    <li>A copy of bank statement showing your monthly salary credit<\/li>\r\n                    <li>Confirmation letter of employment (for bank & koperasi loan)<\/li>\r\n                    <li>At least one of these:\r\n                        <ul>\r\n                            <li>Latest income tax form (Form B or Form EA\/EC)<\/li>\r\n                            <li>EPF statement<\/li>\r\n                        <\/ul>\r\n                    <\/li>\r\n                <\/ul>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 13 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Will I receive any cash-in-hand?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Yes, if the approved amount of your new loan is higher than the outstanding balance of the old debts being settled, you will receive the remaining balance as cash. This extra cash can be used for emergency funds or other financial needs, but be careful not to create new unnecessary debt.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 14 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">How long does the approval and disbursement process take?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Eligibility checks take just 2 minutes. Approval and money disbursement typically take anywhere from as early as 2 working days up to 2 weeks, depending on the lender and completeness of your documents.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 15 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Is this debt consolidation loan offering fixed or floating interest rate?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Most lenders offer a <strong>fixed interest rate<\/strong>, where the monthly repayment is fixed throughout the tenure of the financing irrespective of any changes in Bank Negara's base rate. This provides predictability and easier budgeting.<\/p>\r\n                <p>At Direct Lending, we offer competitive flat interest rates and flexible repayment terms from <strong>bank and koperasi<\/strong> partners. Rates from as low as 2.82% p.a. with approval as fast as 2 working days.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 16 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Do I have to pay any fee (upfront fee, deposit etc) to apply for debt consolidation loan?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p><strong>No.<\/strong> There are no upfront fees required to apply for a personal loan or to process your application in Malaysia. Direct Lending services are absolutely free to consumers. If you are required to pay such fees, immediately contact the authorities \u2014 this is likely a loan scam.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 17 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Do I need a guarantor or any collateral to apply for a debt consolidation loan?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>A debt consolidation loan via personal loan is typically a type of <strong>unsecured loan<\/strong>. This means that you do not need to provide any collateral or have any guarantor in order to borrow money. Approval is based on your creditworthiness and income.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 18 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Can I use my credit cards after debt consolidation?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>You can use your credit cards after consolidation if the account is still active and in good standing. However, make sure to proceed with caution, particularly if overspending was the cause of your previous debts. The best practice is to keep credit card usage minimal while repaying your consolidation loan.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 19 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Who is Direct Lending? What loan types are provided?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Direct Lending is an online personal loan marketplace, enabling borrowers to find, apply and receive financing that best suits them.<\/p>\r\n                <p><strong>For civil servants:<\/strong> bank and koperasi loans from established financing partners.<\/p>\r\n                <p><strong>For private sector:<\/strong> safe personal loans from over 15 licensed lending partners in Malaysia.<\/p>\r\n                <p>Our service is <strong>100% FREE<\/strong> with no payment required from customers at any time. Direct Lending has received over <strong>9,000+ reviews rated 5-stars<\/strong> on Google Business and Facebook.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n\r\n        <!-- Question 20 -->\r\n        <div class=\"faq-item\">\r\n            <div class=\"faq-question\" role=\"button\" tabindex=\"0\">\r\n                <span class=\"question-title\">Is the Direct Lending service free?<\/span>\r\n                <div class=\"icon-box\"><span class=\"icon-plus\">+<\/span><span class=\"icon-minus\">\u2212<\/span><\/div>\r\n            <\/div>\r\n            <div class=\"faq-answer\">\r\n                <p>Yes, our service is 100% free. There are no upfront payments or service fees charged to applicants. We are committed to transparent and ethical lending assistance.<\/p>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n<script>\r\n    (function() {\r\n        const faqItems = document.querySelectorAll('.faq-item');\r\n        \r\n        function closeAllItems(exceptItem = null) {\r\n            faqItems.forEach(item => {\r\n                if (exceptItem !== item && item.classList.contains('active')) {\r\n                    item.classList.remove('active');\r\n                }\r\n            });\r\n        }\r\n        \r\n        function openItem(item) {\r\n            if (!item.classList.contains('active')) {\r\n                item.classList.add('active');\r\n            }\r\n        }\r\n        \r\n        function toggleAccordion(clickedItem) {\r\n            const isActive = clickedItem.classList.contains('active');\r\n            \r\n            if (isActive) {\r\n                clickedItem.classList.remove('active');\r\n            } else {\r\n                closeAllItems(clickedItem);\r\n                openItem(clickedItem);\r\n            }\r\n        }\r\n        \r\n        faqItems.forEach(item => {\r\n            const questionDiv = item.querySelector('.faq-question');\r\n            if (questionDiv) {\r\n                questionDiv.addEventListener('click', (e) => {\r\n                    e.stopPropagation();\r\n                    toggleAccordion(item);\r\n                });\r\n                \r\n                questionDiv.addEventListener('keypress', (e) => {\r\n                    if (e.key === 'Enter' || e.key === ' ') {\r\n                        e.preventDefault();\r\n                        toggleAccordion(item);\r\n                    }\r\n                });\r\n                \r\n                questionDiv.setAttribute('aria-expanded', 'false');\r\n                questionDiv.setAttribute('role', 'button');\r\n            }\r\n        });\r\n        \r\n        \/\/ Open first item by default\r\n        const anyActive = Array.from(faqItems).some(item => item.classList.contains('active'));\r\n        if (!anyActive && faqItems.length > 0) {\r\n            faqItems[0].classList.add('active');\r\n        }\r\n        \r\n        \/\/ Ensure only one active on load\r\n        const activeItems = Array.from(faqItems).filter(item => item.classList.contains('active'));\r\n        if (activeItems.length > 1) {\r\n            for (let i = 1; i < activeItems.length; i++) {\r\n                activeItems[i].classList.remove('active');\r\n            }\r\n        }\r\n    })();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67e59f24 e-flex e-con-boxed e-con e-parent\" data-id=\"67e59f24\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24f10691 animated-fast elementor-invisible elementor-widget elementor-widget-elementskit-heading\" data-id=\"24f10691\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;ekit_we_effect_on&quot;:&quot;css&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"elementskit-heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"ekit-heading elementskit-section-title-wraper text_center   ekit_heading_tablet-   ekit_heading_mobile-text_left\"><h2 class=\"ekit-heading--title elementskit-section-title \">Contact us <span><span>today <\/span><\/span> for more details<\/h2>\t\t\t\t<div class='ekit-heading__description'>\n\t\t\t\t\t<p>\u00a0Our fast approval process and competitive interest rates will make it an ideal choice for your loan needs<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dbb41d8 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2dbb41d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Fast &amp; Easy Application Process Debt Consolidation Calculator Malaysia Estimate how much you could save by combining your high-interest debts into a single, more manageable loan. Use our calculator to check your eligibility and explore debt consolidation options from banks and koperasi in Malaysia, helping you lower your monthly repayments. Home Debt Consolidation Calculator Compare [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-25389","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Debt Consolidation Calculator Malaysia - Personal Loan Malaysia | Licensed Money Lender<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/redzo.com.my\/gw\/debt-consolidation-calculator-malaysia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Debt Consolidation Calculator Malaysia - Personal Loan Malaysia | Licensed Money Lender\" \/>\n<meta property=\"og:description\" content=\"Fast &amp; Easy Application Process Debt Consolidation Calculator Malaysia Estimate how much you could save by combining your high-interest debts into a single, more manageable loan. 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