Debt Consolidation 

We are debt consolidation advisors that provide accurate guidance to strengthen your debts into a single and manageable payment. Our debt management consultant helps you create a strategy to regain control of your finances and reduce debt effectively.

Best Debt Consolidation & Management Consultant in Malaysia

Tired of Multiple Loans? Let’s Combine Them! A debt consolidation advisor could be your best planner in case you are having a number of credit cards, personal loans or high-interest debts. Our debt consolidation consultants assist you to simplify your payment by consolidating a number of debts into one, easier to manage and cheaper rate loan. You may want to consolidate credit card debt or other loans with high interests. We offer personal advice and solutions that will fit your financial objectives.

Why Do You Need a Debt Consolidation Advisor?

Streamlining Multiple Payments

Having various creditors, dates of payment and different interest rates can indeed be overwhelming. A debt management consultant makes it easier to manage your finances and decrease stress by organizing your payments in one, easy to manage monthly payment.

Find Your Best Consolidation Loan

There are a lot of consolidation loans in the market, and finding one that suits you is sometimes a hard task. A debt consolidation advisor will compare different loan products to identify the most suitable loan with the lowest interest rate and the best terms.

Improving Financial Health

Debt consolidation is not only about getting loans together, but also getting your finances straight. We assist you in planning a loan to reclaim your financial health, and provide realistic solutions to prevent going back into debt.

Fin Pilot aims at assisting you to take charge of your finances using the best debt consolidation plans in Malaysia. Having analyzed your present debt status to find the possible terms and conditions of loans, we also provide a hassle-free and easy consolidation process. At Fin Pilot, we offer a free consultation to discuss how debt consolidation can help you regain control of your finances. Contact us to reduce your debt and make it easier to pay and enjoy your financial freedom again.

Need funds fast? Whether it’s debt consolidation or apply for cash loan, we guide you from credit check to approval — so you can choose the best loan with confidence.

Who We Help and How We Do It?

Who Is It For?

  • People with multiple loans or credit cards

  • Those struggling to manage many monthly payments

  • Anyone who wants to reduce financial stress and take back control

How We Help:

  • We review your full credit report (CTOS, Experian)

  • We calculate how much you can consolidate

  • We identify which banks are open to your profile

  • We help apply for a new loan that covers all your existing debts

  • We walk you through the options, so you get lower interest and one monthly payment

Documents You’ll Need:

  • IC front & back

  • Latest 3 months salary slips

  • Latest 2 years EPF statement

Got Questions? We’ve Got You Covered.

We know applying for debt consolidation can feel confusing—especially with so much info (and misinformation) out there. That’s why we’ve put together this FAQ page to answer the most common questions our customers ask.

Whether you're wondering about the process, documents, eligibility, or how we protect you from scams—you’ll find all the answers right here.

Still unsure about something?

Contact us and we’ll be happy to help!

  • Debt consolidation is the process of combining multiple debts into a single loan with one monthly payment, often with a lower interest rate. This can make managing debt easier and help you pay it off faster.

  • Yes. We’ll look into your commitments, see what’s workable, and help you apply for a plan that reduces your monthly commitment.

  • We might still be able to help—especially if your salary is RM3,000 and above. We’ll check your report and discuss options.

  • A debt consolidation consultant helps by assessing your financial situation and guiding you through consolidating multiple debts into a single loan with one manageable monthly payment.

  • Debt consolidation can have both positive and negative effects on your credit score. If you make consistent, on-time payments, it can improve your score over time. However, missing payments can negatively impact your credit.

Let's Talk About Your Loan Options

Got questions? Not sure if you’re eligible? Need help with your credit report? We’re just a message away.

No pressure. Just honest advice and real support.

Let’s chat and see what’s possible for you.

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