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Frequently Asked Questions

No. Our service helps you organize loan application documents and submit them to various financial institutions to increase your chances of approval. However, final approval depends on the financial institution’s requirements, including credit score, financial status, and repayment ability.
Yes! MS CAPITAL EMPIRE is a legally registered company with the Companies Commission of Malaysia (SSM) and operates in compliance with local regulations. We do not impose hidden fees or request unnecessary personal information.
After become member, you can get:
    1. Unlimited loan consultation & professional advice
    2. 2 free CTOS reports per year
    3. Ability to apply for loans multiple times through various financial institutions
    4. Priority processing for loan approval
The processing time depends on the financial institution. Typically, approval can take as fast as 1-3 days or up to a maximum of 1-2 weeks.
Generally, you need to provide:
    1. Copy of Identification Card (IC)
    2. Proof of income (salary slip or bank statement)
    3. Purpose of the loan (e.g., personal, business, etc.)
    4. Additional documents as required by the financial institution
Financial institutions may reject applications due to low credit scores, unstable income, or high debt load. We recommend that you:
    1. Check your CTOS report to identify any credit issues
    2. Adjust the loan amount or repayment period to find a more suitable option
    3. Apply through another financial institution, as different institutions have different approval criteria
No! Our membership fees are clearly stated on our website. There are no additional or hidden charges.