What We do

Professional Services


In Malaysia, most Debt Management Programs take about 10 years or more for you to pay off your outstanding payments. At FinAndCo, we are able to help you to shorten the repayment tenure to 6 years or less with progressive repayment schedules.

During this time, we would share advice on how to save money more effectively. With our help, you are still able to travel overseas with ease of mind and have better CCRIS or CTOS rating for a more fulfilling lifestyle.

Debt Management Consultancy

Outstanding credit cards payments is the most common unsecured debts among Malaysians. FinAndCo with its extensive experience will help clients restructure and rescheduling their credit card outstanding balances and personal loans in one single account for more efficient management.

If you’re looking for stable interest rates with reducing balance and the possibility of early settlement without any penalty, then this is the best choice for you. With this, our clients are able to save on finance charges of up to 60%.
Clients who are able to pay off their outstanding balances earlier than the original repayment schedule can enjoy attractive rebates.
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Mortgage Loan & Refinancing

Our strategy for MLR is to combine all of your credit cards, personal loans, and hire purchase loans into a single Mortgage account. This consolidation will result in better cash flow management.
With MLR, your monthly commitment can be reduced up to 70%. Home loan interests are much lower than that of credit card interests.

If you’re interested to consolidate your secured and unsecured loan, MLR is the choice for your financial planning.
You are able to use the overdraft services for working capital for those rainy days. Clients who have opted for this program have been able to save up to 60% in interests and other related costs.
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Bank Loan
( Business/Personal/SME )

If you are starting a business and short of cash, we can share our solutions with you to help you kickstart your business.
Our options for the SME Loan would not be burdensome to entrepreneurs or small business owners. Repayment schedule would be flexible and manageable according to the agreed terms

and conditions.
Consider taking on a personal loan to settle outstanding credit card debts at a much lower interest rate compared to the interest rates of credit cards. Having a single point of view and control would make it easier to manage your debts.
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Financial Literacy / Education

FinAndCo has been carrying out lots of face to face tailored made educational on debt management, financial literacy and financial management for number of years. We have invited financial experts from banking institutions to share the knowledge and concepts to various members of the public.

With this possession of the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources. Raising interest in personal finance. Understanding basic financial concepts allows people to know how to navigate in the financial system. People with appropriate financial literacy training make better financial decisions and manage money better than those without such training.
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Portfolio Management

Right after you have complete clearing all your debts, you will no going to the Optimization Portfolio Management of your Personal Credit Rating which enable you to optimize your personal credit rating and scores, so that you can start borrowing from banks at any point of time.

Accounting Services

Professional advice and help regards to bank loan and manage your bank loan account is our utmost importance with all necessary preparations such as income tax submission, audit report and other required documents. With adequate documentation and following the bank compliance will greatly increase your chance of the loan being approve.