Perkhidmatan Kredit Komuniti
Your Salary May Not Be the Problem.Your Monthly Commitments Might Be.
A mortgage, car financing, a few credit cards, family commitments: even a good income can feel stretched when most of it is spoken for before the month begins. 96 Century helps you understand whether personal financing or debt consolidation could give you a clearer way forward.
No obligation. Start with a conversation.
- Licensed Kredit Komuniti
- No Upfront Fees
- No Hidden Fees
- CCRIS & CTOS Cases Considered
24 years of experience
10,000 clients served
95 percent success rate
Perkhidmatan Kredit Komuniti
Empowering Your Credit • Igniting Growth • Inspiring Prosperity
Before you discuss your finances, know that you are speaking with an established Kredit Komuniti, not an anonymous advert or a WhatsApp-only agent. Below are our business details.
96 Century
Perkhidmatan Kredit Komuniti
- Company Name
- Ninety Six Century Group (M) Sdn. Bhd.
- SSM Registration No.
- 201601018500
- Licence No.
- WL5861/10/01-10/161126
- Advertisement Permit Validity
- 17/11/2024 – 16/11/2026
- Office
- 03-3001 9368
- Mobile / WhatsApp
- 012-678 9966
- Address
- 3-G, Jalan Aman Sinaria 1
Bandar Tropicana Aman
42500 Telok Panglima Garang
Selangor
Over 10,000 Successful Loan Approvals
Personal Loans, Debt Consolidation, or CTOS, CCRIS & Blacklisted Loans
Whether you need a personal loan, debt consolidation, or a private review of a CTOS, CCRIS or blacklisted loan case, the starting point is understanding your situation.
Personal Loan
A single facility for a planned need such as education, a family matter or a major expense, repaid over an agreed tenure of 6–60 months, with the rate and total cost set out in writing before you commit. Subject to assessment and the final loan agreement.
- Flexible 6–60 month tenure
- No upfront fees
- Costs set out in writing before you commit
Debt Consolidation
If several repayments crowd your month, consolidating them may simplify your commitments into one structured repayment. It does not make debt disappear, but it can make it clearer and easier to manage. Whether it helps depends on your circumstances and assessment.
- Multiple repayments become one
- Flexible 6–60 month tenure
- No upfront fees
CTOS / CCRIS Loan Options
If CTOS or CCRIS records, previous repayment issues, or a rejected bank application are making it harder to get financing, you may still have options. We’ll review your situation and explain what may be available before you decide whether to proceed.
- CTOS / CCRIS situations considered
- Previous bank rejection can be assessed
- Clear eligibility review before you apply
Loan Calculator
See How a Repayment Could Look
Adjust the amount, tenure and loan type to see an illustration calculated at the selected product rate. This is an illustration only, not a quote and not an offer.
Illustration: Not an Offer
Rate: secured, up to 12% p.a. (fixed for this illustration)
RM1,000 – RM50,000
Adjust the amount and tenure to see how the illustration changes.
Estimated interest
Estimated total repayment
Approx. monthly repayment
This example is for illustration only. Actual loan amounts, rates, repayments and terms are subject to assessment, approval and the final loan agreement. Terms and conditions apply.
Personal loan rates and repayment disclosure
Repayment period: 6–60 months.
Maximum published flat annual rates: 12% p.a. (secured loans); 18% p.a. (unsecured loans). These rates calculate interest on the original principal. They are flat rates, not APR.
Maximum APR or locally calculated equivalent: The lender-approved all-in annual rate has not yet been supplied for either loan type. The flat rates above cannot be used as APR.
Illustrative repayment example at the secured flat rate: Borrowing RM 5,000.00 over 12 months at a secured flat annual rate of 12% — flat interest: RM 600.00; fees assumed for this illustration: RM 0.00; total cost of credit on that assumption: RM 600.00; total repayable on that assumption: RM 5,600.00; estimated monthly instalment: RM 466.67.
RM0 fees is an assumption supplied for this illustration. The complete lender-approved fee schedule, when each charge is payable, and repayment timing still need confirmation before this can be used as an all-in advertising example.
Product Snapshot
The Numbers, Upfront
No appointment needed to see the basics: this is what the product looks like before you speak to anyone.
6–60 Months
Flexible repayment tenure
Up to 18% p.a.
Unsecured loans
Up to 12% p.a.
Secured loans
No Upfront Fees
Nothing to pay before assessment
No Hidden Fees
Costs set out in writing before you sign
Interest rates shown are maximum rates per annum. The rate, loan amount and tenure that apply to you are determined by individual assessment and set out in the final loan agreement. Terms and conditions apply.
CCRIS, CTOS & “Blacklisted” Enquiries Considered
Rejected by a Bank? You May Still Have Options.
96 Century accepts enquiries from people with complicated credit histories, including CCRIS or CTOS records and situations commonly described as being “blacklisted.”
A previous rejection does not automatically end the conversation. Your current circumstances can still be considered through an individual assessment.
What may have affected an earlier application
- Arrears on an existing loan or credit card
- A pattern of late payments on your record
- Monthly commitments already taking up much of your income
- A high level of borrowing relative to what you earn
What we can discuss now
- Your current income and the documents that support it
- Your latest payslips and bank statements
- The commitments you are already carrying
- Whether a repayment would realistically fit your month
You can be considered, but approval is never automatic. We do not clear or remove credit records. Be cautious of anyone promising guaranteed approval or asking for an advance payment before a loan is released.
How It Works
SAME DAY APPROVAL
No forms, no documents and no commitment needed for the first step: just a conversation.
Contact Us
Message us on WhatsApp or call the office. Nothing to prepare, just tell us what you are dealing with.
Send Your Documents
Your IC, latest 3 months of payslips and bank statements, a utility bill and your EPF statement.
Approval
Every application is assessed individually. If approved, we explain the rate, tenure and total repayment before you sign anything.
Receive Your Money
Once you have read the agreement and decided to proceed, your funds are released.
Prepare These Documents
What You'll Need
Having these documents ready can help make the assessment process smoother.
Identity Card
Copy of IC, front and back.
Payslips
Latest 3 months' payslips.
Bank Statements
Latest 3 months' bank statements.
Utility Bill
Latest water or electricity bill.
EPF Statement
Latest EPF statement.
We will never ask you to upload documents through this website, or to share banking passwords or OTPs. Documents are only discussed once you are speaking directly with 96 Century.
Questions, Answered Plainly
Frequently Asked Questions
A personal loan is a lump sum you borrow and repay in fixed monthly instalments over an agreed tenure of 6 to 60 months at 96 Century. The amount, rate and total repayment are set out in a written agreement before you commit.
Debt consolidation combines several existing repayments, such as credit cards and other facilities, into a single structured repayment. It does not reduce what you owe by itself, but it can make your commitments simpler to manage. Whether it suits you depends on your circumstances and assessment.
No. There are no upfront fees. You pay nothing to enquire or to have your situation assessed.
A copy of your IC (front and back), your latest 3 months' payslips, your latest 3 months' bank statements, a recent water or electricity bill, and your latest EPF statement. Having these ready makes the assessment smoother, but you do not need any of them for a first conversation.
From 6 to 60 months. The tenure that applies to you is agreed as part of your offer.
Up to 18% per annum for unsecured loans and up to 12% per annum for secured loans. The actual rate offered depends on individual assessment and is stated in the loan agreement before you commit.
No. Every application is assessed individually, and enquiring carries no obligation on either side. What we can promise is a clear, honest explanation of where you stand.
Yes. 96 Century accepts enquiries from people in these situations. A credit record or previous rejection does not automatically prevent you from asking about your options. Every application is assessed individually, and approval is not guaranteed.
Yes. Your enquiry and everything you share with us is handled privately and used only to assess and discuss your options with you.
Message us on WhatsApp or call the office, tell us briefly what you are dealing with, and a consultant will take it from there. No forms and no documents are needed for a first conversation.
What Clients Say About Working With Us
Names have been changed to protect our clients' identities.
Client testimonials advance automatically.
“Saya ada terlalu banyak komitmen setiap bulan dan memang susah nak urus. Team 96 Century terangkan satu-satu dan saya jadi lebih faham pilihan yang ada.”
Hafiz R., Shah Alam Rating: 5 out of 5“What I liked most was they didn't pressure me. They asked about my situation first and explained the process clearly before I decided anything.”
Melissa T., Petaling Jaya Rating: 5 out of 5“之前我对债务整合不是很了解，跟他们谈过之后才比较清楚整个过程。服务很有耐心，也不会一直催我做决定。”
Jason L., Kuala Lumpur Rating: 5 out of 5“I had spoken to a few places before but still felt confused. Here, they took the time to explain the numbers and what I needed to prepare.”
Daniel W., Subang Jaya Rating: 5 out of 5“整个过程没有我想象中那么复杂。先了解我的情况，然后再解释适合的选择。最重要是不会给我压力。”
Michelle L., Cheras Rating: 5 out of 5“Saya suka sebab mereka sangat terus terang. Mereka tak janji macam-macam, tapi tengok situasi saya dulu dan terangkan apa yang boleh dibuat.”
Siti A., Klang Rating: 5 out of 5“之前每个月的还款让我压力很大。跟顾问谈过后，至少我更清楚自己接下来应该怎么处理。”
Raymond N., Petaling Jaya Rating: 5 out of 5“Team sangat friendly dan senang nak berbincang. Penerangan jelas, tak rasa kena paksa dan saya boleh fikir dulu sebelum buat keputusan.”
Nurul H., Ampang Rating: 5 out of 5
Empowering Your Credit
Not Sure Which Option Fits Your Situation?
Start with a private conversation. Tell us what you are dealing with, and we will help you understand the next step, with no obligation to go further.
Confidential. No obligation. Real person on the other end.