Recently getting rejected from banks when applying personal loan due to high commitment. Then suddenly many bank agencies' ears so powerful can get my contact and keep getting calls from them 1 by 1 almost everyday. Most of them saying can help get even rejected many times then can up 250k lower than 3% which is abit unrealistic since I check from ringgitplus and the bank itself lowest also 5% with promotion. Keep on told them not interested then next one call again 😅

Since they don't give up keep call then I also spy some of the information. Majority of them will charge 18% of total loan and recently got another 2 is 15% and another talk theory like doctor to me 🤦

Back to low interest rate, mostly they will say they know some bank officer can get the lowest rate. Even though I am having financial difficulties, I am still not trust what they mentioned. Even though having high commitment, I am still able to pay with majority of credit cards usage are installments then they are saying I can't manage my financial 😴

Anyone really try loan/consolidate via bank agency? Please share because I also have 2 personal loan with very interest looking to switch to lower interest but so far I still doing fine without switching