In today’s digital world, financial scams are becoming more rampant and sophisticated. Scammers use various tactics to deceive victims, especially those urgently seeking financial assistance.
At Parkson Credit, we not only offer safe and transparent loans, but we are also committed to protecting you from scams. Learn the warning signs of fake loan offers so you don’t become a victim.

🔍 Common Types of Loan Scams

1️⃣ Unconditional Loan Offers
✔ "No documents needed! Instant approval!"
If an offer sounds too good to be true, it probably is. Scammers often promise loans without requiring documentation or collateral but then request an advance payment under the guise of a "processing fee." Once paid, they disappear.

2️⃣ Unsolicited SMS or Calls
✔ You receive a text or call from a "representative of a financial institution" offering loans with unbelievably low interest rates.
Scammers often impersonate reputable financial institutions to gain your trust. Be cautious if you receive a loan offer without ever applying for one.

3️⃣ Fake Websites
✔ The website looks professional but lacks a physical office address or valid contact number.
Scammers create fake websites mimicking legitimate loan providers. They may use similar logos and names to trick you.

⚠️ How to Identify a Fake Loan Offer

✅ No Advance Payments
Legitimate loan providers will never ask for an upfront payment before a loan is approved. If you are asked to pay a "processing" or "insurance" fee, that’s a red flag!

✅ Check Licensing Numbers
Ensure the company is registered with Bank Negara Malaysia (BNM). You can verify licensed lenders on BNM’s official website.

✅ Don’t Share Personal Information
Never share your identification number, bank account details, or passwords with unknown parties.

✅ Verify Address and Contact Information
A legitimate company has a physical office and verifiable contact information. Be cautious if the company can only be reached through WhatsApp or suspicious emails.

🛡️ Parkson Credit’s Security Measures
At Parkson Credit, your safety is our top priority. We ensure:
✔ Transparent Loan Process – No upfront fees or hidden charges.
✔ Advanced Security Systems – Cutting-edge technology to protect your data.
✔ Customer Support Team – Ready to assist you in verifying any loan offers.

❗ What to Do If You’ve Been Scammed
If you’ve fallen victim to a scam, act quickly:
1️⃣ Contact Parkson Credit – We can help guide your next steps.
2️⃣ Report to Authorities – File a report with BNM or the Royal Malaysia Police (PDRM).
3️⃣ Monitor Your Bank Account – Watch for any suspicious transactions.
📌 Pro Tip: Keep all transaction records and communications with the scammer to assist with investigations.

📢 Parkson Credit Is Always Here for You
At Parkson Credit, we’re more than just a loan provider. We are committed to ensuring you receive financial services that are safe and fraud-free.
If you have any questions or concerns, contact the Parkson Credit Customer Service Centre. We’re here to help!

💡 Remember: If a loan offer seems too easy or too attractive, always verify before proceeding.