A Malaysian man was left carrying nearly RM25,000 in outstanding debt after allegedly taking out a car loan under his own name for his former girlfriend, only to discover the financial consequences years after they broke up.
The story was shared by car sales adviser Mazlina on Threads, where she recounted the experience of a customer who recently applied to purchase a Perodua Ativa Advance.
According to Mazlina, the customer earned around RM7,000 a month, and based on his financial profile, she expected the loan application to be approved within hours.
“I was confident the approval would come through within three hours after submitting the application,” she wrote.
However, the bank unexpectedly rejected the application. A further review revealed that the man had an outstanding car loan balance of almost RM25,000, with repayments reportedly overdue for around three years.
When asked about the debt, the customer explained that about four years ago, he had purchased a Perodua Myvi under his own name for his then-girlfriend.
At the time, she was undergoing industrial training and was allegedly unable to qualify for a vehicle loan. Wanting to help, he agreed to finance the car after she promised to make the monthly instalment payments herself.
According to Mazlina, the arrangement worked initially, but everything changed after the couple ended their relationship. The woman allegedly stopped making payments just a few months later before blocking all contact with him.
The man reportedly admitted that he had received several notices regarding the overdue loan and had even been visited by repossession agents looking for the vehicle.
However, the car was allegedly still in his ex-girlfriend’s possession, and the repossession team was unable to locate it. After hearing nothing further, he assumed the matter had been resolved.
It was only when his application for a new car loan was rejected that he discovered the unpaid debt remained under his name.
As the original borrower, he remained legally responsible for the outstanding loan regardless of who was driving the car or who had agreed to make the repayments.
Reflecting on the incident, Mazlina urged Malaysians not to take out loans on behalf of their partners, no matter how serious the relationship may seem.
“Don’t be too convinced that the person you’re dating will definitely become your life partner. Everything must have boundaries. Otherwise, you’ll be the one left responsible in the end,” she wrote.
