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Bank & Koperasi Personal Loans

For civil servants. Enjoy competitive rates from 2.95% p.a. With approval as fast as 2 working days.

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Licensed Money Lender Personal Loans

For salaried employees. No upfront payment or ATM card required. Approval as fast as 24 hours.

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Auto Service Financing

For car owners. Service your car now & pay later. Shariah-compliant financing up to RM5,000.

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SME Micro Financing

For business owners. Shariah-compliant or conventional financing up to RM200,000. For business owners. Approval as fast as 3 working days.

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How Direct Lending works?

1

Check Your Rate

2

Submit Documents

3

Verify Details & Accept Offer

4

Get Your Money

1

Check Your Rate

Find out if you qualify for a loan in a matter of a few minutes

2

Submit Documents

Upon successful qualification, submit your identity & income documents in the most convenient way of your choice.

3

Verify Details & Accept Offer

Receive a call from your chosen financier to verify your application details. Review and accept the financing terms

4

Get Your Money

Sit back & wait for that cash to roll into your bank account as fast 24 hours*

Not sure whether you are eligible to borrow loans?

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What’s new at Direct Lending

We are always eager to help improve your personal finance affairs.

June 18, 2024
6 Effective Ways You Can Cut Your Petrol Cost
Published by Yik Seong on June 18, 2024
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6 Effective Ways You Can Cut Your Petrol Cost

We can all agree that the cost of living in Malaysia has increased significantly. One of our daily necessities that have been increasing is the cost of petrol.
Yik SeongYik Seong June 18, 2024
June 18, 2024
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Published by Sera on June 18, 2024
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How To Save Money in Malaysia? 15 Creative Ways

There is no doubt that there are a handful of people whose salaries are always insufficient and worst, run out before the next one. So the question is, how to save money in Malaysia?
SeraSera June 18, 2024
June 10, 2024
What car should you buy with RM2K salary
Published by Mandy on June 10, 2024
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3 Best Ways to Buy a Car: Cash, Hire Purchase & Personal Loan

The increasing consumers price in our country is not something new or unfamiliar, on the contrary, almost every year this issue arises.
MandyMandy June 10, 2024
June 18, 2024
6 Effective Ways You Can Cut Your Petrol Cost
Published by Yik Seong on June 18, 2024
Categories

6 Effective Ways You Can Cut Your Petrol Cost

We can all agree that the cost of living in Malaysia has increased significantly. One of our daily necessities that have been increasing is the cost of petrol.
Yik SeongYik Seong June 18, 2024
June 18, 2024
save money creative malaysia
Published by Sera on June 18, 2024
Categories

How To Save Money in Malaysia? 15 Creative Ways

There is no doubt that there are a handful of people whose salaries are always insufficient and worst, run out before the next one. So the question is, how to save money in Malaysia?
SeraSera June 18, 2024
June 10, 2024
What car should you buy with RM2K salary
Published by Mandy on June 10, 2024
Categories

3 Best Ways to Buy a Car: Cash, Hire Purchase & Personal Loan

The increasing consumers price in our country is not something new or unfamiliar, on the contrary, almost every year this issue arises.
MandyMandy June 10, 2024
April 24, 2024
8 Things to Check Before Signing a Personal Loan Agreement in Malaysia
Published by Mandy on April 24, 2024
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8 Things to Check Before Signing a Personal Loan Agreement in Malaysia

Applying for a personal loan is easy and convenient these days. Why? This is because you do not need to provide any collateral or offer security to obtain cash.
MandyMandy April 24, 2024
April 23, 2024
16 Ways To Buy House in Malaysia With Little-to-No Money Down
Published by Sera on April 23, 2024
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16 Ways To Buy House in Malaysia With Little-to-No Money Down

Owning a home is definitely one of the things that people would name as a ‘life goal’, and it even serves as a status symbol apart from being a source of comfort.
SeraSera April 23, 2024
April 19, 2024
Credit Score Malaysia
Published by Mandy on April 19, 2024
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Credit Score Malaysia: All You Need to Know Before Applying for Loans

Do you know what a credit score is, and why is it so important when it comes to applying for loans and credit cards?
MandyMandy April 19, 2024
June 18, 2024
save money creative malaysia
Published by Sera on June 18, 2024
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How To Save Money in Malaysia? 15 Creative Ways

There is no doubt that there are a handful of people whose salaries are always insufficient and worst, run out before the next one. So the question is, how to save money in Malaysia?
SeraSera June 18, 2024
June 4, 2024
emergency fund
Published by Yik Seong on June 4, 2024
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6 Smart Ways To Grow Your Emergency Fund

Have you ever thought of what you might do if you are suddenly faced with a RM40,000 medical surgery bill?
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April 24, 2024
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Published by Yik Seong on April 24, 2024
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8 Ways to Save for Your Children Education Fund

In the more recent years, the state of the economy has been fluctuating in an unprecedented manner that it has become even more important to have a steady amount of savings, especially for your children education fund.
Yik SeongYik Seong April 24, 2024
April 24, 2024
8 Things to Check Before Signing a Personal Loan Agreement in Malaysia
Published by Mandy on April 24, 2024
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8 Things to Check Before Signing a Personal Loan Agreement in Malaysia

Applying for a personal loan is easy and convenient these days. Why? This is because you do not need to provide any collateral or offer security to obtain cash.
MandyMandy April 24, 2024
April 1, 2024
What is Islamic Personal Loan & the Differences with Conventional Personal Loan
Published by Mandy on April 1, 2024
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What is Islamic Personal Loan & the Differences with Conventional Personal Loan

A typical conventional bank earns money from interest by lending out money to consumers.
MandyMandy April 1, 2024
April 1, 2024
Differences between CCRIS and CTOS
Published by Yik Seong on April 1, 2024
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[INFOGRAPHIC] Differences between CCRIS and CTOS

CCRIS and CTOS are some of the crucial terms that are often mentioned during loan and financing application processes.
Yik SeongYik Seong April 1, 2024
June 18, 2024
6 Effective Ways You Can Cut Your Petrol Cost
Published by Yik Seong on June 18, 2024
Categories

6 Effective Ways You Can Cut Your Petrol Cost

We can all agree that the cost of living in Malaysia has increased significantly. One of our daily necessities that have been increasing is the cost of petrol.
Yik SeongYik Seong June 18, 2024
April 23, 2024
settle ptptn loan early
Published by Ehsan Marisah on April 23, 2024
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7 Things About PTPTN Loan Repayment That You Should Know

Skim Pinjaman Pendidikan, Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) is a national student loan scheme that aims to provide financial aid to students undergoing higher education in local higher education institutions or IPTs (Institusi Pengajian Tinggi).
Ehsan MarisahEhsan Marisah April 23, 2024
April 18, 2024
buy or rent house
Published by Yik Seong on April 18, 2024
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Should You Rent or Buy House With a Salary Below RM3K in Malaysia?

“Should I rent or buy house?” is probably a question that gets pondered a lot by Malaysians, especially now that property prices have been consistently rising.
Yik SeongYik Seong April 18, 2024
May 2, 2024
press release direct lending tan chong perkenal ansuran servis kereta
Published by Direct Lending on May 2, 2024
Categories

Direct Lending Partners with Tan Chong Motor to Introduce a Shariah-compliant Auto Service Financing

Direct Lending Sdn. Bhd. (Direct Lending), an online personal lending platform has recently received a RM300,000 grant from Cradle Fund Sdn. Bhd., a government agency with a mandate to fund potential and high-calibre tech start-ups through its Cradle Investment Programme (CIP300).
Direct LendingDirect Lending May 2, 2024
March 11, 2024
Published by Direct Lending on March 11, 2024
Categories

PolicyStreet Partners with Direct Lending, Debuts Embedded Microtakaful for Hari Raya

Direct Lending, an online personal lending marketplace, is launching #DIRECTBANTU+ to help ease the Rakyat’s financial burden during the recently announced full lockdown (FMCO).
Direct LendingDirect Lending March 11, 2024
April 26, 2022
Tri-partnership To Offer Education Financing
Published by Direct Lending on April 26, 2022
Categories

Tri-partnership To Offer Education Financing to Malaysian Students Obtain Higher Education in Singapore

PSB Academy, Direct Lending, and Uni Enrol have partnered up to offer financial assistance to help Malaysian students to obtain higher education in Singapore under the Scholar Search PSB programme.
Direct LendingDirect Lending April 26, 2022
June 10, 2024
What car should you buy with RM2K salary
Published by Mandy on June 10, 2024
Categories

3 Best Ways to Buy a Car: Cash, Hire Purchase & Personal Loan

The increasing consumers price in our country is not something new or unfamiliar, on the contrary, almost every year this issue arises.
MandyMandy June 10, 2024
April 30, 2024
Cheapest Car In Malaysia
Published by Q on April 30, 2024
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Top 4 Cheapest Car In Malaysia For Salary of RM2500

It is undeniable that car can be considered as a daily necessity for everyone no matter if they are still a bachelor or married with family in this era especially those people who are working in the city.
QQ April 30, 2024
April 25, 2024
6 Best Platforms For Your Investment In Malaysia
Published by Sera on April 25, 2024
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6 Best Platforms For Your Investment In Malaysia

Other than your usual EPF savings, how many of us have other forms of savings for our retirement?
SeraSera April 25, 2024
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Frequently Asked Questions

Who is Direct Lending?

Direct Lending started as a digital personal loan platform, enabling borrowers to find, apply and receive personal financing that best suits them in a safe and affordable manner. There are currently over 30 financing providers on its platform, from co-operatives, Bursa Malaysia listed companies, licensed moneylenders and credit communities.

With the vision to provide a seamless financing experience for every hardworking adult, Direct Lending launched its first point of sales financing solution in late March 2022, a Syariah compliant auto service financing which enables car owners to obtain financing at workshops to pay for their essential car repairs instantly. In December 2022, Direct Lending further expand the business by offering financing to micro SME businesses

Direct Lending is recognised as the Top Rising Star of The Year by Fintech Frontiers Award 2023. Direct Lending is a recipient of Cradle CIP300 funding in 2019.

Is it safe to borrow from Direct Lending?

Direct Lending only collaborates with licensed and legitimate koperasi, licensed moneylenders and credit communities. The application process is 100% free for our borrowers. Since incorporation in 2016, we have received over 2,700 5-stars review from our customers in our Google Business Page and Facebook.

Am I eligible to borrow?

For civil servant personal loan, you are eligible to borrow if you are currently:

  • A Malaysian citizen aged between 20 and 58 years old
  • Have a permanent job in the civil sector and with at least 6 months of service
  • Minimum gross monthly income of RM1,500

For private sector personal loan, you are eligible to borrow if you are currently:

  • A Malaysian citizen aged between 18 and 60 years old
  • Minimum gross monthly income of RM1,500 for Peninsular Malaysia and RM1,200 for Sabah & Sarawak
  • Have a permanent job with at least 3 months of service

For auto service financing, you are eligible to borrower if you are currently:

  • A Malaysian citizen aged 18 and above
  • Have sufficient income to meet the monthly repayment

No credit history or low credit score can apply. In all cases, you must not be declared bankrupt and can afford the loan repayment.
How can I contact Direct Lending?

You can:

  • Email us at support@directlending.com.my;
  • call us at +603 9212 4200 between 9.00am-6.00pm from Monday to Friday
  • chat with us through Direct Lending website
  • visit us at our office at Unit 22-3A, Oval Tower Damansara, 685 Jalan Damansara, 60000 Kuala Lumpur

We’d love to hear from you!

Curious to know more?

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