Know your rate instantly.
Get your funds in as fast
as 2 working days*
Find and apply the best loan suit your needs, anytime, anywhere
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Our services are 100% free. We don't take any upfront fees from you at any time
It takes just a few minutes to fill out our online application form to find out instantly if you qualify. You do not need to submit any personal documents for this. It is completely safe and secure.
If you qualify, provide us with your necessary identity and income documents to complete the application. There are many ways you can submit your documents to us. Pick the one that is most convenient for you.
Review and sign loan agreement. The provider of the financing that you have chosen will call you to verify your application details.
Your money is deposited into your bank account as few as 2 working days*
Direct Lending is an online personal lending platform that aims to provide a better borrowing experience to consumers in Malaysia – fast, simple, safe and affordable.
We are an authorised marketing representative for the civil servant personal financing facilities originated by RCE Marketing Sdn Bhd (a subsidiary of the Bursa Malaysia listed company, RCE Capital Berhad) through Yayasan Ihsan Rakyat and Yayasan Dewan Perniagaan Melayu Perlis Berhad. In addition, we also offer civil servant personal financing from Public Islamic Bank, Koperasi KOBETA, Koperasi KOPUTRI, Koperasi Ukhwah and other selected co-operatives in Malaysia.
We recently broaden our loan product offerings for private sector workers by collaborating with JCL Credit Leasing Sdn Bhd (also known as Japan Credit Leasing), a licensed lender registered under KPKT.
Stay tuned as we work to introduce other great products and services.
For civil servant personal loan, depending on the financing provider, you can borrow up to RM250,000 with flexible loan terms of between 1 and 10 years. Your loan is repaid on a monthly basis via non-discretionary salary deductions processed by either the Accountant General’s Department or the Angkatan Koperasi Kebangsaan Malaysia Berhad (Angkasa).
For private sector personal loan, you can borrow up to RM50,000 with loan terms between 1 and 5 years. You can repay your loan on a monthly basis via Interbank GIRO (IBG), cash deposit, cheque deposit, or MEPS ATM fund transfer.
Your maximum loan amount is determined by your personal background, credit profile, current financial situation and commitment.
No, we never take or request for any money from our customers at any time. We earn our income through commission granted directly by the financier when your loan is approved and disbursed.
For civil servant personal loan, you are eligible to borrow if you are currently:
For private sector personal loan, you are eligible to borrow if you are currently:
In all cases, you must not in bankruptcy and can afford the loan repayment
It takes just a few minutes to fill out the online application form and you will find out instantly whether you qualify for the loan and the indicative rate. If you like what you see, you can continue with the application process.
Once we receive your complete documentation, depending on the financing package that you have applied for, you could receive the financing from 2 working days* to about 2 weeks.
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