Bank & Koperasi Personal Loans

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

Apply Now

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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Malaysia’s Loan Specialist

130,000+

successful loan eligibility checks

RM 300m

safe financing disbursed

2,000+

5-star reviews from our customers

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*

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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!