As featured on

Home
Home
Home
Home
Home
Home
Home
Home

Bank & Koperasi Personal Loans

For civil servants. Enjoy competitive rates from 2.97% 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.

Apply Now

Auto Service Financing

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

Apply Now

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.

Apply Now

Malaysia’s Loan Specialist

150,000+

successful loan eligibility checks

Home

RM 500m

safe financing disbursed

5,000+

5-star reviews from our customers

Home
Home

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?

Find My Rates

What our Happy Customers Say

You could be next

Home
Home

What’s new at Direct Lending

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

March 25, 2025
car refinance Malaysia
Published by Krystal Cheong on March 25, 2025
Categories

Ultimate Guide to Car Refinance in Malaysia

Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.
Krystal CheongKrystal Cheong March 25, 2025
March 12, 2025
How-to-File-LHDN-e-Filing
Published by Mandy on March 12, 2025
Categories

Income Tax Exemption in Malaysia and e-Filing for Assessment 2024

Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.
MandyMandy March 12, 2025
March 12, 2025
debt consolidation
Published by Yik Seong on March 12, 2025
Categories

Should You Apply For Debt Consolidation Personal Loan?

The biggest cargo people carry these days is debt. Borrowing, including the use of credit cards, is habit-forming. Once you get caught in the habit, you run the risk of spending more than you can really afford.
Yik SeongYik Seong March 12, 2025
March 25, 2025
car refinance Malaysia
Published by Krystal Cheong on March 25, 2025
Categories

Ultimate Guide to Car Refinance in Malaysia

Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.
Krystal CheongKrystal Cheong March 25, 2025
March 12, 2025
How-to-File-LHDN-e-Filing
Published by Mandy on March 12, 2025
Categories

Income Tax Exemption in Malaysia and e-Filing for Assessment 2024

Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.
MandyMandy March 12, 2025
March 12, 2025
settle card credit tips
Published by Yik Seong on March 12, 2025
Categories

Credit Card Loan: 10 Effective Ways To Get Out Of It

The Malaysian public is increasingly moving towards cashless payment modes, and this financial innovation seems to continue to evolve, signifying a positive shift for our society.
Yik SeongYik Seong March 12, 2025
March 12, 2025
debt consolidation
Published by Yik Seong on March 12, 2025
Categories

Should You Apply For Debt Consolidation Personal Loan?

The biggest cargo people carry these days is debt. Borrowing, including the use of credit cards, is habit-forming. Once you get caught in the habit, you run the risk of spending more than you can really afford.
Yik SeongYik Seong March 12, 2025
March 12, 2025
settle card credit tips
Published by Yik Seong on March 12, 2025
Categories

Credit Card Loan: 10 Effective Ways To Get Out Of It

The Malaysian public is increasingly moving towards cashless payment modes, and this financial innovation seems to continue to evolve, signifying a positive shift for our society.
Yik SeongYik Seong March 12, 2025
March 12, 2025
loan scammer
Published by Mandy on March 12, 2025
Categories

Is Direct Lending Trusted, Or Is It Another Loan Scammer?

There have been irresponsible parties pretending to be Direct Lending and offering pre-approved loan. These scammers are still actively on the loose.
MandyMandy March 12, 2025
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 4, 2024
emergency fund
Published by Yik Seong on June 4, 2024
Categories

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?
Yik SeongYik Seong June 4, 2024
April 24, 2024
children Education Fund
Published by Yik Seong on April 24, 2024
Categories

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
March 12, 2025
debt consolidation
Published by Yik Seong on March 12, 2025
Categories

Should You Apply For Debt Consolidation Personal Loan?

The biggest cargo people carry these days is debt. Borrowing, including the use of credit cards, is habit-forming. Once you get caught in the habit, you run the risk of spending more than you can really afford.
Yik SeongYik Seong March 12, 2025
March 12, 2025
loan scammer
Published by Mandy on March 12, 2025
Categories

Is Direct Lending Trusted, Or Is It Another Loan Scammer?

There have been irresponsible parties pretending to be Direct Lending and offering pre-approved loan. These scammers are still actively on the loose.
MandyMandy March 12, 2025
January 8, 2025
Clear-CCRIS-CTOS
Published by Yik Seong on January 8, 2025
Categories

CCRIS Report: 8 Simple Ways To Improve It

We have received many inquiries from our customers on how to improve their CCRIS report (Central Credit Reference Information System) records.
Yik SeongYik Seong January 8, 2025
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
Categories

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
January 5, 2024
financial goals
Published by Sera on January 5, 2024
Categories

12 Steps to Achieve Your Financial Goals 2024

The past two years have been extremely challenging to many as we are still combating the spread of the COVID-19 virus.
SeraSera January 5, 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
March 25, 2025
car refinance Malaysia
Published by Krystal Cheong on March 25, 2025
Categories

Ultimate Guide to Car Refinance in Malaysia

Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.
Krystal CheongKrystal Cheong March 25, 2025
March 12, 2025
How-to-File-LHDN-e-Filing
Published by Mandy on March 12, 2025
Categories

Income Tax Exemption in Malaysia and e-Filing for Assessment 2024

Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.
MandyMandy March 12, 2025
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
View All Blogs

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?

View FAQs