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Flexible 3 to 12-month Shariah-compliant installment plans for life's unexpected expenses.

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Saya Lenda!

Backed by over 10,000 5-star Google reviews on Direct Lending

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How We Help

Cover What Matters Most, Right Away

When unexpected expenses pop up, whether it's a car breakdown, insurance renewal, or medical emergency, Lenda Pay has you covered. We pay upfront so you can spread the cost into manageable monthly installments, stress-free.

Unexpected Car Repairs

Expiring Takaful / Insurance Policy

Sudden Medical Expenses

Car Repairs & Maintenance

Your vehicle keeps your daily life moving. When sudden repairs or service bills hit, we pay the mechanic upfront so you can get back on the road safely.

Takaful/Insurance Renewals

Don't let your coverage lapse. Lenda Pay finances your renewal upfront so you and your family stay protected without interruption.

Medical & Healthcare Bills

Health emergencies won’t wait on your bank balance. We handle the medical fees upfront so you can focus entirely on recovery.

Simple Process

Get Started in 3 Easy Steps

Get Your Credit Limit

Download the Lenda Pay app and complete a quick application to unlock your approved limit.

We Pay Upfront

Once approved, we settle the full amount directly with our merchant partner on your behalf.

Pay Back Later

Enjoy your service immediately and repay in comfortable monthly installments that fit your budget.

Download App Now

Customer Reviews

Trusted by Thousands Across Malaysia

MARHAINY ARIFFIN

12 August 2026

Servis Direct Lending 5 star, di percayai 100 %, proses yg mudah dan cepat.

zuera syed

24 July 2026

Terima kasih direct lending cik rina dan dik dee membantu pengurusan loan sy sampai berjaya..sangat komited dan membantu dalam setiap proses yang perlu dibuat walaupun banyak prosuder perlu dilengkapkan..terima kasih lagi sekali...🤗goodjob👍

Hana

9 April 2026

sangat membantu dalam setiap urusan. terima kasih kerana membantu tanpa jemu

Diwisuriyana Zahari

31 March 2026

Pegawai Mesra, jujur dan pantas..paling penting..boleh dipercayai

Rogayah Shaari HTPG Perak

13 January 2026

Sangat2 membantu dan bersabar

Azra Othman

11 December 2025

Cik Dee selalu bantu sy dalam urusan pinjaman..segala bantuan dan soalan yg sy tnya akan dijawab dgn cepat.Proses loan jugak mudah dan cepat. Cik Dee dah byk kali bantu saya dalam urusan pinjaman.Alhamdulillah semua urusan sy mudah dan lancar..Cik Dee juga bantu dalam setiap aspek..Terima kasih Cik Dee.. Alhamdulillah..Pinjaman sy kali ni lulus dengan cepat.Terima kasih Cik Dee sebab banyak bantu dan permudahkan urusan sy.Terima kasih juga sudi jawab segala soalan saya.Terima kasih sekali lagi.Memang terbaik.👍🏻

Abdul Salam

26 November 2025

Servis terbaik.. 5 bintang.. mesra, mudah dan tip top

Mohd Nazim -CKP

22 October 2025

Direct lending memudah urusan n trusted

Wan Alias

2 October 2025

Alhamdulillah.pinjaman ini sangat memudahkan urusan saya.Duit pun cepat dapat,t.kasih banyak2.

maizulaini muhammad

30 May 2025

Congratulations for the fast service of you.. tq and very nice.. trusted agent.. nice person, helpful tq very much

amar yassir

20 May 2025

Thnks puan aimi direct lending...Alhamdulilah loan sy lulus ..trusted 100%..rasa lebih 3 kali dah buat ..mmg trusted

Faraariq Faraariq

25 March 2025

Alhamdulillah...sngt2 trusted this company...walau mula2 agak was2 takut kena scam...sy xsangka loan sy lepas 🥰walau kena ikut step by step dengan sabar ditambah dgn rasa risau sbb xpernah buat loan secara online tp Alhamdulillah berhasil...sy berurusan dengan cik athika. ..tm ksh permudahkn urusan kak..semoga direct lending terus maju👍👍

Encik Budin Channel

6 March 2025

Alhamdullilah..Dah 4 kali berurusan Dengan Direct Lending..Mudah,Senang,Cepat Dan Puas Hati..Setiap Admin Melayan Dengan Bagus Sekali..Tahniah Direct Lending..Terima Kasih Cik Hidayah..🫰👍🙏

Hidayah Abdullah

3 March 2025

Pada mula nya mcm ragu ragu jugak.. tapi tengok review terus yakin .. terima kasih cik dee banyak bantu saya uruskan dokumen walaupun tak bersemuka… tak sampai seminggu dapat duit .. macam tak percaya… terima kasih direct lending bagi perkhidmatan macam ni.. saya bagi 5 bintang 😆😆😆😆 2024 Cik dee ada random mesej ke saya… Kali ke-2 saya berurusan cam tak percaya, dalam masa seminggu dapat la saya guna persiapan raya .. tq cik dee

FAHZILAHNOR BINTI AHMAD REZWAN

15 February 2025

Sangat senang berurusan dan cepat respon . Syukuralhamdulillah . Tiada yang susah , sangat2 membantu dan menjawab sebarang pertanyaan . Terima kasih banyak2 .

Wahida Noor Walat

14 February 2025

Permohonan pinjaman yang sangat senang dan cepat..dan juga mudah..yang berminat nak mohon cubalar mohon dari direct lending.saya berterima kasih dgn pn najihah yg bnyk membantu serta memudahkan urusan saya sepanjang membuat permohonan pinjaman ini.

Lily Andriani

12 February 2025

Alhamdullillah..Servis yg baik..insyaallah bukan scammer ya..Terbaikkk ❤️❤️❤️❤️

KESAVI INDRAA SIVAKUMAR

12 February 2025

Great customer service and great guidance.

Norhisham Mat Idrus

8 February 2025

very good guidance and support by team….Tq so much

Salmiah Abd. Kadir

5 February 2025

It was easy , fast and reliable....trusted.

umi mardhiyyah

5 February 2025

Terima kasih bantu saya dapatkan pinjaman untuk pembinaan rumah idaman saya. Sangat membantu dan mudah berurusan👍🏻

ifanah Miharbi

4 February 2025

Perkhidmatan yg terbaik dan sangat boleh dipercayai. Kali ke 2 menggunakan khidmat Dee drpd Direct Lending utk dapatkan pilihan pinjaman yg sesuai dgn kelayakan. Sangat disyorkan utk menggunakan khidmat yg disediakan oleh pihak Direct Lending. Terima kasih kpd Dee kerana telah memudahkan urusan pinjaman sy.

Roslan Mohd Noh

31 January 2025

Pengurusan yang terbaik dan sangat2 boleh dipercayai.. TERBAIK... 👍👍👍👍

Haniza Mohd Kamar

28 January 2025

Alhamdulillah...sangat membantu, pengurusan pun cepat.

leyna ismail

19 November 2024

1) trusted 2) service 10/10 3) bulanan rendah 4) mudah berurusan

Mohd Shukri Abdullah

6 November 2024

Alhamdulillah....sangat mudah, pantas dan menjimatkan masa.....segalanya di hujung Jari anda....selamat dan boleh dipercayai...Terbaik👍👍

NOR SYAHEEDA SHAARI

6 November 2024

2nd time berurusan dengan cik dee...tq cik dee memudahkan urusan saya...next boleh berurusan lagi😊

yass haffiz

5 November 2024

kali keempat pakai directlending .. servis terbaik cepat dan mudah

NURRASIDAH BINTI MOKHTAR

1 October 2024

Trusted

Nurul Fatin Ahmad

1 October 2024

Terima kasih diatas servis dari pihak direct landing (miss dee) Sgt mudah,sabar dan mesra dlm melayan pelanggan dan sentiasa memberi respon dan penerangan mengikut kehendak pelanggan. Trusted 👏👏👍👍

Atiyyah Rahim

1 October 2024

Servis yang baik dan pantas. Memudahkan urusan untuk membuat pinjaman

Dewi Amer

17 September 2024

cepat n pantas rekemen tuk kwn2

Norma wati

31 July 2024

SERVIS YANG SANGAT TERBAIK DAN MESRA PELANGGAN

Rashid Abdullah

23 July 2024

Alhamdulillah puas hati... Staf peramah.

nur azfariza khalid

9 July 2024

hai semua.urusan saya sangatlah dipermudahkan oleh Direct Lending.dari permulaan untuk mencari pinjaman yang bersesuaian dengan saya.kiraan dan penjelasan yang jelas serta memberikan saya nasihat kewangan yang sangat baik.dari segi dokumen,pun sangat memudahkan.bimbingan diberikan dari semasa ke semasa kepada saya dengan baik.akhirnya semuanya selesai.alhamdulillah

Salena Sally

27 June 2024

Perkhidmatan yang sangat mesra pelanggan... Sangat berpuas hati dengan penerangan dan servis yang ditawarkan.

Khatijah Herman

27 June 2024

Terima kasih direct lending..urusan sangat mudah, cepat dan boleh dipercayai 🥰🥰🥰 kakitangan pun baik2 belaka ❤️

iman razali77

24 June 2024

Sangat memudah kan urusan pelanggan

Siti Aidilla

23 June 2024

mudah berurusan dengan pihak direct lending, bagus sediakan insurans keatas peminjam selama kita meminjam.

Ariffnor Azmi

21 June 2024

respon dari pihak agensi yang pantas,terbaik dalam mengambil kira keadaan kewangan customer,membantu dr segi pemilihan agensi kewangan terbaik..urusan mudah dan pantas..dan menjawab pertanyaan customer dgn jelas dan efisien...sgt recommended!!

Hajar Othman

21 June 2024

saya dah buat.. pantas betul dpt duit nya.. senang mudah semua online..

Ery Jauhari Mohd Said

19 June 2024

Urusan cepat dan sempoi

ali hanafiah mamat

14 June 2024

tq permohonan dah lulus, duit dah dapat hanya 2 hari berkerja sahaja proses. terima kasih

Siti Umairah Umy

10 June 2024

Recommended. Staff sangat membantu. Whatapps dibalas dengan pantas. Terbaik 👍🏻👍🏻👍🏻

hanidah lee

8 June 2024

bagus boleh dipercayai dan proses lancar

Siti Zubaidah

8 June 2024

Senang berurusan🥰

izalina Rajaai

8 June 2024

Alhamdulillah.. ni kali ketiga berurusan dengan Direct Landing. Trusted agen yg bg details dan rekomen bank yg sesuai dgn kelayakan kita. Terima kasih Dee!

Nurul Ain

1 June 2024

Mudah dan pantas...sgt berpuas hati

MOHAMAD KHAIRUL HAZZIQ

1 June 2024

Senang berurusan. Pantas

Nadiha Adyha

28 May 2024

Recommend!!! Agent name Cik Dee is a very good and responsible person . She will follow up daily and help to solve matter👍

FAQ

Frequently Asked Questions

About Lenda Pay

What is Lenda Pay?

Lenda Pay is a 100% Shariah-compliant 'Buy Now, Pay Later' (BNPL) digital payment solution brought to you by Direct Lending. This app is designed to help you manage your cash flow during emergencies by splitting the cost of essential expenses into flexible monthly installment plans, without requiring a credit card.

How can I download Lenda Pay?

Apple and Android users can download the Lenda Pay app through the App Store and Google Play Store, or you can download it directly here.

What can I pay for using this app?

We focus on financing critical everyday needs. You can use Lenda Pay across our partner network for the following categories:

Automotive: Routine servicing, tyre changes or vehicle repairs at our panel workshops.
Vehicle Takaful: Renewal of your car or motor takaful and road tax.
Health & Medical: General medical treatments and dental care at our panel clinics or pharmacies.

Who is Direct Lending?

Lenda Pay is launched by Direct Lending. Financing through Lenda Pay is offered by Direct Lending Sdn. Bhd., a personal financing platform that provides safe and affordable financing for hardworking individuals in Malaysia. Direct Lending is a licensed Community Credit Company regulated by the Ministry of Housing and Local Government (KPKT).

Direct Lending was awarded the Top Rising Star of 2023 at the Fintech Frontiers Awards Malaysia. Direct Lending is also a recipient of a grant from Cradle Fund Sdn. Bhd., and was among the startups in the 2017 Global Accelerator Programme organized by the Malaysian Global Innovation & Creativity Centre (MaGIC).

Eligibility & Application Process

What are the eligibility criteria and documents required?

Our application process is simple and entirely digital, completed directly from your smartphone. The main requirements include:

Malaysian citizen aged 18–65.
An active phone number registered with WhatsApp.
Bank statements for the latest 3 months (optional, only required if requested by the system for profile verification).

What documents are required to apply?

Apart from your personal details, we only require these two documents:

IC photo (front and back)
Latest 3-month bank statements (your primary salary account) – You can refer here for a guide on how to download your bank statements online.

How long does application approval take, and what installment options are available?

We understand that your needs sometimes cannot wait. Therefore, we offer:

Fast Approval: Application decisions are processed within 15 to 30 minutes (operating hours: 9:00 AM – 6:00 PM, 7 days a week) once all complete documents are uploaded.
Flexible Plans: Choose a repayment period of 3, 6, 9 or 12 months to best fit your monthly budget. Available tenures are subject to credit assessment.

Do I need to sign the contract at the Direct Lending office?

No. The contract is signed digitally through the Lenda Pay app before you make your first payment and before the service is provided to you.

Are guarantors or collateral required?

No. This financing does not require any guarantors or collateral.

Financing, Rates & Repayment

What is the profit rate?

The profit rate is 1.5% per month, with no additional processing fees.

What is the Shariah concept applied?

This financing product is based on the Shariah concept of Commodity Murabahah via Tawarruq. This buy-and-sell contract is executed between you and Direct Lending, using specific, identified Shariah-compliant commodities as the underlying asset for the trade transaction to facilitate the disbursement of funds under the Facility.

How do I make my monthly repayments?

To ensure you never miss a payment deadline, Lenda Pay utilizes a secure Flexible Autodebit system. Monthly payments will be automatically deducted on your due date via your preferred payment method, whether using a Debit Card, Credit Card, or Touch 'n Go eWallet. Alternatively, you can also make manual payments anytime through the Lenda Pay app via online banking, e-wallet, or card.

Can I fully settle my financing before the end of the tenure?

Yes, by providing 1 week's notice. A rebate (Ibra') will be given based on the remaining deferred profit balance.