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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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Malaysia’s Loan Specialist

130,000+

successful loan eligibility checks

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RM 300m

safe financing disbursed

2,000+

5-star reviews from our customers

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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 our Happy Customers Say

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What’s new at Direct Lending

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

April 5, 2024
settle car loan
Published by Yik Seong on April 5, 2024
Categories

10 Best Ways To Pay Off Car Loan Faster

According to a survey done by Rakuten Insight in 2019, 61% of the Malaysia population owns a car. As of 2020 April, there were 31.2 million units of cars registered, while the Malaysia population is 31.9 million.
Yik SeongYik Seong April 5, 2024
April 5, 2024
car loan approve
Published by Q on April 5, 2024
Categories

6 Car Loan Approval Criteria In Malaysia

The term ‘car loan’ is a term that is familiar to most of us and it is very commonly talked as car is a necessary asset to have now. It is the best not to only rely on the public transport for our daily commute.
QQ April 5, 2024
April 4, 2024
monthly commitment
Published by Sera on April 4, 2024
Categories

10 Steps To Reduce Your Monthly Debt Commitment

A critical component of personal finance is avoiding debt build up. It is worth noting the current trend in bankruptcy cases in Malaysia, where one of the major causes of bankruptcy has been attributed to personal loans.
SeraSera April 4, 2024
April 5, 2024
settle car loan
Published by Yik Seong on April 5, 2024
Categories

10 Best Ways To Pay Off Car Loan Faster

According to a survey done by Rakuten Insight in 2019, 61% of the Malaysia population owns a car. As of 2020 April, there were 31.2 million units of cars registered, while the Malaysia population is 31.9 million.
Yik SeongYik Seong April 5, 2024
April 5, 2024
car loan approve
Published by Q on April 5, 2024
Categories

6 Car Loan Approval Criteria In Malaysia

The term ‘car loan’ is a term that is familiar to most of us and it is very commonly talked as car is a necessary asset to have now. It is the best not to only rely on the public transport for our daily commute.
QQ April 5, 2024
April 4, 2024
monthly commitment
Published by Sera on April 4, 2024
Categories

10 Steps To Reduce Your Monthly Debt Commitment

A critical component of personal finance is avoiding debt build up. It is worth noting the current trend in bankruptcy cases in Malaysia, where one of the major causes of bankruptcy has been attributed to personal loans.
SeraSera April 4, 2024
April 5, 2024
settle car loan
Published by Yik Seong on April 5, 2024
Categories

10 Best Ways To Pay Off Car Loan Faster

According to a survey done by Rakuten Insight in 2019, 61% of the Malaysia population owns a car. As of 2020 April, there were 31.2 million units of cars registered, while the Malaysia population is 31.9 million.
Yik SeongYik Seong April 5, 2024
April 5, 2024
car loan approve
Published by Q on April 5, 2024
Categories

6 Car Loan Approval Criteria In Malaysia

The term ‘car loan’ is a term that is familiar to most of us and it is very commonly talked as car is a necessary asset to have now. It is the best not to only rely on the public transport for our daily commute.
QQ April 5, 2024
April 4, 2024
monthly commitment
Published by Sera on April 4, 2024
Categories

10 Steps To Reduce Your Monthly Debt Commitment

A critical component of personal finance is avoiding debt build up. It is worth noting the current trend in bankruptcy cases in Malaysia, where one of the major causes of bankruptcy has been attributed to personal loans.
SeraSera April 4, 2024
March 4, 2024
10 Financial Tips Every Working Adults in Malaysia Should Know
Published by Sera on March 4, 2024
Categories

10 Financial Tips Every Working Adults in Malaysia Should Know

Recent statistics have shown that more than half of Malaysians admit to not having enough savings to survive on for longer than 3 months.
SeraSera March 4, 2024
December 29, 2023
How to Save Money From Salary Below RM3,000
Published by Sera on December 29, 2023
Categories

How to Save Money From Salary Below RM3,000

There are many individuals who still struggle to save money from salary or earned income. In fact, many could not survive throughout the month and end up borrowing either from banks or family and friends.
SeraSera December 29, 2023
October 17, 2022
Budget Salary With 50_30_20 Rule
Published by Mandy on October 17, 2022
Categories

50/30/20 Rule For Easy Financial Management That You Can Try

Based on research done for Keupayaan dan Rangkuman Kewangan 2018, there are still many Malaysian that have low confidence, especially in their financial planning.
MandyMandy October 17, 2022
April 1, 2024
What is Islamic Personal Loan & the Differences with Conventional Personal Loan
Published by Mandy on April 1, 2024
Categories

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
Categories

[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
March 27, 2024
What Happens to Your Debt When You Die
Published by Yik Seong on March 27, 2024
Categories

What Happens to Your Debt When You Die?

What happens to your debt when you die? As grim as it may sound, this is something that a loan borrower should give a serious thought.
Yik SeongYik Seong March 27, 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
December 29, 2023
How to Save Money From Salary Below RM3,000
Published by Sera on December 29, 2023
Categories

How to Save Money From Salary Below RM3,000

There are many individuals who still struggle to save money from salary or earned income. In fact, many could not survive throughout the month and end up borrowing either from banks or family and friends.
SeraSera December 29, 2023
December 29, 2023
7 Signs Your Man Financially Stable
Published by Q on December 29, 2023
Categories

7 Signs Your Man Is Financially Stable!

Based on The Sun Daily, divorce cases in Malaysia has drastically increase over the last few years since the pendemic. A failed family planning is one of the major trigger for a fight to brake between spouses which leads to miscommunication.
QQ December 29, 2023
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 3, 2021
direct bantu plus+
Published by Direct Lending on June 3, 2021
Categories

Direct Lending Announces #DIRECTBANTU+, A Collaborative CSR Program to Ease Malaysians’ Financial Burden During FMCO

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 June 3, 2021
April 5, 2024
settle car loan
Published by Yik Seong on April 5, 2024
Categories

10 Best Ways To Pay Off Car Loan Faster

According to a survey done by Rakuten Insight in 2019, 61% of the Malaysia population owns a car. As of 2020 April, there were 31.2 million units of cars registered, while the Malaysia population is 31.9 million.
Yik SeongYik Seong April 5, 2024
April 2, 2024
House Renovation Loan
Published by Yik Seong on April 2, 2024
Categories

House Renovation Loan: 3 Reason Why You Should Get It

Home improvement or home renovation is one of the most exciting endeavours house owners undertake on a periodic basis to beautify, remodel or expand their existing dwellings.
Yik SeongYik Seong April 2, 2024
March 22, 2024
Practical Ways to Earn Side Income
Published by Q on March 22, 2024
Categories

6 Practical Ways To Earn Side Income In Malaysia: Online & Offline

Looking at today’s economic pattern, many people are voicing out their concern and disappointment regarding their economic health; be it being underpaid, high living cost, high monthly commitments which all have the same underlying message: Not Enough Money!
QQ March 22, 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?

View FAQs