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.

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

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*

What our Happy Customers Say

You could be next

What’s new at Direct Lending

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

February 14, 2024

What Is a Personal Loan & The 5 Things You Should Know Before Applying

Personal loans are popular among individuals in Malaysia due to their wide availability.
February 8, 2024

[INFOGRAPHIC] How to Clear Name From CTOS and CCRIS Record

Many thought that with a bad CCRIS and CTOS record, they are unable to apply for financing as they are considered being ‘blacklisted’. So, some of you may want to settle this but unsure of how to clear name from CTOS and CCRIS record.
February 7, 2024

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.
February 8, 2024

[INFOGRAPHIC] How to Clear Name From CTOS and CCRIS Record

Many thought that with a bad CCRIS and CTOS record, they are unable to apply for financing as they are considered being ‘blacklisted’. So, some of you may want to settle this but unsure of how to clear name from CTOS and CCRIS record.
February 7, 2024

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.
February 5, 2024

Best Way to Buy Motorbike in Malaysia – Motorcycle Loan or Personal Loan?

Everyday, people are always out and about, be it for work or for pleasure. People always move and transport from places to places.
February 14, 2024

What Is a Personal Loan & The 5 Things You Should Know Before Applying

Personal loans are popular among individuals in Malaysia due to their wide availability.
February 8, 2024

[INFOGRAPHIC] How to Clear Name From CTOS and CCRIS Record

Many thought that with a bad CCRIS and CTOS record, they are unable to apply for financing as they are considered being ‘blacklisted’. So, some of you may want to settle this but unsure of how to clear name from CTOS and CCRIS record.
February 7, 2024

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.
December 29, 2023

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.
October 17, 2022

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.
September 23, 2022

Should You Rent or Buy House With a Salary Below RM3K in Malaysia?

“Should I rent or buy house?” is probably a question that gets pondered a lot by Malaysians, especially now that property prices have been consistently rising.
February 14, 2024

What Is a Personal Loan & The 5 Things You Should Know Before Applying

Personal loans are popular among individuals in Malaysia due to their wide availability.
February 6, 2024

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.
February 5, 2024

Is Licensed Moneylender Considered an ‘Ah Long’?

The recent case of loan sharks charging RM500 for every 30 minutes delay in repayment is not an exaggeration. This case happened to an insurance agent who borrowed RM3,000 and paid the full amount.
January 5, 2024

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.
December 29, 2023

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.
December 29, 2023

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.
April 26, 2022

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.
June 3, 2021

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).
July 15, 2020

Press release: SERV and Direct Lending, team up to provide financial relief to aftermarket businesses, rejuvenating the sector post-MCO

SERV and Direct Lending roll out financial relief for workshops under the SERV Retail-iation program, focusing on automotive aftermarket businesses.
February 5, 2024

Best Way to Buy Motorbike in Malaysia – Motorcycle Loan or Personal Loan?

Everyday, people are always out and about, be it for work or for pleasure. People always move and transport from places to places.
January 19, 2024

6 Koperasi Personal Loan for AKPK, CCRIS, CTOS And SAA Records

Did your personal loan get rejected because you have a negative CCRIS and CTOS record or you are currently listed under the AKPK programme?
January 19, 2024

5 Best Bank & Cooperative (Koperasi) Personal Loan for Government Servants in 2024

If you are a civil servant, you will most likely have the experience of receiving SMS or cold calls offering you personal loan financing, whether it is from the bank or koperasi.

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!