A smarter way to borrow

Fast . Simple . Safe

Bank & Koperasi Personal Loan

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

Licensed Moneylender Personal Loan

For salaried workers. No upfront payment or ATM card required. Approval as fast as 24 hours

Car Repair
Instalment Plan

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

Personal Loan Platform
Fast . Simple . Safe

Bank & Koperasi Loan For Civil Servants

Rates from as low as 2.31% p.a. or as fast as 2 working days

Personal Loan For Private Sector Workers

No upfront payment. No ATM card required. As fast as 24 hours 

 direct bantu plus white

Direct Lending launches DirectBantu+ as an initiative to ease hardworking Malaysians’ financial burden with extra financial resources during this FMCO. Direct Lending is offering an opportunity to support both loan borrowers & hardworking individuals with special cash rebate & income opportunities through this DirectBantu+ campaign.

Apply & receive fast, simple & safe financing with special cash rebate

Earn extra income from our partners & collaborators

Best Personal Loan Malaysia

Fast & 100% safe, made just for you

  • Find out if you qualify for best personal loan in minutes and start to make your plans happen today
  • Get tips on money management and how to navigate everyday personal finance issues in our blog
  • Obtain your personal loans with no stress from our established and reputable financing partners
  • Find out more about the personal loan products on our platform – tailored for both private sector and civil servants in Malaysia.
  • Check your personal loan affordability with our FREE Personal Loan Calculator and Debt Consolidation Calculator.

Why Use Direct Lending?


Know your rate instantly. Get your funds in as fast as 2 working days*


Find and apply the best loan to suit your needs. Anytime and anywhere


Work with reputable partners SSL data encryption to protect your data


Our services are 100% free. We don't take any upfront fees from you at any time

How Direct Lending Works?

An easy and stress-free online personal loan application process


    It takes just a few minutes to fill out our online application form to find out instantly if you qualify. You do not need to submit any personal documents for this. It is completely safe and secure.


    If you qualify, provide us with your necessary identity and income documents to complete the personal loan application. There are many ways you can submit your documents to us. Pick the one that is most convenient for you.


    Review and sign personal loan agreement. The provider of the financing that you have chosen will call you to verify your application details.


    Your money is deposited into your bank account as fast as 24 hours*


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Frequently Asked Questions

Who is Direct Lending?

Direct Lending is an online personal loan platform that aims to provide a better borrowing experience to consumers in Malaysia – fast, simple, safe and affordable.

We are an authorised marketing representative for the civil servant Syariah compliant personal financing (Koperasi Loan) facilities originated by RCE Marketing Sdn Bhd (a subsidiary of the Bursa Malaysia listed company, RCE Capital Berhad) through Yayasan Ihsan Rakyat and Yayasan Dewan Perniagaan Melayu Perlis Berhad. In addition, we also offer civil servant personal financing from Co-opbank Pertama, Public Islamic Bank, Koperasi KOBETA, Koperasi KOPUTRI, Koperasi Ukhwah and other selected co-operatives in Malaysia.

We also collaborated with more than 15 licensed moneylenders and credit communities registered under Kementerian Perumahan dan Kerajaan Tempatan (KPKT) in offering safe personal loan to private sector workers. 

Direct Lending recently launched our Syariah compliant auto service financing which enable car owners to obtain financing to pay for their essential car repairs at workshop. 

Direct Lending is a recipient of Cradle CIP300 funding in 2019 and graduated from Malaysian Global Innovation & Creativity Centre’s (MaGIC) Global Accelerator Programme in 2017

Stay tuned as we work to introduce other great products and services. 

How much can I borrow?
How do I repay the loan?

For civil servant personal loan, depending on the financing provider, you can borrow up to RM250,000 with flexible loan terms of between 1 and 10 years. Your loan is repaid on a monthly basis via non-discretionary salary deductions processed by either the Accountant General’s Department or the Angkatan Koperasi Kebangsaan Malaysia Berhad (Angkasa).

For private sector personal loan, you can borrow up to RM20,000 with loan terms between 1 and 4 years. You can repay your loan on a monthly basis via Interbank GIRO (IBG), cash deposit, cheque deposit, or MEPS ATM fund transfer.

For auto service financing, we provide a 3 and 6 times monthly instalment for up to RM5,000.

Your maximum financing amount is determined by your personal background, credit profile, current financial situation and commitment.

Do I need to make an upfront payment in order to apply for a personal loan?

No, we never take or request for any money from our customers at any time. We earn our income through commission granted directly by the financier when your loan is approved and disbursed.

Is it safe?

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 1,000 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 long is the personal loan application process?

It takes just a few minutes to fill out the online application form and you will find out instantly whether you qualify for the financing. If you like what you see, you can continue with the application process. Our application process is 100% free.

Once we receive your complete documentation, depending on the financing package that you have applied for, you could receive the financing as fast as 24 hours.

What is the personal loan rate?

For civil servant personal financing, the rates start from 2.31% per annum depending on the financing providers selected.

For licensed moneylender and credit community personal loan, the interest rate is not more than 1.5% per month for unsecured financing as stipulated under the Moneylenders Act 1951.

For the auto service financing, profit rate is from 0.8% to 1.5% per month depending on customer’s credit profile. As an illustration, for financing RM500 with 6 instalments, the total repayment is RM530.40 or RM88.40 per month.

Need more answers about personal loan? Check out our FAQs

What’s new at Direct Lending

We are always eager to help you to improve your personal finance affairs. Enjoy a higher quality of life when your financial matters are in order. Get the latest and follow us for more.

* Subject to terms and conditions of the financing providers