Auto Service Financing

Service Car Now, Pay Later

Shariah compliant financing with a period of 3 to 12 times monthly payment up to RM5,000.

Auto Service Financing

Service Your Car Now, Pay Later

Shariah compliant financing with a period of 3 to 12 times monthly payment up to RM5,000.

In collaboration with:

Automotive Platform

Shariah Advisor

Automotive Platform

Shariah Advisor

Solution For Car Owners To Get On Road Safely With Ease

  • Enjoy driving on the road without the worry of any unexpected car repair bills
  • Repair car, paylater. Split the cost up from 3 to 12 fixed monthly repayments
  • Over 500+ car workshops are currently offering this car service instalment 

Why Use Direct Lending?


Only IC and bank statement


Within 15 minutes*

*based on participating workshop’s operating hours


Pay up to 12 times monthly payments. No hidden fee


No credit or debit card required

*based on participating workshop’s operating hours

Payment Calculator

Only 3 Steps To Apply


    Fill in your details


    Only identification card and 3 months bank statement


    Make first payment, set the monthly payment and sign the financing agreement

Shariah Compliant Financing

(click to enlarge)

This is a shariah compliant financing facility fully endorsed by Amanie Advisors, a leading global Islamic Finance Advisory firm led by the renowned Shariah scholar Tan Sri Dr. Mohd Daud Abu Bakar. The facility is based on the shariah concept of Commodity Murabahah via Tawarruq.

      Want your favourite workshop to offer this facility?

      Customer Testimonials

      FAQ Auto Service Financing

      Direct Lending’s auto service financing (Service Car Now, Pay Later) is an unsecured financing facility and is Shariah compliant. It is solely for auto service purposes as the approved amount will be disbursed to the workshop partner where you service the vehicle, providing services under Direct Lending’s designated service platform partner. The facility is calculated based on a fixed profit rate resulting in fixed instalment throughout the selected tenor. Now you can pay instalment to repair your car and extend payment up to 12 months. 

      The facility is based on the Shariah concept of Commodity Murabahah via Tawarruq. This a buy and sell contract between Direct Lending and you, under a specific Shariah compliant commodity will be identified and used as the underlying asset for the sale and purchase transaction between customer and Direct Lending for the purpose of disbursing the funds under the Facility.

      Other than filling in basic personal details, we only require the following two documents:

      • Photos of NRIC (front and back)
      • Bank statement in the past 3 months (main account that receives income such as salary) – find out how to download bank statements here.

      It is open to Malaysian nationals aged between 18 – 65 years old. You must have a bank account. A credit card is NOT mandatory.

      It takes seconds to know your prequalified results based on the credit profile and you will know final approval results and maximum amount as fast as 15 minutes (during working hours) after submitting the complete documentation.

      Once receiving the pre-approval, you could use the facility within 1 month.

      Understanding how much you need to pay through instalment to service your car; you can start planning and book an appointment or visit any workshop that participates in the program.

      You can also apply at the workshop after finding out you may need more funding for the car repair, we will provide pre-approved results as fast as 15 minutes (during working hours)

      The profit rate is 1.5% per month. There is no processing fee involved in this financing.

      The range of the financing amount is from RM300 (minimum) to RM5000 (maximum). Financing period from 3 to 12 monthly payments

      No, it will be done digitally through your mobile phone after the service is completed and when you decided to use the pre-approved facility.

      The facility does not require any guarantor or collateral.

      The financier will disburse directly to the workshop within 3 days after the agreement being signed to pay for your car service bill.

      After signing the financing agreement on Direct Lending’s platform, you will set up the eMandate to allow auto-debit from your bank account from a licensed financial institution in Malaysia. The monthly payment plan will be deducted from this account on the same day (as the agreement is signed) of in the following months throughout the financing tenure.

      If you fail to make any monthly instalments or pay any other amount payable when due, you shall pay the late payment charge of 8% per annum (consists of a compensation / Ta’widh (1%) and a penalty / Gharamah (7%) that will be channeled to charitable bodies). The late payment charge will not be compounded.

      You can make an early settlement before the expiry of the Instalment tenure, by giving 1-week prior written notice to Direct Lending. A rebate for early settlement on the remaining deferred profit will be granted to you.

      Please fill up this simple form and we will be in contact with you within 1 working day.

      The financing will be offered by Direct Lending Sdn Bhd, an online personal financing platform in Malaysia that supports hardworking adults to access to safe and affordable financing. Direct Lending is a licensed moneylender registered under Ministry of Housing and Local Government (Kementerian Perumahan dan Kerajaan Tempatan).

      Direct Lending is a grant recipient from the Cradle Fund Sdn Bhd, and a graduate from the Malaysian Global Innovation & Creativity Centre’s (MaGIC) Global Accelerator Program.

      Click here for Direct Lending Auto Service Financing Terms and Conditions
      Click here for Direct Lending Auto Service Financing Product Disclosure Sheet

      *Subject to the terms and conditions. The financing amount ranges from RM300 (minimum) to RM5000 (maximum). Profit rate is 1.5% per month depending on customer’s credit profile. Financing period is from 3 to 12 monthly payments.  As an illustration, for financing RM500 with tenor of 6 months, profit rate of 1.5% monthly, the total monthly repayment is RM88 per month.