Why Use Direct Lending

Easy Sign Up

Only IC and bank statement

Quick Approval

Within 15 minutes (during working hours)


Pay up to 12 times monthly payments. No hidden fee


No credit or debit card required

Shariah Compliant Financing

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.

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      Frequently Asked Questions

      What is this Auto Service Financing about?

      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.

      What is the Shariah concept applicable for this financing?

      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.

      What are the documents required to apply for this financing?

      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

      Who is eligible for this financing?

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

      How long does it take for the financing to get approved?

      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.

      When can I get the car repair or service after my financing application has been approved?

      Once receiving the pre-approval, you could use the facility within 2 week.

      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).

      What are the profit rate involved?

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

      What is the range of the financing amount and tenure?

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

      Do I need to go to Direct Lending's office to sign the agreement?

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

      Do I need a guarantor or collateral?

      The facility does not require any guarantor or collateral.

      How will the financing be disbursed?

      Direct Lending will disburse the financing directly to the workshop within 3 days after the signing of the financing agreement. In the event the financing amount is insufficient to cover your entire service bill, you are required to pay the balance of payment to the workshop directly prior to collection of your car.

      How do I pay the monthly payment plan?

      Prior to 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 payment due dates as stated in the financing agreement.

      What happens if I am late at my payments?

      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.

      What if I fully settle the financing before its maturity?

      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 may be granted to you.

      I'm a workshop owner and interested to offer this financing to my customer, what should I do?

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

      Who is Direct Lending?

      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 Local Government Development (KPKT).

      Direct Lending is recognised as Top Rising Star of the Year in Fintech Frontiers Award 2023. 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 DirectCare Financing Terms and Conditions
      Click here for DirectCare 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 RM89.5 per month.