How We Help
Cover What Matters Most, Right Away
When unexpected expenses pop up, whether it's a car breakdown, insurance renewal, or medical emergency, Lenda Pay has you covered. We pay upfront so you can spread the cost into manageable monthly installments, stress-free.
Unexpected Car Repairs
Expiring Takaful / Insurance Policy
Sudden Medical Expenses
Car Repairs & Maintenance
Your vehicle keeps your daily life moving. When sudden repairs or service bills hit, we pay the mechanic upfront so you can get back on the road safely.
Takaful/Insurance Renewals
Don't let your coverage lapse. Lenda Pay finances your renewal upfront so you and your family stay protected without interruption.
Medical & Healthcare Bills
Health emergencies won’t wait on your bank balance. We handle the medical fees upfront so you can focus entirely on recovery.
Calculator
Calculate first before you apply.
Not sure yet? No worries. You can check first before you decide.
Simple Process
Get Started in 3 Easy Steps
Get Your Credit Limit
Download the Lenda Pay app and complete a quick application to unlock your approved limit.
We Pay Upfront
Once approved, we settle the full amount directly with our merchant partner on your behalf.
Pay Back Later
Enjoy your service immediately and repay in comfortable monthly installments that fit your budget.
Customer Reviews
Trusted by Thousands Across Malaysia
FAQ
Frequently Asked Questions
About Lenda Pay
What is Lenda Pay?
Lenda Pay is a 100% Shariah-compliant 'Buy Now, Pay Later' (BNPL) digital payment solution brought to you by Direct Lending. This app is designed to help you manage your cash flow during emergencies by splitting the cost of essential expenses into flexible monthly installment plans, without requiring a credit card.
How can I download Lenda Pay?
Apple and Android users can download the Lenda Pay app through the App Store and Google Play Store, or you can download it directly here.
What can I pay for using this app?
We focus on financing critical everyday needs. You can use Lenda Pay across our partner network for the following categories:
- Automotive: Routine servicing, tyre changes or vehicle repairs at our panel workshops.
- Vehicle Takaful: Renewal of your car or motor takaful and road tax.
- Health & Medical: General medical treatments and dental care at our panel clinics or pharmacies.
Who is Direct Lending?
Lenda Pay is launched by Direct Lending. Financing through Lenda Pay is offered by Direct Lending Sdn. Bhd., a personal financing platform that provides safe and affordable financing for hardworking individuals in Malaysia. Direct Lending is a licensed Community Credit Company regulated by the Ministry of Housing and Local Government (KPKT).
Direct Lending was awarded the Top Rising Star of 2023 at the Fintech Frontiers Awards Malaysia. Direct Lending is also a recipient of a grant from Cradle Fund Sdn. Bhd., and was among the startups in the 2017 Global Accelerator Programme organized by the Malaysian Global Innovation & Creativity Centre (MaGIC).
Eligibility & Application Process
What are the eligibility criteria and documents required?
Our application process is simple and entirely digital, completed directly from your smartphone. The main requirements include:
- Malaysian citizen aged 18–65.
- An active phone number registered with WhatsApp.
- Bank statements for the latest 3 months (optional, only required if requested by the system for profile verification).
What documents are required to apply?
Apart from your personal details, we only require these two documents:
- IC photo (front and back)
- Latest 3-month bank statements (your primary salary account) – You can refer here for a guide on how to download your bank statements online.
How long does application approval take, and what installment options are available?
We understand that your needs sometimes cannot wait. Therefore, we offer:
- Fast Approval: Application decisions are processed within 15 to 30 minutes (operating hours: 9:00 AM – 6:00 PM, 7 days a week) once all complete documents are uploaded.
- Flexible Plans: Choose a repayment period of 3, 6, 9 or 12 months to best fit your monthly budget. Available tenures are subject to credit assessment.
Do I need to sign the contract at the Direct Lending office?
No. The contract is signed digitally through the Lenda Pay app before you make your first payment and before the service is provided to you.
Are guarantors or collateral required?
No. This financing does not require any guarantors or collateral.
Financing, Rates & Repayment
What is the profit rate?
The profit rate is 1.5% per month, with no additional processing fees.
What is the Shariah concept applied?
This financing product is based on the Shariah concept of Commodity Murabahah via Tawarruq. This buy-and-sell contract is executed between you and Direct Lending, using specific, identified Shariah-compliant commodities as the underlying asset for the trade transaction to facilitate the disbursement of funds under the Facility.
How do I make my monthly repayments?
To ensure you never miss a payment deadline, Lenda Pay utilizes a secure Flexible Autodebit system. Monthly payments will be automatically deducted on your due date via your preferred payment method, whether using a Debit Card, Credit Card, or Touch 'n Go eWallet. Alternatively, you can also make manual payments anytime through the Lenda Pay app via online banking, e-wallet, or card.
Can I fully settle my financing before the end of the tenure?
Yes, by providing 1 week's notice. A rebate (Ibra') will be given based on the remaining deferred profit balance.
Merchant Partnership
I want to become a merchant with Lenda Pay. How can I register as a Lenda Pay Partner Merchant?
You can register here, and the Direct Lending team will contact you within 1 working day.
