Medical Treatment Instalment Plan

Direct Lending's Medical Treatment Financing (Treatment Now, Pay Later) is an unsecured, Shariah-compliant financing facility, now available through the Lenda Pay by Direct Lending app. It is only for medical purposes. The approved amount goes directly to the panel healthcare provider where you receive treatment. The profit rate is fixed, so your monthly instalment stays the same throughout the tenure you choose. You can pay for your treatment in monthly instalments for up to 12 months, so you can focus on your health and recovery.

Applications are now made through the Lenda Pay app only:

1. Download & Register: Download Lenda Pay by Direct Lending from the App Store or Google Play. Register with a WhatsApp-active phone number.
2. Get Credit Limit: Fill in your details and upload your NRIC (front and back) and latest 3 months' bank statements to receive your credit limit.
3. Get Treated & Sign: Receive treatment at a panel clinic, hospital, or pharmacy. Confirm your payment plan and sign the agreement directly in the app.

Besides your basic personal details, you only need to upload two documents in the Lenda Pay app:

• Photos of NRIC (front and back)
• Bank statements from the past 3 months (the main account that receives your salary or income) here

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.

Malaysians aged 18 to 65 with a bank account and a phone number that is active on WhatsApp. A credit card is not required.

Applications are processed within 15 to 30 minutes after all documents are uploaded in the app. Operating hours are 9:00 AM to 6:00 PM, 7 days a week.

Once your credit limit is approved in the Lenda Pay app, you can use it for treatment at any of our panel healthcare providers. Knowing your limit early helps you plan ahead and book your appointment.

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

From RM300 to RM10,000, with tenures of 3, 6, 9 or 12 months, subject to credit assessment.

No. You sign the agreement digitally in the Lenda Pay app before you make your first payment.

The facility does not require any guarantor or collateral.

Direct Lending will pay the healthcare provider directly within 1–2 working days after you sign the agreement in the Lenda Pay app. If the financing doesn't cover your whole bill, please pay the balance to the provider before treatment.

Monthly payments are deducted automatically on each due date using your chosen method in the Lenda Pay app: debit card, credit card or Touch 'n Go eWallet. You can also pay manually in the app.

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 may 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 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.