\nhide
\nbanner-left<\/p>\n
![\"car](\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2025\/05\/car-takaful-banner-image.png\")
\nfull
\ncontain
\ncenter center
\nhide
\nbanner-right<\/p>\n
Stay Covered with Easy Repayments<\/h3>\n
hide<\/p>\n
![\"\"](\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2025\/05\/car-takaful-benefit-icon-1.png\"){kind=icon}
<\/p>\n
Renew your vehicle takaful with ease and enjoy uninterrupted coverage.
\nhide<\/p>\n
![\"\"](\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2025\/05\/car-takaful-benefit-icon-2.png\"){kind=icon}
<\/p>\n
Renew now, pay later. Split the vehicle takaful payments from 3 to 12 fixed monthly repayments.
\nhide<\/p>\n
![\"\"](\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2025\/05\/car-takaful-benefit-icon-3.png\"){kind=icon}
<\/p>\n
No more worrying about high renewal costs.
\nhide<\/p>\n
As featured on<\/h4>\n![\"\"](\"\" "\\"\\"")
<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\nhide<\/p>\n
Why Use Direct Lending<\/h2>\n
center
\nhide<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/icon-thumbs-white.png\")
<\/p>\n
Easy Sign Up<\/h3>\n
Only IC and bank statement
\nhide<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/icon-clock-white.png\")
<\/p>\n
Quick Approval<\/h3>\n
Within 15 minutes (during working hours)
\nhide<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/icon-paper-white.png\")
<\/p>\n
Affordable<\/h3>\n
Pay up to 12 times monthly payments. No hidden fee
\nhide<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/10\/inclusive-white-icon.png\")
<\/p>\n
Inclusive<\/h3>\n
No credit or debit card required
\nhide<\/p>\n
Shariah Compliant Financing<\/h2>\n
hide<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/Shariah-Endorsement-Certificate_Direct-Lending.png\")
\nfull
\nhttps:\/\/www.directlending.com.my\/wp-content\/uploads\/2023\/06\/Shariah-Endorsement-Certificate_Direct-Lending.png
\ncontain
\ncenter center
\nhide<\/p>\n
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.
\nhide
\ninner-right<\/p>\n
Payment Calculator<\/h2>\n
hide
\ncalculator-iframe<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/img-spring-1.png\")
\nfull
\ncontain
\ncenter center
\nhide
\nimg1<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/img-spring-2.png\")
\nfull
\ncontain
\ncenter center
\nhide
\nimg2<\/p>\n
How to apply?<\/h3>\n
center
\nhide
\nbank-koperasi-how-title<\/p>\n
1<\/p>\n
Apply<\/h3>\n
Fill in your details<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/img-laptop.png\")
\nhide<\/p>\n
2<\/p>\n
Upload<\/h3>\n
Only identification card and 3 months bank statement<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/icon-card.png\")
\nhide<\/p>\n
3<\/p>\n
Check Out<\/h3>\n
Make first payment, set the monthly payment and sign the financing agreement<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/img-payment.png\")
\nhide<\/p>\n
What our Happy Customers Say<\/h2>\n
You could be next
\nhide<\/p>\n
<\/div>
\nhide<\/p>\n![\"\"](\"\/wp-content\/uploads\/2023\/06\/img-dart.png\")
\nfull
\ncontain
\ncenter center
\nhide
\nimg1<\/p>\n
![\"\"](\"\/wp-content\/uploads\/2023\/06\/img-target.png\")
\nfull
\ncontain
\ncenter center
\nhide
\nimg2<\/p>\n
Car Takaful Partners<\/h2>\n
center
\nhide<\/p>\n
As featured on<\/h4>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\nhide<\/p>\n
Frequently Asked Questions<\/h2>\n
hide<\/p>\n
What is this Car Takaful Instalment Plan about?
\nWhat is the Shariah concept applicable for this financing?
\nWhat are the documents required to apply for this financing?
\nWho is eligible for this financing?
\nHow long does it take for the financing to get approved?
\nWhen can I renew my car takaful after my instalment plan application has been approved?
\nWhat are the profit rate involved?
\nWhat is the range of the financing amount and tenure?
\nDo I need to go to Direct Lending’s office to sign the agreement?
\nDo I need a guarantor or collateral?
\nHow will the financing be disbursed?
\nHow do I pay the monthly payment plan?
\nWhat happens if I am late at my payments?
\nWhat if I fully settle the financing before its maturity?
\nI’m a car takaful provider and interested to offer this financing to my customer, what should I do?
\nWho is Direct Lending?
\nWhat is DirectCare+ Personal Accident (PA) Takaful?
\nDirect Lending\u2019s Car Takaful Instalment Plan (Renew Now, Pay Later) is an unsecured financing facility and is Shariah compliant. It is solely for car takaful renewal purposes as the approved amount will be disbursed directly to the car takaful provider where you renewed your takaful, provided that the car takaful provider is part of Direct Lending\u2019s designated car takaful provider 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 renew your car takaful and extend payment up to 12 months.
\nThe 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.
\nOther than filling in basic personal details, we only require the following two documents:<\/p>\n
Photos of NRIC (front and back)<\/p>\n
Bank statement in the past 3 months (main account that receives income such as salary) \u2013 find out how to download bank statements here<\/a><\/p>\nIt is open to Malaysian nationals aged between 18 \u2013 65 years old. You must have a bank account. A credit card is NOT mandatory.
\nIt 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.
\nOnce receiving the pre-approval, you could use the facility within 2 week.<\/p>\n
Understanding how much you need to pay through instalment to renew your takaful; you can start planning and get a quotation with any car takaful provider that participates in the program.<\/p>\n
You can also apply at the car takaful provider after finding out you may need more funding for the car takaful renewal, we will provide pre-approved results as fast as 15 minutes (during working hours).
\nThe profit rate is 1.5% per month. There is no processing fee involved in this financing.
\nThe range of the financing amount is from RM300 (minimum) to RM5000 (maximum). Financing period from 3 to 12 monthly payments.
\nNo, it will be done digitally through your mobile phone after the service is completed and when you decided to use the approved facility.
\nThe facility does not require any guarantor or collateral.
\nDirect Lending will disburse the financing directly to the car takaful provider within 3 days after the signing of the financing agreement. In the event the financing amount is insufficient to cover your entire car takaful quotation, you are required to pay the balance of payment to the car takaful provider directly prior getting the car takaful policy.
\nPrior 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.
\nIf 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\u2019widh (1%) and a penalty \/ Gharamah (7%) that will be channeled to charitable bodies). The late payment charge will not be compounded.
\nYou 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.
\nPlease fill up thisform<\/a> and we will be in contact with you within 1 working day.
\nThe 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).<\/p>\nDirect 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\u2019s (MaGIC) Global Accelerator Program.
\nA group personal accident takaful (\u201cDirectCare+ PA Takaful\u201d) that provides coverage for personal accidents and includes a financing protection feature for applicants who have successfully completed the checkout process of Direct Lending’s Car Takaful Instalment Plan.<\/p>\n
Click here<\/a> for more details.<\/p>\naccordion
\nhide
\nfaq-tab-content<\/p>\n
Click here<\/a> for DirectCare Financing Terms and ConditionsClick here<\/a> for DirectCare Product Disclosure SheetClick here<\/a> for DirectCare+ PA Takaful FAQ*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\u2019s 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.
\nhide<\/p>\n
hide<\/p>\n
Why Use Direct Lending<\/h2>\n
center
\nhide<\/p>\n
<\/p>\n
Easy Sign Up<\/h3>\n
Only IC and bank statement
\nhide<\/p>\n
<\/p>\n
Quick Approval<\/h3>\n
Within 15 minutes (during working hours)
\nhide<\/p>\n
<\/p>\n
Affordable<\/h3>\n
Pay up to 12 times monthly payments. No hidden fee
\nhide<\/p>\n
<\/p>\n
Inclusive<\/h3>\n
No credit or debit card required
\nhide<\/p>\n
Shariah Compliant Financing<\/h2>\n
hide<\/p>\n
\nfull
\nhttps:\/\/www.directlending.com.my\/wp-content\/uploads\/2023\/06\/Shariah-Endorsement-Certificate_Direct-Lending.png
\ncontain
\ncenter center
\nhide<\/p>\n
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.
\nhide
\ninner-right<\/p>\n
Payment Calculator<\/h2>\n
hide
\ncalculator-iframe<\/p>\n
\nfull
\ncontain
\ncenter center
\nhide
\nimg1<\/p>\n
\nfull
\ncontain
\ncenter center
\nhide
\nimg2<\/p>\n
How to apply?<\/h3>\n
center
\nhide
\nbank-koperasi-how-title<\/p>\n
1<\/p>\n
Apply<\/h3>\n
Fill in your details<\/p>\n
\nhide<\/p>\n
2<\/p>\n
Upload<\/h3>\n
Only identification card and 3 months bank statement<\/p>\n
\nhide<\/p>\n
3<\/p>\n
Check Out<\/h3>\n
Make first payment, set the monthly payment and sign the financing agreement<\/p>\n
\nhide<\/p>\n
What our Happy Customers Say<\/h2>\n
You could be next
\nhide<\/p>\n
\nhide<\/p>\n
\nfull
\ncontain
\ncenter center
\nhide
\nimg1<\/p>\n
\nfull
\ncontain
\ncenter center
\nhide
\nimg2<\/p>\n
Car Takaful Partners<\/h2>\n
center
\nhide<\/p>\n
As featured on<\/h4>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\n<\/div><\/div>\n\nhide<\/p>\n
Frequently Asked Questions<\/h2>\n
hide<\/p>\n
What is this Car Takaful Instalment Plan about?
\nWhat is the Shariah concept applicable for this financing?
\nWhat are the documents required to apply for this financing?
\nWho is eligible for this financing?
\nHow long does it take for the financing to get approved?
\nWhen can I renew my car takaful after my instalment plan application has been approved?
\nWhat are the profit rate involved?
\nWhat is the range of the financing amount and tenure?
\nDo I need to go to Direct Lending’s office to sign the agreement?
\nDo I need a guarantor or collateral?
\nHow will the financing be disbursed?
\nHow do I pay the monthly payment plan?
\nWhat happens if I am late at my payments?
\nWhat if I fully settle the financing before its maturity?
\nI’m a car takaful provider and interested to offer this financing to my customer, what should I do?
\nWho is Direct Lending?
\nWhat is DirectCare+ Personal Accident (PA) Takaful?
\nDirect Lending\u2019s Car Takaful Instalment Plan (Renew Now, Pay Later) is an unsecured financing facility and is Shariah compliant. It is solely for car takaful renewal purposes as the approved amount will be disbursed directly to the car takaful provider where you renewed your takaful, provided that the car takaful provider is part of Direct Lending\u2019s designated car takaful provider 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 renew your car takaful and extend payment up to 12 months.
\nThe 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.
\nOther than filling in basic personal details, we only require the following two documents:<\/p>\n
Photos of NRIC (front and back)<\/p>\n
Bank statement in the past 3 months (main account that receives income such as salary) \u2013 find out how to download bank statements here<\/a><\/p>\nIt is open to Malaysian nationals aged between 18 \u2013 65 years old. You must have a bank account. A credit card is NOT mandatory.
\nIt 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.
\nOnce receiving the pre-approval, you could use the facility within 2 week.<\/p>\n
Understanding how much you need to pay through instalment to renew your takaful; you can start planning and get a quotation with any car takaful provider that participates in the program.<\/p>\n
You can also apply at the car takaful provider after finding out you may need more funding for the car takaful renewal, we will provide pre-approved results as fast as 15 minutes (during working hours).
\nThe profit rate is 1.5% per month. There is no processing fee involved in this financing.
\nThe range of the financing amount is from RM300 (minimum) to RM5000 (maximum). Financing period from 3 to 12 monthly payments.
\nNo, it will be done digitally through your mobile phone after the service is completed and when you decided to use the approved facility.
\nThe facility does not require any guarantor or collateral.
\nDirect Lending will disburse the financing directly to the car takaful provider within 3 days after the signing of the financing agreement. In the event the financing amount is insufficient to cover your entire car takaful quotation, you are required to pay the balance of payment to the car takaful provider directly prior getting the car takaful policy.
\nPrior 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.
\nIf 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\u2019widh (1%) and a penalty \/ Gharamah (7%) that will be channeled to charitable bodies). The late payment charge will not be compounded.
\nYou 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.
\nPlease fill up thisform<\/a> and we will be in contact with you within 1 working day.
\nThe 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).<\/p>\nDirect 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\u2019s (MaGIC) Global Accelerator Program.
\nA group personal accident takaful (\u201cDirectCare+ PA Takaful\u201d) that provides coverage for personal accidents and includes a financing protection feature for applicants who have successfully completed the checkout process of Direct Lending’s Car Takaful Instalment Plan.<\/p>\n
Click here<\/a> for more details.<\/p>\naccordion
\nhide
\nfaq-tab-content<\/p>\n
Click here<\/a> for DirectCare Financing Terms and ConditionsClick here<\/a> for DirectCare Product Disclosure SheetClick here<\/a> for DirectCare+ PA Takaful FAQ*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\u2019s 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.
\nhide<\/p>\n
hide<\/p>\n
Frequently Asked Questions<\/h2>\n
hide<\/p>\n
What is this Car Takaful Instalment Plan about?
\nWhat is the Shariah concept applicable for this financing?
\nWhat are the documents required to apply for this financing?
\nWho is eligible for this financing?
\nHow long does it take for the financing to get approved?
\nWhen can I renew my car takaful after my instalment plan application has been approved?
\nWhat are the profit rate involved?
\nWhat is the range of the financing amount and tenure?
\nDo I need to go to Direct Lending’s office to sign the agreement?
\nDo I need a guarantor or collateral?
\nHow will the financing be disbursed?
\nHow do I pay the monthly payment plan?
\nWhat happens if I am late at my payments?
\nWhat if I fully settle the financing before its maturity?
\nI’m a car takaful provider and interested to offer this financing to my customer, what should I do?
\nWho is Direct Lending?
\nWhat is DirectCare+ Personal Accident (PA) Takaful?
\nDirect Lending\u2019s Car Takaful Instalment Plan (Renew Now, Pay Later) is an unsecured financing facility and is Shariah compliant. It is solely for car takaful renewal purposes as the approved amount will be disbursed directly to the car takaful provider where you renewed your takaful, provided that the car takaful provider is part of Direct Lending\u2019s designated car takaful provider 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 renew your car takaful and extend payment up to 12 months.
\nThe 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.
\nOther than filling in basic personal details, we only require the following two documents:<\/p>\n
Photos of NRIC (front and back)<\/p>\n
Bank statement in the past 3 months (main account that receives income such as salary) \u2013 find out how to download bank statements here<\/a><\/p>\n It is open to Malaysian nationals aged between 18 \u2013 65 years old. You must have a bank account. A credit card is NOT mandatory. Understanding how much you need to pay through instalment to renew your takaful; you can start planning and get a quotation with any car takaful provider that participates in the program.<\/p>\n You can also apply at the car takaful provider after finding out you may need more funding for the car takaful renewal, we will provide pre-approved results as fast as 15 minutes (during working hours). 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\u2019s (MaGIC) Global Accelerator Program. Click here<\/a> for more details.<\/p>\n accordion Click here<\/a> for DirectCare Financing Terms and ConditionsClick here<\/a> for DirectCare Product Disclosure SheetClick here<\/a> for DirectCare+ PA Takaful FAQ*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\u2019s 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.
\nIt 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.
\nOnce receiving the pre-approval, you could use the facility within 2 week.<\/p>\n
\nThe profit rate is 1.5% per month. There is no processing fee involved in this financing.
\nThe range of the financing amount is from RM300 (minimum) to RM5000 (maximum). Financing period from 3 to 12 monthly payments.
\nNo, it will be done digitally through your mobile phone after the service is completed and when you decided to use the approved facility.
\nThe facility does not require any guarantor or collateral.
\nDirect Lending will disburse the financing directly to the car takaful provider within 3 days after the signing of the financing agreement. In the event the financing amount is insufficient to cover your entire car takaful quotation, you are required to pay the balance of payment to the car takaful provider directly prior getting the car takaful policy.
\nPrior 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.
\nIf 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\u2019widh (1%) and a penalty \/ Gharamah (7%) that will be channeled to charitable bodies). The late payment charge will not be compounded.
\nYou 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.
\nPlease fill up thisform<\/a> and we will be in contact with you within 1 working day.
\nThe 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).<\/p>\n
\nA group personal accident takaful (\u201cDirectCare+ PA Takaful\u201d) that provides coverage for personal accidents and includes a financing protection feature for applicants who have successfully completed the checkout process of Direct Lending’s Car Takaful Instalment Plan.<\/p>\n
\nhide
\nfaq-tab-content<\/p>\n
\nhide<\/p>\n
![\"whatsapp-logo-png-2263\"](\"https:\/\/www.directlending.com.my\/wp-content\/uploads\/2024\/02\/whatsapp-logo-png-2263.png\"){kind=logo}