Koperasi UKHWAH personal loan

Islamic financing

  • High outside payslip commitment eligible to apply
  • Financing rates are as low as 4.35%
  • For civil servants & statutory bodies
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Getting to know Koperasi UKHWAH

This cooperative personal loan is offered by Koperasi Ukhwah Malaysia Berhad (“Koperasi Ukhwah”). Ukhwah cooperative was established in 1998. Ukhwah cooperative activities include personal financing for government employees and statutory bodies, Ar-Rahnu, real estate, Ukhwah care and Ukhwah computer. Ukhwah cooperatives are registered under the Cooperatives Act 1993.

Special Loan Features

  • Financing amount up to RM200,000
  • Financing period from 1 to 10 years
  • Profit rate 4.99% fixed for loans with a term of 4-10 years, 4.35% for loans with a term of 1-3 years
  • Payout up to 89%
  • Repayment through Biro Angkasa
  • No guarantor or collateral
  • No upfront payment
  • Islamic financing
  • Financing covered by Takaful
  • Process 6-8 working days

Applicant Requirements

  • Malaysian citizens aged between 21 and 58 years
  • Government employees, statutory bodies or selected GLCs (except Army)
  • The position is permanent and has served for a minimum of 8 months
  • Fixed monthly income of minimum RM1,800 including fixed allowance
  • High outside payslip commitment is eligible to apply

Achieve your dreams today

Want to buy or renovate a home? Starting or expanding a business? Paying off student loans? Enjoy this low rate Islamic personal financing from Koperasi Ukhwah

Get the koperasi loan you need quickly, cheaply and safely so you can achieve your dreams or deal with unexpected problems. High outside payslip commitment is eligible to apply.

Direct Lending is an online personal loan platform that offers fast, easy, safe and affordable cooperative personal loans. 100% free.

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Our Promise

Applying for a loan can be stressful. We’re here to help.

You are Our Priority

We aim to best address your financing needs, only working with reputable banks and koperasi


Helping you from A-Z with our dedicated loan consultants. Know your rate instantly & receive your funds as fast as 2 working days*


Transparent rate with no hidden fees or upfront costs.


Our services are 100% free. We don’t take any upfront fees from you at any time.

What our Happy Customers Say

You could be next

Giran 66
14 March 2024
Good service I like
Nurul Farahanah Lisa Abdullah
14 March 2024
Direct lending terbaik. Proses cepat dan mudah👍
Nadia Ruslan
14 March 2024
Fast approval. Have credit companies registered under KPKT with Direct Lending. Tak pegang kad atm punyaaaa.. Payment back via bank transfer and auto debit. The process was so easy & smooth. Tq to Ms Dee for being very helpful during the process. Definitely not AHLONG.
ramli ali
14 March 2024
Terbaik..cepat dan selamat
Izz zara
14 March 2024
Alhamdulillah...semua urusan dipermudahkan..Direct lending mmg terbaik..kelulusan pn cepat..staf pun memberi layanan yg baik..Untuk sesiapa yang tak lepas nk overlape bank boleh apply di direct lending...terima kasih atas kerjasama yang diberikan.
idris charlie
13 March 2024
Terima kasih cik Dee, Allhamduillah syukur kepada Allah SWT, memudahkan urusan selama berurusan dengan cik Dee... Terima kasih cik Dee dapat meringankan beban kami sekeluarga, Alhamdulillah.....Moga Allah permudahkan segala urusan rezeki cik Dee dan dimurahkan rezeki, Direct Lending (cik Dee)amat saya percayai kedua kali sudah, Alhamdulillah
Zuhairi Ibrahim
13 March 2024
Sangat berpuas hati