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Low income personal loan made fast & easy No upfront fees. No ATM card

Loan provided by JCL Credit Leasing

Better & safer way to borrow

Rejected by bank due to low income?

Achieve your dream or address your unexpected emergency needs today with a safe and affordable personal loan. Minimum income requirement of only RM1,000. Direct Lending, an online personal lending platform, in collaboration with JCL Credit Leasing, aim to provide you with a faster, simpler, safer and more affordable borrowing experience.

Benefits of JCL Personal Loan

JCL Credit Leasing Sdn Bhd (413411 -H), also known as Japan Credit Leasing, is a licensed lender registered under KPKT. JCL entered the Malaysian market in 2014 by providing personal loan, business loan and hire purchase.

Disbursement as fast as 2 days
No upfront payment & processing fee
Flat interest rate of 12% - 18% p.a
Loan amount up to RM50,000
No guarantor or collateral required
Flexible loan repayment

Image credit:JCL

Enjoy 0% interest free for 1st month!*

Who can apply?

  • Age 18 - 60 years
  • Malaysian citizen
  • Minimum monthly income of RM1,000
  • Working in KL, Putrajaya, Selangor, Negeri Sembilan or Penang

How it works

A fast and easy process

Fill up application form online
Contact by JCL for credit check & verification
Submit required documents and sign agreements

List of required documents

  • Original NRIC (MyKad)
  • Latest 3 months Salary Slips
  • Latest 3 months Bank Statement
  • Latest EPF or Tax declaration Form
  • Utility bill - Electricity, water, etc

Why use Direct Lending?


Get your cash
as fast as 2 days


Check your eligibility
anywhere anytime


Get your loan from a
trustworthy financier



No upfront fee.
Our services are 100% free

Client Testimonial

Our customer review's on our Google Business Page


"Thanks Direct Lending for providing fast, best service and very customer-friendly. Recommended for those who needed fast financial support"

Rozainie Zain

"Thank you Direct Lending give the best service...Thank you so much b’coz giving the best service and care about client..your service very good 👍🏻👍🏻👍🏻👍🏻👍🏻"

Puvana Nair

"I'm very glad to do loan with Kenneth from Direct Lending who guide me each and everything with very humble & patient... Very responsible person with his clients . He is doing this with good heart. I'm impress with his attitudes.."

You deserve a better borrowing experience

I'm interested!

* Terms & Conditions apply. The financing rates is from minimum 12% p.a. (flat rate) to 18% p.a. (flat rate) Tenor of the financing offered is between 1 and 5 years. As a representative illustration, for a RM10,000 amount borrowed for 1 year at an annual profit rate of 12% p.a., the total amount at the end of the tenure is RM11,200.