Why use Direct Lending?

FAST

Know your rate instantly.
Get your funds in as fast
as 2 working days**

SIMPLE

Find and apply the best loan suit your needs, anytime, anywhere

SAFE

Authorised marketing agent for reputable bank & koperasi loan in Malaysia

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FREE

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

Eligibility

  • A Malaysian citizen aged between 20 and 58 years old
  • Civil servants under Federal, State and selected Government Agencies or employees of selected GLCs
  • Have a permanent job with at least 6 months of service in the public sector
  • Minimum gross monthly income (including fixed allowances) of RM1,500
  • High loan commitment, CCRIS/CTOS can apply (for selected koperasi loan)

Financing available on our platform

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Rate from as low as 3.99%

High payout. For civil servants under Federal Government only. About 2 weeks process
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Rate from as low as 4.90%

High payout. Civil servants under Federal, State and Governemnt agencies can apply. 1-2 weeks process
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As fast as 2 working days

High commitment, CCRIS/CTOS can apply
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Rate only 5.50%, payout until 95%

High commitment, CCRIS/CTOS can apply. 1-2 weeks process

Special Cash Rebate from Direct Lending

For RCE Yayasan loan only

  • RM1,500 (new!) cash rebate when you borrow from RM40,000 and above
  • RM500 RM1,000 cash rebate when you borrow from RM30,000 to RM39,900
  • RM500 RM700 cash rebate when you borrow from RM20,000 to RM29,900
  • RM250 RM500 cash rebate when you borrow from RM15,000 to RM19,900
RM250 RM300 cash rebate when you borrow from RM10,000 to RM14,9000 RM100 RM150 cash rebate when you borrow from RM5,000 to RM9,900

Client Testimonial

Our customer review’s on our Google Business Page

Md Zaidi

"Good & friendly service. Thank you Direct Lending"

Mohd Khaidir

"The service was excelent and fast.. Mr Yik who handle my application very helpful, profesional and friendly... and i get my loan in juz a week! Thank you."

Amin Kamarun Zaman

"A very smooth and efficient experience. I was truly doubtful at first because of some loan-shark scheme running rampant these days. Luckily I checked the website and was convinced enough by the professionalism of the website. Very helpful officers whom will guide you through each steps of the process.."

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Send your application quickly & securely

  • Submitting your application is easy and stress-free - if you need help, we are always at your side
  • We work hard to make sure your information is safe. All data exchanged with Direct Lending uses 128-bit encryption
  • Direct Lending Malaysia is a platform for getting established bank and co-orperative loans such as Public Bank-MCCM, RCE Yayasan, Koperasi KOPUTRI which has provided many personal loans to public servant borrowers

Media coverage

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Experience now a better way to borrow

GET YOUR RATE NOW

*Terms and conditions apply. Cash rebate is payable by Direct Lending only upon approval and disbursement of the financing. The financing profit rates range from minimum 3.99% p.a. to maximum 9.99% p.a. Tenor of the financing offered is between 1 and 10 year. As a representative illustration, for a RM10,000 amount borrowed for 10-year at an annual profit rate of 3.99% p.a., the total amount payable at the end of the tenor is RM13,990.

** 2 working days turnaround time is measured from the point when RCE receives all the relevant documents from you to the point where funds are deposited into your bank account. 2 working days turnaround time is only possible, but NOT guaranteed, if all the following conditions are met:

  • All documentation provided by you are satisfactory and complete with no additional documents or follow-ups required following the initial submission;
  • RCE must be able to contact you and your employer for the necessary verification within 24 hours from receiving your complete documentation and the verification must be successful; and
  • The bank account that you have requested to deposit the loan proceeds must be maintained with Maybank.

In all other circumstances, the turnaround time will take longer than 2 working days.