Bank & Koperasi Personal Loans

For civil servants. Enjoy competitive rates from 2.95% p.a. With approval as fast as 2 working days.

Apply Now

Licensed Money Lender Personal Loans

For salaried employees. No upfront payment or ATM card required. Approval as fast as 24 hours.

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Auto Service Financing

For car owners. Service your car now & pay later. Shariah-compliant financing up to RM5,000.

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SME Micro Financing

For business owners. Shariah-compliant or conventional financing up to RM200,000. For business owners. Approval as fast as 3 working days.

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Malaysia’s Loan Specialist

130,000+

successful loan eligibility checks

RM 300m

safe financing disbursed

2,000+

5-star reviews from our customers

How Direct Lending works?

1

Check Your Rate

2

Submit Documents

3

Verify Details & Accept Offer

4

Get Your Money

1

Check Your Rate

Find out if you qualify for a loan in a matter of a few minutes

2

Submit Documents

Upon successful qualification, submit your identity & income documents in the most convenient way of your choice.

3

Verify Details & Accept Offer

Receive a call from your chosen financier to verify your application details. Review and accept the financing terms

4

Get Your Money

Sit back & wait for that cash to roll into your bank account as fast 24 hours*

What our Happy Customers Say

You could be next

What’s new at Direct Lending

We are always eager to help improve your personal finance affairs.

March 25, 2024

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The Reference Rate Framework was introduced in 1983, where the Base Lending Rate (BLR) was used as the reference rate for retail floating-rate loans.
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March 21, 2024

12 Smarter Ways To Refinance Housing Loan

“Get money from home refinancing? How does that work?” Perhaps some of us are not aware that the homes we live in can actually bring us some extra cash.
March 20, 2024

3 Best Ways to Buy a New Car or Used Car: Cash, Hire Purchase & Personal Loan

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10 Financial Tips Every Working Adults in Malaysia Should Know

Recent statistics have shown that more than half of Malaysians admit to not having enough savings to survive on for longer than 3 months.
March 25, 2024

Impact of Base Rate (BR) & Revised Reference Rate Towards Your Loan

The Reference Rate Framework was introduced in 1983, where the Base Lending Rate (BLR) was used as the reference rate for retail floating-rate loans.
March 25, 2024

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The increasing consumers price in our country is not something new or unfamiliar, on the contrary, almost every year this issue arises.
March 21, 2024

12 Smarter Ways To Refinance Housing Loan

“Get money from home refinancing? How does that work?” Perhaps some of us are not aware that the homes we live in can actually bring us some extra cash.
March 4, 2024

10 Financial Tips Every Working Adults in Malaysia Should Know

Recent statistics have shown that more than half of Malaysians admit to not having enough savings to survive on for longer than 3 months.
December 29, 2023

How to Save Money From Salary Below RM3,000

There are many individuals who still struggle to save money from salary or earned income. In fact, many could not survive throughout the month and end up borrowing either from banks or family and friends.
October 17, 2022

50/30/20 Rule For Easy Financial Management That You Can Try

Based on research done for Keupayaan dan Rangkuman Kewangan 2018, there are still many Malaysian that have low confidence, especially in their financial planning.
March 25, 2024

Impact of Base Rate (BR) & Revised Reference Rate Towards Your Loan

The Reference Rate Framework was introduced in 1983, where the Base Lending Rate (BLR) was used as the reference rate for retail floating-rate loans.
March 25, 2024

5 Things to Watch Out for as a Loan Guarantor

The increasing consumers price in our country is not something new or unfamiliar, on the contrary, almost every year this issue arises.
March 20, 2024

What is Koperasi Loan & 7 Tips To Apply for Koperasi Loan

A personal loan is a type of credit facility offered by financial institutions to help fulfill your financial needs. In general, many borrowers apply for a personal loan based on various reasons such as settling overdue debts, tackling emergency needs, wedding costs, home renovation, and many more.
January 5, 2024

12 Steps to Achieve Your Financial Goals 2024

The past two years have been extremely challenging to many as we are still combating the spread of the COVID-19 virus.
December 29, 2023

How to Save Money From Salary Below RM3,000

There are many individuals who still struggle to save money from salary or earned income. In fact, many could not survive throughout the month and end up borrowing either from banks or family and friends.
December 29, 2023

7 Signs Your Man Is Financially Stable!

Based on The Sun Daily, divorce cases in Malaysia has drastically increase over the last few years since the pendemic. A failed family planning is one of the major trigger for a fight to brake between spouses which leads to miscommunication.
March 11, 2024

PolicyStreet Partners with Direct Lending, Debuts Embedded Microtakaful for Hari Raya

Direct Lending, an online personal lending marketplace, is launching #DIRECTBANTU+ to help ease the Rakyat’s financial burden during the recently announced full lockdown (FMCO).
April 26, 2022

Tri-partnership To Offer Education Financing to Malaysian Students Obtain Higher Education in Singapore

PSB Academy, Direct Lending, and Uni Enrol have partnered up to offer financial assistance to help Malaysian students to obtain higher education in Singapore under the Scholar Search PSB programme.
June 3, 2021

Direct Lending Announces #DIRECTBANTU+, A Collaborative CSR Program to Ease Malaysians’ Financial Burden During FMCO

Direct Lending, an online personal lending marketplace, is launching #DIRECTBANTU+ to help ease the Rakyat’s financial burden during the recently announced full lockdown (FMCO).
March 22, 2024

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March 20, 2024

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March 4, 2024

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Frequently Asked Questions

Who is Direct Lending?

Direct Lending started as a digital personal loan platform, enabling borrowers to find, apply and receive personal financing that best suits them in a safe and affordable manner. There are currently over 30 financing providers on its platform, from co-operatives, Bursa Malaysia listed companies, licensed moneylenders and credit communities.

With the vision to provide a seamless financing experience for every hardworking adult, Direct Lending launched its first point of sales financing solution in late March 2022, a Syariah compliant auto service financing which enables car owners to obtain financing at workshops to pay for their essential car repairs instantly. In December 2022, Direct Lending further expand the business by offering financing to micro SME businesses

Direct Lending is recognised as the Top Rising Star of The Year by Fintech Frontiers Award 2023. Direct Lending is a recipient of Cradle CIP300 funding in 2019.

Is it safe to borrow from Direct Lending?

Direct Lending only collaborates with licensed and legitimate koperasi, licensed moneylenders and credit communities. The application process is 100% free for our borrowers. Since incorporation in 2016, we have received over 2,700 5-stars review from our customers in our Google Business Page and Facebook.

Am I eligible to borrow?

For civil servant personal loan, you are eligible to borrow if you are currently:

  • A Malaysian citizen aged between 20 and 58 years old
  • Have a permanent job in the civil sector and with at least 6 months of service
  • Minimum gross monthly income of RM1,500

For private sector personal loan, you are eligible to borrow if you are currently:

  • A Malaysian citizen aged between 18 and 60 years old
  • Minimum gross monthly income of RM1,500 for Peninsular Malaysia and RM1,200 for Sabah & Sarawak
  • Have a permanent job with at least 3 months of service

For auto service financing, you are eligible to borrower if you are currently:

  • A Malaysian citizen aged 18 and above
  • Have sufficient income to meet the monthly repayment

No credit history or low credit score can apply. In all cases, you must not be declared bankrupt and can afford the loan repayment.
How can I contact Direct Lending?

You can:

  • Email us at support@directlending.com.my;
  • call us at +603 9212 4200 between 9.00am-6.00pm from Monday to Friday
  • chat with us through Direct Lending website
  • visit us at our office at Unit 22-3A, Oval Tower Damansara, 685 Jalan Damansara, 60000 Kuala Lumpur

We’d love to hear from you!