About Direct Lending ReferralPlus+ Programme
Direct Lending ReferralPlus+ programme is an ongoing programme that aims to help individuals earn extra income. As part of our DirectBantu+ initiative, we are increasing our referral reward to help Malaysians’ earn extra financial resources.
This is an opportunity for everyone who wants to earn extra income without any start-up costs involved. All you need to do is refer eligible civil servant to apply personal loan through Direct Lending platform.
As of August 2021, we have introduced a new and BETTER way to earn rewards from this referral programme.
Now, you can earn twice as much as compared to our previous scheme.
How To Join?
If you are Direct Lending's existing customer,
- Contact your dedicated loan consultant or call +60392124200 (Direct Lending’s office no.) to get your unique referral link.
- You can start referring Bank & Koperasi Personal Loan to your friends and family with your referral link.
- For every successful loans that you refer, you will earn commissions.
- The more friends your referee refers, the more earnings you get!
If you are new (non-customer),
We already have more than enough new agents for this programme, so currently we are not accepting any new applications. Thank you for your interest!

Earn side income without any fees and safely.
UNLIMITED CASH INCOME
EARN ANYTIME, ANYWHERE
FREE MARKETING MATERIALS
EASY TO REFER OVER SMARTPHONE
Get cash rewards up to RM6,000 by referring only 3 friends*
SUCCESSFUL REFERRAL
1
2
3
TOTAL CASH REWARD
RM500
RM2,200
RM6,000
*Based on Referralplus+ reward scheme
Multiply your earned commission and reward just by referring your friends who will refer their own friends.
Let them do the work for you!
With each referral, not only do you earn RM200 instantly, but each time your friend makes a successful referral (A > B), you can also earn RM150.
Better yet – when your friend’s friend refers more people (B > C), you will earn RM150 each time.
The larger your circle of friends, the more rewards you will earn from your 3 level of friends.

Terms & Conditions
- Open only for Malaysian citizens aged 21 years and above.
- All information received through Registration Form must be accurate and complete.
- The referrer will receive a referral link through WhatsApp.
- The referral is considered successful when the borrower is working in the government sector, and the bank / cooperative loan application has been approved and they have received the money in their bank account.
- Each referral can only be referred to by one Referrer (Customer A can only be referred to Referrer A once).
- Any falsification of the referral for ReferralPlus+, will result in immediate termination of the referrer.
- Any falsification of documents for a loan application by the referrer is strictly prohibited and Direct Lending or its financing partner is entitled to take legal action (i.e. reporting to the police) against the referrer and this will result in the termination of the referrer for ReferralPlus+.
- Once the referral is successful, the reward will be paid within 7 business days via online transaction to the referrer’s bank account. For verification purposes, we will request a copy of your IC & bank information. The referrer’s name must match the bank account holder.