Founded in Dec 1996. JCL Credit Leasing Sdn Bhd is a licensed credit leasing company that has been in Malaysia for more than 10 years, with reliable office, website, social media presence and customer base. JCL provides unsecured lending services such as Personal Loan, Business Loan and Hire Purchase loan to customers, without any collateral.Your Savior Financial Help during Rainy Days. -Simple application procedures. -Cash will disbursed within 2 working days. Read more Show less
It is a personal loan that offers borrowing as low as RM500, up to RM50,000 at interest rates ranging from 12% p.a. (with collateral) to 18% p.a. (without collateral) for a period of maximum 5 years.
|interest rates||18% p.a. - 20% p.a.|
|interest rates not exceeding||18% p.a. (with collateral)|
|interest rates not exceeding||120% p.a. (without collateral)|
|minimum loan tenure||12 months or 1 year|
|maximum loan tenure||60 months or 5 years|
|minimum loan amount||RM 500|
|maximum loan amount||RM 50,000|
|Payment Table at 18% p.a.||Monthly Instalment (RM) by Tenure|
|Loan Amount (RM)||12||24||36||48||60|
|Applicants||Documents to prepare|
A copy of identity card (IC)
A copy of identity card (IC).
Loan Process Flow
The minimum loan amount is RM 500 while the maximum loan amount is RM 50,000.
The minimum loan tenure is 1 year, while the maximum loan tenure is 5 years.
No processing fee will be charged.
There is no penalty charge if you decide to settle your loan early.
No, only Malaysians can apply for a JCL personal loan.
You need to earn a minimum income of RM 1,000 in order to qualify for a JCL personal loan.
Yes, self-employed can apply.
You can apply if you are a government employee, whether in a permanent or contract role.