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

Compare Personal Loans by JCL Malaysia

About the loan




interest rates 12% p.a. - 18% p.a.
interest rates not exceeding 12% p.a. (with collateral)
interest rates not exceeding 18% 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
  • ZERO processing fee
  • ZERO early settlement penalty
  • ZERO interest for 1st month (only for your 1st loan with JCL)
  • fast loan disbursements, up to 2 working days
  • fast approval duration, up to 1 working day
  • flexible credit check
  • no hidden charge


  • minimum monthly income - RM 1,000
  • minimum age - 18 years old
  • maximum age - 60 years old
  • citizenship - Malaysian only
  • area of residence - Selangor, Kuala Lumpur, Klang, Penang & Negeri Sembilan
Fees and Charges
  • processing fee - no charge
  • early settlement penalty - no charge
  • late payment fee - 8% p.a. on the outstanding amount
  • stamp duty - 0.5% on the disbursement amount
Payment Table at 18% p.a. Monthly Instalment (RM) by Tenure
Loan Amount (RM) 12 24 36 48 60
1,000 98.35 56.65 42.80 35.85 31.65
3,000 295.00 170.00 128.35 107.50 95.00
5,000 491.65 293.35 213.90 179.15 158.35
10,000 983.35 566.65 427.80 358.35 316.65
20,000 1966.70 1,133.35 855.60 716.70 633.35

Required Documents

Documents to prepare


  • photocopy of MyKad (both sides)
  • latest 3 months' salary slip or pay slip
  • latest 3 months' bank statement
  • latest EPF or Tax Declaration Form (BE Form)
  • utility bills - proof of address (electricity or water bills)

any other documents where necessary

Loan Process Flow

  1. Application - Apply online from our website. Get your supporting documents ready. Receive a call from one of our Customer Hero, who will guide you through the rest of the application process.
  2. Approval - Your application will be reviewed by a credit analyst from JCL. You'll receive updates on your mobile phone.
  3. Disbursal - Come to a JCL office branch near you to sign the agreement and check your bank account.

[last updated: 25 Nov 2019]

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.

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.

You can apply if you are a government employee, whether in a permanent or contract role.