Cash woes? A personal loan to the rescue!

    JCL Personal Loan

    Japan Credit Leasing (JCL) offers personal loans that come with a range of benefits such as competitive interest rates, convenient modes of repayment, a straightforward application process and quick approval among others.

    Interest Rates

    Loan Tenure Interest Rate
    Up to 5 years (12 to 60 months) 12% pa. to 18% p.a. depending upon the financing amount


    Interest Rate  Interest rate not exceeding:
    • 12% p.a. (with collateral)
    • 18% p.a. (without collateral)
    Minimum Monthly Income RM1,000
    Effective Interest Rate NA
    Minimum Loan Amount As per the bank’s discretion
    Maximum Loan Amount As per the bank’s discretion
    Loan Tenure NA
    Islamic/Conventional Conventional
    Debt Consolidation NO
    Takaful Coverage NA
    Approval Duration 2 days at the shortest
    Government Servant? NA


    • There’s no processing fee.
    • The interest rates for the personal loan scheme ranges from 12% p.a. to 18% p.a.
    • For any early settlement of the personal financing, there is no extra fee charged.
    • You can make the monthly instalment payments through a secured payment channel which is both risk- and hassle-free.
    • You can your loan approved within just 2 days. For the quick approval, you must have all the requested documents in order.

    Fees and Charges

    Stamp Duty As per the Stamp Act of 1949 (revised in 1989)
    Processing Fee No fees charged
    Effective Interest Rate NA
    Disbursement and Miscellaneous Fee NA
    Early Settlement Fees No fee charged
    Late Payment Charges NA

    Eligibility Criteria

    Age Requirement As per the Stamp Act of 1949 (revised in 1989)
    Processing Fee

    Minimum age: 18 years

    Maximum age: 60 years

    Type of Employment NA
    Income Requirement Minimum RM1,000 per month

    What Documents Do I Need to Prepare for JCL Personal Loan

    • MyKad (Original Malaysian Identity Card)
    • Salary or payslips for last 3 months
    • Bank statement or details for last 3 months
    • Latest EPF or Tax Declaration Form (BE Form)
    • Utility bill: Any one from electricity bill, water bill, telephone bill etc.
    • Address Confirmation Documents such as phone or internet bill, mail from banks or tenancy agreement etc.

    How to Apply for JCL Personal Loan?

    Offline application: You can visit to the company’s official centre and obtain the application form. You can submit the duly-filled application along with the required supporting documents.

    Online application: You can also apply online on JCL’s official website. You must fill in all the sections of the online application form and also upload the required supporting documents. Upon successful submission, a JCL representative will contact you to take the process forward..

    You could also send in your application form and supporting documents via fax at 03-2616-7888.


    Q. How do i get in touch with customer care?

    A. You can contact the customer care on 1800-222-JCL(525) during working hours to have any queries answered.

    Q. Can I apply for the personal financing with JCL if I have been already rejected by some other company/bank?

    A. JCL has a high approval rate due to its method of Original Multi-angle Analysis which is used for loan approvals. You can talk to the customer care officials in case you have any doubt regarding your eligibility to get the loan.

    Q. Is there any Early Settlement Fee involved if I choose to set-off my dues earlier than my tenure period?

    A. A customer does not have to pay any early settlement charges if he/she chooses the facility.

    Q. My annual income is RM10,000 and I am looking to obtain a personal loan. Can I get it under the JCL Personal Loan scheme?

    A. You need to have a monthly income of RM1,000 or annual income of RM12,000 to be eligible to obtain the personal financing. Please contact the bank to check eligibility for the product.

    Q. I am 58 years old? Am i eligible for the loan?

    A. Yes. Since you are under the age of 60 years a the time of application, you can apply for the loan and even choose the maximum available tenure of 5 years.

    This Page is BLOCKED as it is using Iframes.