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.
|Loan Tenure||Interest Rate|
|Up to 5 years (12 to 60 months)||12% pa. to 18% p.a. depending upon the financing amount|
|Fee Type||Fees and Charges|
|Early termination fee||No fee charged|
|Stamp Duty||As per the Stamp Duty Act 1949 (Revised in 1989)|
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.