JCL Personal Loan

Get cash right when you need it! Enjoy higher margin of financing with 0% interest for the first month, longer borrowing period and super fast approval.

    • Financing up to RM50k
    • Up to 5 years tenure
    • Unsecured Loan
    • 1 days approval
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Apply online now for JCL Personal Loan

RinggitPlus will help you every step of the way.

By typing your contact information, you agree to our Terms of Use. We respect your privacy and are committed to handle your personal information safely and responsibly.

You've almost completed your application for JCL Personal Loan

To help you better we need to know a little bit more about your application.
Confirm your application

Oops. We can't seem to get a quote for you for a while there. Please click "Get Quote" again.

Your qualifications have not met the requirements of this policy. Don’t worry, you can still check other insurance policies

Please fill in all fields and enter a valid email

Thank you for applying with RinggitPlus!

We’ve sent you an email to help with your application.

Continue to JCL website

If you have any questions let us know at [email protected], we'd love to help!

Follow us to keep in touch and not miss out on offers and promotions.

Not the personal loan you're looking for? Did you know you can compare all the personal loan in Malaysia?

Interest rates

How much the bank charges you based on your loan amount & loan period

You BorrowLoan PeriodYour IncomeInterest Rate
RM500 - RM5000012 to 60 monthsmin. RM1200012 - 18% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
from 12% p.a. to 18% p.a. , depending on loan amount and period
Processing Fee
Stamp Duty
0.5% of the whole amount
Early Termination Fee
Late Penalty Fee
8% from current outstanding amount


Are you eligible for this personal loan?

Minimum annual income
Minimum age
18 years old
Maximum age
60 years old
Who can Apply
  • Malaysians
  • Klang Valley only

Frequently Asked Questions about JCL Personal Loan

Things you might want to know

What is this product about?

Obviously, 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.

On top of that, JCL Credit Leasing will waive your first month interest payment once your loan application is approved. It is not a typical personal loan product you can find in the market, which normally comes with strict lending requirements and varied underlying fees and charges. 

Chances are big for those disfavored by the mainstream lenders too as JCL Personal Loan provides simple and quick access to credit lifeline with FAST turnaround time.

How fast can I get my money?

Depending on your eligibility criteria and JCL Credit Leasing's underwriting requirements, your loan application can potentially be approved at least 1 day and disbursed in 5 working days.

Are there fees and charges I should be aware of?

Yes, there are. While JCL Personal Loan does not charge processing fee at the point of application, as well as exit fee for settling the loan before maturity, you need to pay Government Stamp Duty of 0.5% of the borrowed amount. 

A word of caution (you may want to pay extra attention on this one), you can be slapped with a steep late penalty fee of 8% p.a. of the outstanding amount should you missed your instalment payment - that is surefire going to hurt your wallet if you are not disciplined.

Who can apply and what are the requirements of this personal loan?

Any individuals in the Klang Valley with Malaysian identity card aged between 18 to 60 years can apply for this personal loan. It is so affordable that you only need to have a minimum monthly income of RM1,000 to qualify for borrowing. 

All you need to prepare is:

  • Original MyKad
  • Copy of latest 3-months salary slip
  • Copy of latest 3-months bank statement
  • Copy of latest EPF / BE form 
  • Utility bills (Electricity/Water/Maintenance/etc)

Can I trust this service?

JCL Credit Leasing 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. Google up if you're willing to give yourself a benefit of doubt.

Read More