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Where can the customer apply for the loan?

The customer can walk in to our panel dealers or apply online.

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Can the customer apply for a device but it is not for own use?

Yes, they can, but only for certain people, e.g., family members.

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What is the minimum down payment for a hire purchase (HP)?

The minimum down payment for an HP is at least 10% of the cash price.

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Who can be the customer’s emergency contact person?

Parents. Siblings. Relatives. Spouse.

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For the self-employed, what documents are needed to apply?

The documents required for a credit sale loan application are: Identity card. 3 months of personal bank statements. 6 months of company bank statements. Full set of SSM certificates. Latest […]

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I am JCL’s existing customer. Can I apply for a credit sale?

Yes. (Terms and conditions apply.)

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Can I apply for two phones at the same time?

Yes. (Terms and conditions apply.)

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What should I do if I wish to cancel my application?

The customer may inform the dealer.

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How should I inquire for my status?

The customer may check with the dealer.

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Does JCL accept the Astro or TM bill in lieu of the water or electricity bill?

It is acceptable if the customer really could not provide the latest (original/online) water or electric bill; and even the telco bill is acceptable if the customer cannot provide the […]

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Do we still need to request for the customer to sign a DF?

If the customer signs the new version of the application form (AF), then the declaration form (DF) is not required. However, if the AF provided was not the latest version, […]

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Who is ineligible to apply for a loan?

Self-employed with a business period of less than one (1) year. Company employee with less than three (3) months of working period. Applicant or spouse that works in an army.

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