There are five (5) types of payment channels:
- Cash deposit machine (CDM).
- Online banking.
- JomPAY payment.
- Bank counter (CIMB, Maybank).
- PayQuik kiosk.
- JomPAY Biller Code: 16667.
- Ref 1: JomPAY Case ID (customer’s unique identification number).
- Ref 2: MyKad number.
This is to recognize the payment into the system based on the account number.
- New loan: The first (1st) payment needs to be paid manually (refer to “How do I make payment to JCL?” above). For all subsequent payments, they will be deducted via auto-debit once approved by the bank.
- Existing loan: The auto-debit is not successful due to insufficient funds in the account.
Once the auto-debit fails on the initial due date, there will be another attempt to debit the payment after four (4) to five (5) working days.
Call Customer Care at 03-26167900 or send an email directly to inquiry@bpartnergroup.com
There are 2 types of facilities and they are:
- Mobile/Motorcycle/Electronic goods.
- Personal loans.
Call Customer Care at 03-26167900 or send an email directly to inquiry@bpartnergroup.com
Upon receipt of the email, we will forward the full/early settlement form to you. This form functions as a one (1) month’s written notice to us. We will advise you on the amount to be settled, upon receiving the said form via email.
Click here for the full/early settlement form.
Yes, you can. Our financial consultants will provide the necessary assistance.
Application (Consumer)
The interest rates are as follow:
- CS: 15% per annum (1.25% per month).
- HP: 9.96% per annum (0.83% per month).
Application (Dealer)
We are currently providing credit facility service to the products as stated below:
- Mobile phones.
- Electrical appliances.
- Motorcycles.
The documents required for a motor loan application are,
Company employee (with a basic salary):
- A copy of IC (front and back).
- Latest one (1) month of payslip.
- Latest utility bill of current residence.
- Bank proof for auto-debit.
Company employee (fully commissioned):
- A copy of IC (front and back).
- Latest six (6) months of payslips.
- Latest utility bill of current residence.
- Latest six (6) months of bank statements.
Self employed:
- A copy of IC (front and back).
- Latest SSM certificate copy.
- Latest six (6) months of bank statements (company).
- Latest three (3) months of bank statements (personal).
- Latest utility bill of current residence.
- Latest six (6) months of bank statements.
- Malaysian citizens only.
- Aged between 18 and 60 years old.
- Basic salary must be at least RM1,000.
- 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.
For mobile phones and electrical appliances: 12, 24, and 36 months.
For motorcycles: 12, 24, 36, 48, and 60 months.
Application (Consumer and Dealer)
JCL accepts new products only.
The customer needs to approach our one of our panel dealers in order to apply for a loan for their device.
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, then the DF is required.
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 Astro or TM bill. However, using the telco bill is the last option. (The telco bill must be under the customer’s name and original.)
The customer may check with the dealer.
The customer may inform the dealer.
Yes. (Terms and conditions apply.)
Yes. (Terms and conditions 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 utility bills.
- Tax declaration or receipt (if applicable).
- Parents.
- Siblings.
- Relatives.
- Spouse.
The minimum down payment for an HP is at least 10% of the cash price.
Yes, they can, but only for certain people, e.g., family members.
- Financial statements for 2018 and 2019.
- Bank statements for 6 months.
- Latest SSM certificate.
- Copy of identity card (IC) of all directors.
Customers working in the army will not be accepted.
As long as it is under the law of credit sales, it can be considered.
You may refer to our nearest branch and contact the BR number.
The customer can walk in to our panel dealers or apply online.
Payment (Consumer)
The first month is by JomPAY. Second month onward is by direct debit. For customers whose direct debit registration failed, they will have to pay via JomPAY.
Payment (Consumer and Dealer)
JCL will send an email to the customer consisting of information regarding the first payment and payment methods.
The customer can request for their statement by sending an email to cs@bpartnergroup.com. Kindly include information such as the full name, IC number, and purpose of email.
The late payment will be charged five percent (5%) per annum toward the amount in arrear.
You may send an email to cs@bpartnergroup.com. Kindly provide the necessary information such as your full name, IC number, and purpose of email.
Here’s where to pay by JomPAY:
- Online banking.
- ATM machine.
The customer can transfer their payment to the CIMB bank account. After that, the customer will need to send the receipt via email to cs@bpartnergroup.com and include the full name and IC number in the email.
The customer can pay by JomPAY or bank transfer.
Get the customer to email cs@bpartnergroup.com.
Only conventional banks (non-shariah-compliant) allow payments by JomPAY.
Yes, kindly drop your inquiries at jcl-collection@bpartnergroup.com or inquiry@bpartnergroup.com for assistance.
The customer can check via Whatsapp or email.
It is either on the 2nd or the 16th. The customer may refer to the email/WhatsApp sent by JCL.
Collaboration (Dealer)
Kindly refer to our list of branches and contact the regional representative for collaboration purposes.
We are currently expanding our business. We welcome all proposals and suggestions. Kindly contact our regional representative for further discussion.
Disbursement (Dealer)
Processing fees:
- Credit sales: RM50.
- Hire purchase: RM200.
Disbursement (Consumer)
It is 90 days after the CA approval date.
Autodebit (Consumer)
The customer will have to go to a JCL branch to sign the new direct debit registration form.
Application
For employees, we will need:
- A copy of identity card (IC).
- Latest 3 months of salary slips.
- Latest 3 months of bank statements.
- Latest EPF statement.
- Latest utility bill (water or electricity).
We will need at least three to five (3 – 5) working days to process, subject to receiving complete documents as we will need to call your office and emergency contact person for verification purposes.
*Processing time may be longer, depending on the verification process.
After three (3) payments of RM3,000 and below, and six (6) payments of RM3,000 and above. All payments must be prompt.
The applicant must be Malaysian, aged between 18 and 60, with a minimum of three (3) months of working period and a minimum basic salary of RM1,000.00.
JCL will send an SMS to your registered mobile phone number regarding your unsuccessful application.
The minimum loan tenure is one (1) year (12 months) and the maximum loan tenure is five (5) years (60 months).
We will call you for the loan offering process once all verification has been done.
As a professional licensed money lender, JCL will not hold the customer’s ATM card.
For self-employed applicants, we will need:
- A copy of identity card (IC).
- Latest 6 months of company’s bank statements.
- Latest 3 months of personal bank statements.
- Latest 6 months of invoices/receipts.
- A copy of the tenancy agreement of office (if available).
- Latest utility bill (water or electricity).
The loan amount will only be decided after you have submitted your application, as JCL will need to do checking and verification to determine the loan size that JCL could offer.
No, we only accept applications from Malaysians for the time being.
Yes, you may apply because JCL’s credit check is flexible. JCL always tries to check and find a good side of the applicant, and add points to the applicant’s status.
The loan amount offered by JCL is from RM1,000.00 to RM50,000.00. However, JCL will not offer a big amount for the first application as JCL will need to check your payment patterns.
The minimum amount of net salary needed is RM500.00.
No, you must work for at least 3 months with your current company or have the latest SSM certificate for more than 6 months.
You may walk-in directly to our nearest branch with complete documents.
Yes, you can try. We have our own guidelines for cases under AKPK.
Payment
No. The government service tax will not be imposed for this personal loan (facility).
No, JCL does not take any handling fees or charges.
The late payment charge is eight percent (8%) per annum (p.a.) on amount in arrears, calculated from the overdue date till the date of settlement of the arrears amount.
18.0% per annum (p.a.), which will be 1.5% per month.
No. The full amount approved will be credited into your personal savings/current account.
Currently, JCL has three (3) types of payment methods: direct debit from a salary bank account, JomPAY, or PayQuik.
You will have to send an email to pay@bpartnergroup.com for payment inquiries. Kindly include your NRIC (national registration identity card) number and full name for checking purposes.
You will need to give a one-month notice beforehand and also fill up the early settlement form, which could be obtained at our branches or by email.
No. We only accept payments via JomPAY, PayQuik, or direct debit.
No, we only accept early-settlement payments via JomPAY, cash deposit machines (CDM), or bank transfers. Kindly send the receipt to pay@bpartnergroup.com after making the payment.
You may pay your installment within seven (7) working days before the due date. However, JCL will still require you to set an account for direct debit just in case you forget to make your payment manually.
You may use the PayQuik machine to make a payment.
You can make your payment via JomPAY:
- JCL Biller Code: 16667.
- Ref 1: Your JomPAY case ID number which JCL has provided you during agreement signing.
- Ref 2: Your identity card (IC) number.
Thank you for your payment. JCL needs three (3) working days to update your payment. If you still receive the SMS/call after this period, kindly send an email to pay@bpartnergroup.com for further checking.
Agreement Signing
The money will be received within three (3) working days after agreement signing.
Currently, we are unable to change the due date of payment.
No payment of deposit or lawyer fee is needed. However, if your loan is approved, you will need to pay the LHDN and Commissioner for Oaths fees by cash when you come in for the agreement signing.
Others
No, JCL does not have any agents as it is prohibited by the Moneylenders Act 1951 of Malaysia.
Kindly inform us the details and lodge a police report. Stop providing any information to the scammer.
This benefit is only applied to new personal loan products. For JCL’s first-time customers, JCL will waive your interest for the first month’s installment only.
You may visit our website at https://jcl.my, or like and follow our Facebook and Instagram pages for more information.
Last updated 3 Jul 2020