How do I make payment to JCL?

There are four (4) types of payment channels:

  1. Auto Debit from Bank Account.
  2. Online banking.
  3. JomPAY payment.
  4. PayQuik kiosk.
What is JCL’s Biller Code for JomPAY?
  1. JomPAY Biller Code: 16667.
  2. Ref 1: JomPAY Case ID (customer’s unique identification number).
  3. Ref 2: MyKad number.
Why do I need to send a screenshot of an online payment via WhatsApp?

This is to verify your payment in the system based and your account number.

Why was my auto-debit payment not successful?
  1. 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.
  2. Existing loan: The auto-debit is not successful due to insufficient funds in the account.
Why is auto-debit performed after I have made the payment manually?

The auto-debit is in place to ensure that you do not missed repayment. If your manual payment fails, your account will be listed for auto-debit transactions. If your initial auto-debit fails, there will be another attempt to debit the payment after four (4) to five (5) working days.

How do I request for a refund?

Call Customer Care at 03-26167900 or send an email directly to inquiry@bpartnergroup.com.

How do I request a full/early settlement?

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.

Can I walk into any JCL branch to do a full settlement?

Yes, you can. Our financial consultants will provide the necessary assistance.

Application (Consumer)

What are the interest rates for a credit sale (CS) and a hire purchase (HP)?

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)

What types of products does JCL financing cover?

We are currently providing credit facility service to the products as stated below:

  1. Mobile phones.
  2. Electrical appliances.
  3. Motorcycles.
  4. Motorcycle accessories.
  5. Furniture.
What are the documents required for a motorcycle loan application?

The documents required for a motor loan application are,

Company employee (with a basic salary):

  1. A copy of your IC (front and back).
  2. Latest one (1) month payslip.
  3. Latest utility bill of current residence.
  4. Bank proof for auto-debit.

Company employee (fully commissioned):

  1. A copy of your IC (front and back).
  2. Latest three (3) months of payslip.
  3. Latest utility bill of current residence.
  4. Latest three (3) months of bank statements.

Self employed:

  1. A copy of your IC (front and back).
  2. Latest SSM certificate copy.
  3. Latest six (6) months of bank statements (company).
  4. Latest three (3) months of bank statements (personal).
  5. Latest utility bill of current residence.
Who is eligible for a loan application?
  1. Malaysian citizens only.
  2. Aged between 18 and 60 years old.
  3. Basic salary must be at least RM 1,000.
Is there anyone who is ineligible to apply for a loan?
  1. Self-employed with a business period of less than six (6) months.
  2. Company employee with less than three (3) months of working period.
  3. Applicant or spouse that works in the army.
What are the available loan tenures?

For mobile phones and electrical appliances: 12, 24, and 36 months.

For motorcycles: 12, 24, 36, 48, and 60 months.

Application (Consumer and Dealer)

Does JCL accept second-hand products?

No, JCL only accepts applications for new products only.

How do I apply for a JCL loan?

You will have to contact one of our panel dealers in order to apply for a loan to purchase their products.

How should I enquire about my application status?

You can follow up with your dealer for enquiries about your application.

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

You should contact your dealer if you intend to cancel your application.

Can I apply for two phones at the same time?

Yes, but some terms and conditions will apply.

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

Yes, but some terms and conditions will apply.

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

The documents required for a credit sale loan application are:

  1. Identity card.
  2. Three (3) months of personal bank statements.
  3. Six (6) months of company bank statements.
  4. Full set of SSM certificates.
  5. Latest utility bills.
  6. Tax declaration or receipt (if applicable).
Who can be the customer’s emergency contact person?
  1. Parents.
  2. Siblings.
  3. Relatives.
  4. Spouse.
What is the minimum down payment for a hire purchase (HP)?

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

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

Yes, they can, but only for parents, spouses, and siblings who are above the age of 18-years old.

What are the documents required to become one of JCL’s merchants?
  1. Latest two (2) years financial statements.
  2. Latest six (6) months of bank statements.
  3. Latest SSM registration certificate.
  4. Copy of identity card (IC) of all directors.
Are there any types of customers that will be automatically rejected?

Customers working in the army are not eligible for JCL loans.

What products are eligible for the credit sale?

All products covered under the law of credit sales will be considered for JCL loans.

How do I apply to become a merchant for JCL?

You should contact the JCL representative responsible for merchants in your region. Please refer to this list for contact information to begin the application process.

Where can the customer apply for the loan?

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

Payment (Consumer)

What are the types of payments?

You have the choice of making your monthly payments through JomPay or direct debit. However, your first payment must be made through JomPay regardless of which option you choose.

Payment (Consumer and Dealer)

How do I know when to make my first payment?

JCL will send you an email with information regarding the first payment and payment methods.

How can I print/download my statement?

The customer can request for their statement by sending an email to inquiry@bpartnergroup.com. Kindly include information such as the full name, IC number, and purpose of email.

What is the late penalty charge?

The late payment will be charged five percent interest (5%) per annum for Credit Sales or eight percent (8%) per annum for Hire Purchase toward the amount in arrears.

How can I find out my full settlement amount?

You may send an email to inquiry@bpartnergroup.com. Kindly provide the necessary information such as your full name, IC number, and purpose of email.

How can I pay by JomPAY?

Here’s where to pay by JomPAY:

  1. Online banking.
  2. ATM machine.
What other payment method can be used if I am using Bank Islam as Bank Islam does not support JomPAY?

You can pay by bank transfer to JCL’s CIMB bank account. Please contact us via email at inquiry@bpartnergroup.com for more information. You will need to include your full name and IC number in the email.

What can I do for payment if my auto-debit fails?

You can pay through JomPAY instead.

How can I do a full settlement?

Please contact us at  inquiry@bpartnergroup.com begin the process.

Which banks enable JomPAY payments?

Only conventional banks (non-Islamic) allow payments by JomPAY.

If I only have an Islamic banking account, are there other ways to make payments?

Yes, kindly drop your inquiries at jcl-collection@bpartnergroup.com or inquiry@bpartnergroup.com for assistance.

How do I check for the payment status?

You may contact our Customer Service at 03-26167900 or email to inquiry@bpartnergroup.com.

What is the payment date?

Payments are due on either the 2nd or 16th of each month. Please refer to your confirmation email for more information.

Collaboration (Dealer)

I am a dealer and I am interested in providing JCL financing to my customers. What should I do?

Kindly refer to our list of branches and contact our regional representative for collaboration purposes.

I would like to propose a new product other than JCL’s existing financing products. What should I do?

We are currently expanding our business. We welcome all proposals and suggestions. Kindly contact our regional representative for further discussion.

Disbursement (Dealer)

What are the processing fees?

Processing fees:

  1. Credit sales: RM 50.
  2. Hire purchase: RM 200.

Disbursement (Consumer)

When is the credit sale (CS) approval expiration date?

It is 90 days after the credit analysis (CA) approval date.

Autodebit (Consumer)

What should I do if I want to re-register for direct debit?

You will have to go to a JCL branch to sign a direct debit registration form.


What documents are required?

For employees, we will need:

  1. A copy of identity card (IC).
  2. Latest 3 months of salary slips.
  3. Latest 3 months of bank statements.
  4. Latest utility bill (water or electricity).
How long is the processing time?

We will need at least three to five (3 – 5) working days to process your application. This is 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.

When can I apply for a top-up loan?

You can apply for a top-up after completing three (3) payments of RM2,000 or less, and six (6) payments of RM2,500 or more. All payments must be prompt.

Who is eligible for a loan application with JCL?

Applicants must be Malaysian citizens, aged between 18 and 60, have been working for at least three (3) months with their current employer and a minimum basic salary of RM 1,000.00.

How will I know if my application is unsuccessful?

JCL will send an SMS to your registered mobile phone number regarding your unsuccessful application.

What are the minimum and maximum loan tenures?

The minimum loan tenure is one (1) year (12 months) and the maximum loan tenure is five (5) years (60 months).

Which areas does JCL cover for its personal loan?

Currently, we only accept people who are living in Kuala Lumpur, the Klang valley area, Selangor, Negeri Sembilan, Johor and Penang. However, we will be expanding our branches nationwide. For more updates, you may follow JCL’s Facebook and/or Instagram.

How will I know if my application is successful?

Our customer service agent will call you to begin the loan process if your application is successful.

Does JCL hold the customer’s ATM card?

As a professional licensed money lender, JCL will not hold the customer’s ATM card.

What documents are required for self-employed applicants?

For self-employed applicants, we will need:

  1. A copy of identity card (IC).
  2. Latest SSM
  3. Latest 6 months of company’s bank statements.
  4. Latest 3 months of personal bank statements.
  5. Latest utility bill (water or electricity).
How much of the loan amount will JCL approve?

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 amount that JCL is prepared to offer.

Are permanent residents of Malaysia allowed to apply?

No, we only accept applications from Malaysians citizens for the time being.

Can I apply with JCL even after my application has been rejected by the bank?

Yes, you may apply because JCL has our own flexible credit check.

What is the loan size that JCL is offering?

The loan amount offered by JCL is between RM 1,000.00 and RM 50,000.00. However, JCL will not offer the maximum amount to first time applicants as we will need to review your payment patterns.

What is the minimum amount of net salary needed to apply with JCL?

The minimum amount of net salary needed is RM500.00 per month.

Am I eligible to apply if I work as a freelancer?

No, you must have been employed for at least 3 months with your current company, or own a business with an SSM certificate for more than 6 months.

How do I apply for a JCL personal loan?

You may walk-in directly to our nearest branch with the required documents.

Can I apply if I am under an AKPK program?

Yes, you can try. We have our own guidelines for cases under AKPK.


Do I have to pay for the government service tax?

No. The government service tax will not be imposed for this personal loan (facility).

Are there any handling fees or charges?

No, JCL does not take any handling fees or charges.

How much is the late payment charge?

The late payment charge is eight percent (8%) per annum (p.a.) on the arrears, calculated from the overdue date till the date of settlement of the arrears amount.

What is the interest rate offered by JCL?

The interest rate is 18.0% per annum (p.a.), which will be 1.5% per month.

Is there any fee or advanced payment deduction from the approved loan amount?

No. The full amount approved will be credited into your personal savings/current account.

What are the types of loan repayment methods available?

Currently, JCL has five (5) types of payment methods: direct debit from a salary bank account, online banking, cash deposit machine (CDM), JomPAY, or PayQuik.

How can I check whether my payment is received or not?

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.

How can I do an early settlement?

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.

Does JCL receive cash over the counter for payment?

No. We only accept payments via online banking, cash deposit machines, JomPAY, PayQuik, or direct debit.

Can I make the early-settlement payment at a JCL branch?

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.

Is it possible if I do not want to pay by direct debit?

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.

How can I pay if I do not have any online banking facilities?

You may use the PayQuik machine to make a payment.

What should I do if my direct debit is unsuccessful?

You can make your payment via JomPAY:

  1. JCL Biller Code: 16667.
  2. Ref 1: Your JomPAY case ID number which JCL has provided you during agreement signing.
  3. Ref 2: Your identity card (IC) number.
I made a payment yesterday but still received SMS and calls asking me to pay.

JCL needs three (3) working days to update your payment history. If you still receive the SMS/call after this period, kindly send an email to pay@bpartnergroup.com for further action.

Agreement Signing

How long will it take for the loan to be disbursed after the agreement is signed?

You will receive the fund in your bank account within three (3) working days after signing the agreement.

Can I request to change my payment due date?

Currently, we are unable to change the due date of payment.

Do I need to pay a deposit or lawyer fee before the approval of the loan?

No payment of deposit or lawyer fee is needed. However, if your loan is approved, you will need to pay the LHDN (0.5% from loan disburse amount + RM 10 copy) and Commissioner for Oaths fees (RM 15 – RM 20) by cash when you come in for the agreement signing.


Do you have any agents?

No, JCL does not have any agents as it is prohibited by the Moneylenders Act 1951 of Malaysia.

What should I do if I was scammed?

Kindly inform us the details and lodge a police report. Stop providing any information to the scammer.

What does a zero percent (0%) interest campaign mean?

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.

How can we learn more about JCL?

You may visit our website at https://jcl.my, or like and follow our Facebook and Instagram pages for more information.

How do I use the J-CLicks app?

For detailed instructions on using the J-CLicks app, please visit JCL’s official user manual here.