Personal Loans & Finance


Why JCL Personal Loan?

JCL has Special Benefit

★ No Processing Fee

★ No Early Settlement Penalty

★ No Interest for First Month *at your first loan with JCL


In cases as below…

💣 An unexpected thing happened. Urgent need of money.

– JCL disburses within 2 days at the shortest. You don’t need to worry endlessly.


💣 I’m so nervous of my first loan / My application was rejected by a bank.

– JCL’s credit check is flexible. JCL tries to check a good side and add points.

credit check

💣 Interest rate is high. Monthly repayment will be a burden.

– JCL has no hidden charge. You must realize its valuable by looking at an actual amount you receive and monthly instalment.

no hidden charge

Rate & Charges

Interest Rate: 12.00~18.00% p.a.

Proccessing Fee: No

Early Settlement Penalty: No




Nationality: Malaysian

Area: Klang Valley

Age: 18 ~ 60

Min. Monthly Income: RM1,000


Necessary Document

  • 1. Original IC (MyKad)
  • 2. Latest 3 months Salary Slip/Pay slip
  • 3. Latest 3 months Bank Statement
  • 4. Latest EPF or Tax Declaration Form (BE Form)
  • 5. Utility Bills- Electricity, water, etc

Contact 1800-222-JCL(525)

Contact 1800-222-JCL(525)