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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.
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.
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.
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.
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 is the interest rate offered by JCL?
The interest rate is 18.0% per annum (p.a.), which will be 1.5% per month.
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.
Are there any handling fees or charges?
No, JCL does not take any handling fees or charges.
Do I have to pay for the government service tax?
No. The government service tax will not be imposed for this personal loan (facility).
Can I apply if I am under an AKPK program?
Yes, you can try. We have our own guidelines for cases under AKPK.
How do I apply for a JCL personal loan?
You may walk-in directly to our nearest branch with the required documents.
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.