Archives / Unknown filter


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.

Read more »

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 […]

Read more »

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.

Read more »

Are permanent residents of Malaysia allowed to apply?

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

Read more »

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 […]

Read more »

What documents are required for self-employed applicants?

For self-employed applicants, we will need: A copy of identity card (IC). Latest SSM Latest 6 months of company’s bank statements. Latest 3 months of personal bank statements. Latest utility […]

Read more »

Does JCL hold the customer’s ATM card?

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

Read more »

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.

Read more »

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 […]

Read more »

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).

Read more »

How will I know if my application is unsuccessful?

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

Read more »

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 […]

Read more »