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The Best Financing Option For Get your next smartphone with JCL Installment Plan!
Finance your Smartphone at low interest with fast and easy loan approval.

Documents required:
1- I/C front and back
2- Latest 1 month payslip
3- 1 month utility bill
4- Bank statement with salary transaction.
   (CIMB/MAYBANK/RHB/BANK ISLAM/PUBLIC BANK/BANK RAKYAT/CITIBANK/HSBC/OCBC/HONG LEONG/STANDARD CHARTERED)

FAQ:
* Malaysian 18 to 55 years old.
* Need to work more than 3 months in existing company(Full time).
* Minimum nett salary RM1000.
* No blacklist record at Bank Negara Malaysia/CTOS/CCRIS.
* Latest 1 month payslip only.
* Bil utility 1 month.
* Bank statement with salary transaction.
* No need credit card.
* Applicants will be informed once the request is successful and can come to our outlet for finalizing documentations (signature) and collect the item purchased.
* JCL reserves the right to request for additional documents & information during application.
* All decisions regarding the applications are final and not negotiable.
* Company reserved the rights to change any without prior notice.

Hello! May I know what model of phone that you are interested? Choose and please
1. Bring I/C, 1 month payslip, 1 month utility bill, bank statement with salary transaction.
2. Visit our store and fill up application form or fill up download online.
3. Process within 3-7 working days to get the result approve or reject.
4. If reject we will inform and without any charges.
5. If approve, visit our store and sign auto debit form, pay RM80 processing fee then collect your new dream phone without deposit.
6. JCL reserves the right to request for additional documents & information during application.
7. Auto debit installment amount next month onwards.
* Company reserved the rights to change any without prior notice.

Calculation method: (A x B x C + A) / C = Monthly Installment
(A)Phone Price
(B)Interest Rate(Monthly): 1.25%
(C)Installment Period

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