JCL Credit Loan Purchase Guide

Supported Loan Provider

JCL Credit — Trusted licensed lender in Malaysia.
Interest rate: 15% p.a.

Required Documents

To apply for a JCL Credit loan, please provide the following:

1. MyKad (Front & Back)
2. 1 Month Salary Payslip
3. 1 Month Bank Statement

Loan Application Process

1. Select product and choose your installment plan
2. Submit required documents （Fill out the form here.）
3. Merchant fills in JCL form
4. Wait for JCL approval
5. Sign contract and consent form
6. Download JCL App and upload photos/screenshots
7. JCL final confirmation
8. Merchant ships the product
9. Customer receives product and confirms with photo
10. Complete your purchase and use with confidence.

Available Products & Monthly Payment

No	Model	12 Months	24 Months	36 Months
Combo
1	Sony PS5 Slim Disc 1TB Combo (MY)cooler fan, extra controller, ps5 game, controller stand	RM 479	RM 271	RM 201
2	Sony PS5 Slim Disc 1TB GOY (MY) Combo	RM 456	RM 258	RM 192
3	PS5 Slim Digital Combo Set (MY) Combocooler fan, extra controller, controller stand	RM 441	RM 249	RM 185
4	Nintendo Switch OLED MY Combo	RM 297	RM 168	RM 125
5	Switch 2 Mario Combo Set	RM 450	RM 255	RM 189
6	Nintendo Switch 2 combo	RM 431	RM 244	RM 181
7	PS5 pro (MY) combo	RM 642	RM 363	RM 270
Sony
8	Sony PS5 Slim Disc 1TB (MY)	RM 364	RM 206	RM 153
9	PS5 Slim Digital (MY)	RM 335	RM 190	RM 141
10	PS5 Pro (MY)	RM 498	RM 282	RM 209
Nintendo
11	Nintendo Switch OLED MY Neon/White	RM 211	RM 119	RM 89
12	Nintendo Switch 2 Mario - Black (MY)	RM 355	RM 200	RM 149
13	Nintendo Switch 2	RM 297	RM 168	RM 125
14	Nintendo Switch 2 Pokemon Az	RM 355	RM 200	RM 149
Fujifilm Instax
15	Fujifilm Instax Wide Evo - Combo Set	RM 297	RM 168	RM 125
ROG
16	ROG Xbox Ally 512gb	RM 431	RM 244	RM 181
17	ROG Xbox Ally X 1tb	RM 449	RM 254	RM 189
RedMagic
18	RedMagic Astra Gaming Tablet 12+256	RM 383	RM 217	RM 161
Google Pixel
19	Google Pixel 10 Pro XL 256gb	RM 498	RM 282	RM 209
Steam Deck
20	Steamdeck OLED 512GB	RM 383	RM 217	RM 161
21	Steamdeck OLED 1TB	RM 479	RM 271	RM 201
VIVO
22	vivo x300 pro 16+512 MY	RM 537	RM 303	RM 226
23	vivo x300 pro 16+1TB	RM 479	RM 271	RM 201
24	vivo x300 pro 16+1TB (Photography Kit)	RM 632	RM 357	RM 266
Xiaomi
25	xiaomi 17 12+256	RM 422	RM 238	RM 177
26	xiaomi 17 12+512	RM 474	RM 268	RM 199
27	xiaomi 17pro 12+256	RM 371	RM 210	RM 156
28	xiaomi 17pro 12+512	RM 391	RM 221	RM 164
29	xiaomi 17pro 16+512	RM 436	RM 246	RM 183
30	xiaomi 17pro max 12+512	RM 448	RM 253	RM 188
31	xiaomi 17pro max 16+512	RM 464	RM 262	RM 195
32	xiaomi 17pro max 16+1TB	RM 512	RM 289	RM 215
33	xiaomi 17Ultra512gb New	RM 623	RM 352	RM 262
34	xiaomi 17Ultra1tb New	RM 671	RM 379	RM 282
35	xiaomi 17Ultra leica 1tb New	RM 767	RM 433	RM 322
36	xiaomi pad 7 ultra 12+256	RM 450	RM 255	RM 189
37	xiaomi pad 7 ultra 12+512	RM 470	RM 265	RM 197
38	xiaomi pad 8 pro 8+256	RM 326	RM 184	RM 137
39	xiaomi pad 8 pro 12+256	RM 345	RM 195	RM 145
40	xiaomi pad 8 pro 16+512	RM 383	RM 217	RM 161
OPPO
41	oppo reno 15 12+256gb	RM 249	RM 141	RM 105
42	oppo reno 15 12+512gb	RM 278	RM 157	RM 117
43	oppo reno 15 16+256gb	RM 287	RM 162	RM 121
44	oppo reno 15 16+512gb	RM 297	RM 168	RM 125
45	oppo reno 15 16+1tb	RM 326	RM 184	RM 137
46	FindX9 16+512	RM 403	RM 228	RM 169
47	FindX9Pro 16+512	RM 527	RM 298	RM 222
48	oppo Find X9 Ultra 12+512	RM 719	RM 406	RM 302
49	oppo Find X9 Ultra 12+1TB	RM 767	RM 433	RM 322
ONEPLUS / iQOO
50	Oneplus 15 16+512	RM 422	RM 238	RM 177
51	Oneplus 15 16+1TB	RM 469	RM 265	RM 197
52	Oneplus ACE6 12+256	RM 287	RM 162	RM 121
53	Oneplus ACE6 12+512	RM 307	RM 173	RM 129
54	Oneplus ACE6 16+256	RM 345	RM 195	RM 145
55	Oneplus ACE6 16+512	RM 374	RM 211	RM 157
56	Oneplus ACE6 16+1TB	RM 402	RM 227	RM 169
57	IQOO Z10x 8+128GB	RM 192	RM 108	RM 81
58	IQOO Z10x 8+256GB	RM 211	RM 119	RM 89
iPhone / Apple
59	AirPods Max Type-C	RM 297	RM 168	RM 125
60	AirPods Pro 2 Type-C	RM 153	RM 87	RM 64
61	iPad Air 11 M3 (128gb)	RM 297	RM 168	RM 125
62	iPad mini A17 Pro (128gb) (wifi)	RM 268	RM 152	RM 113
63	iPad mini A17 Pro (256gb) (wifi)	RM 307	RM 173	RM 129
64	iPad mini A17 Pro (512gb) (wifi)	RM 383	RM 217	RM 161
65	iphone 16 e 128	RM 355	RM 200	RM 149
66	iphone 16 128	RM 403	RM 228	RM 169
67	iphone 16+ 128	RM 441	RM 249	RM 185
68	iphone 16 pro 256	RM 556	RM 314	RM 234
69	iphone 16 pro 512	RM 613	RM 347	RM 258
70	iPhone AIR 256	RM 518	RM 293	RM 218
71	iPhone 17 256	RM 479	RM 271	RM 201
72	iPhone 17 PRO 256	RM 594	RM 336	RM 250
73	iPhone 17 PRO 512	RM 700	RM 395	RM 294
74	iPhone 17 PRO MAX 256	RM 671	RM 379	RM 282
75	iPhone 17 PRO MAX 512	RM 757	RM 428	RM 318
Redmi
76	K90 12+256	RM 278	RM 157	RM 117
77	K90 16+256	RM 297	RM 168	RM 125
78	K90 12+512	RM 307	RM 173	RM 129
79	K90 16+512	RM 335	RM 190	RM 141
80	K90 16+1T	RM 374	RM 211	RM 157
81	K90ProMAX 12+256	RM 383	RM 217	RM 161
82	K90ProMAX 12+512	RM 403	RM 228	RM 169
83	K90ProMAX 16+512	RM 422	RM 238	RM 177
84	K90ProMAX16+1T	RM 479	RM 271	RM 201
POCO
85	POCO F8 Pro 12+256	RM 326	RM 184	RM 137
86	POCO F8 Pro 12+512	RM 355	RM 200	RM 149
87	POCO F8 Ultra 12+256	RM 412	RM 233	RM 173
88	POCO F8 Ultra 16+512GB	RM 441	RM 249	RM 185
Marshall
89	EMBERTON III BLACK AND BRASS, CREAM, SAGE	RM 211	RM 119	RM 89
90	EMBERTON III MIDNIGHT BLUE, BLACK AND BRASS, cream	RM 211	RM 119	RM 89
91	MIDDLETON BLACK AND BRASS, CREAM	RM 230	RM 130	RM 97
92	KILBURN III BT BLACK AND BRASS, cream, black	RM 268	RM 152	RM 113
Insta 360
93	insta360 anti gravity A1 standard bundle	RM 431	RM 244	RM 181
94	insta360 anti gravity A1 ecxplore bundle	RM 479	RM 271	RM 201
95	insta360 anti gravity A1 infinity bundle	RM 575	RM 325	RM 242
96	insta 360 X5	RM 307	RM 173	RM 129
DJI
97	DJI pocket 3 basic New	RM 288	RM 163	RM 121
98	DJI pocket 3 creator New	RM 335	RM 190	RM 141
99	DJI pocket 4 basic New	RM 335	RM 190	RM 141
100	DJI pocket 4 creator New	RM 383	RM 217	RM 161
101	DJI osmo 360 Adventure Combo New	RM 259	RM 146	RM 109
102	DJI Osmo Action 5 Pro Basic New	RM 259	RM 146	RM 109
103	DJI Osmo Action 5 Pro Adventure Combo New	RM 335	RM 190	RM 141
JBL
104	JBL Partybox Club 120 black	RM 268	RM 152	RM 113
105	JBL Boombox 3 black	RM 278	RM 157	RM 117
Meta Quest
106	Meta Quest 3S VR 128GB	RM 220	RM 125	RM 93
107	Meta Quest 3S VR 256GB	RM 249	RM 141	RM 105
108	Meta Quest 3 VR 512GB	RM 307	RM 173	RM 129
ASUS Laptop
109	ASUS Gaming V16 Gaming Laptop[V3607V-MRP207WS]	RM 492	RM 246	RM 164
110	ASUS TUF Gaming F16 Gaming Laptop[FX608J-MRV040W] - GeForce RTX™ 5060	RM 550	RM 275	RM 183
111	ASUS Vivobook 16 Flip Convertible Laptop[TP3607S-ARJ128WS]	RM 558	RM 279	RM 186
112	ASUS ROG Flow Z13 Gaming Laptop[GZ302E-ARU007W]	RM 1,000	RM 500	RM 333
Samsung
113	A56 5g 12+256	RM 211	RM 119	RM 89
114	S25 12+256	RM 374	RM 211	RM 157
115	S25 12+512	RM 412	RM 233	RM 173
116	S25 PLUS 5G 12+256	RM 470	RM 265	RM 197
117	S25 PLUS 5G 12+512	RM 508	RM 287	RM 213
118	S25 ULTRA 5G 12+256	RM 489	RM 276	RM 205
119	S25 ULTRA 5G 12+512	RM 537	RM 303	RM 226
120	256 5730 GALAXY Z FLIP 6 12+256	RM 335	RM 190	RM 141
121	256 5730 GALAXY Z FLIP 6 12+512	RM 431	RM 244	RM 181
122	Samsung S26 12+512 NEW	RM 498	RM 282	RM 209
123	Samsung S26 PLUS 12+512 NEW	RM 594	RM 336	RM 250
124	Samsung S26 ULTRA 12+512 NEW	RM 652	RM 368	RM 274
Honor
125	Honor Magic 8 Pro 12+512	RM 498	RM 282	RM 209
126	Honor Magic 8 Pro 16+1TB	RM 546	RM 309	RM 230
Huawei
127	Pura X 12+256gb	RM 470	RM 265	RM 197
128	Pura X 12+512gb	RM 489	RM 276	RM 205
129	Pura X Collector's edition 16+512gb	RM 546	RM 309	RM 230
130	Pura X Collector's edition 16+1TB	RM 642	RM 363	RM 270

Swipe left or right on mobile to view all installment options. Prices and monthly payments are for reference only and are subject to JCL Credit approval and final confirmation.

Important Notes

1. Approval is subject to JCL Credit’s loan assessment and policy.
2. Customer must be a Malaysian citizen with valid MyKad.
3. Monthly repayments and total payable amount depend on 15% annual interest and tenure length.
4. Actual figures will be confirmed by JCL Credit upon approval.

Frequently Asked Questions

1. Why was my application rejected even though I have a payslip?

JCL Credit currently accepts applications from monthly salaried employees only.

Weekly-paid and daily-paid workers are currently not eligible to apply.

2. What may affect my application eligibility or credit record?

The following situations may affect your loan application eligibility: