• Interest rate (p.a.)

    12.00% - 18.00%

  • Loan Tenure

    1 - 5 years

  • Approval Duration

    2 days

  • Min. monthly income


Loan calculator
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Monthly salaryRM0
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What's so great about JCL Personal Loan?
  • Approved loan amount of up to RM50,000
  • Flat interest rate starting at 12% per annum
  • No guarantor, no collateral

Product Features

Min. financing amountRM500
Max.financing amount RM50,000
Min. loan tenure1
Max. loan tenure5
Interest rate12% per annum (with collateral) or 18% per annum (without collateral)
Approval duration2 days
Debt consolidationNo

Fees & Charges

One time set up
Processing feeFree
Stamp duty0.5% of approved loan amount
Disbursement & misc. feeN/A
Early settlementNo penalty
Late payment charges8% from current outstanding amount


Age requirementAge 18 - 60
Employment eligibilityGovernment servants, employees of private sector organization, and self-employed individuals
Min. salary requirementRM1,000 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Need to open linked banked account?No
Need to buy Takaful product?No

Product Review byiMoney

JCL Personal Loan FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to RM50,000 for a maximum loan tenure of five years.

The catch?

Applicant must be between the age 18 to 60 above to qualify.

Applicant must be a Malaysian citizen or permanent resident employed as a Government servant, employee of private sector organization, or self-employed with a minimum gross salary of RM1,000 per month or annual income of RM12,000.

This loan covers applicant who live within Klang Valley area.

What will it cost you and how will you be charged?

One time set-up fee:
  • 0.5% of approved loan amount.
  • Recurring payments:
  • Monthly repayment comprising principal amount and interest charge via cash deposit, cheque deposit, Interbank GIRO (IBG), or MEPS Shared ATM fund transfer. Interest charge will be at 12% flat interest rate per annum (with collateral) or 18% flat interest rate per annum (without collateral).
  • Penalties:
  • Late payment charges of 8% from outstanding loan amount. Late payment charges will increase your total outstanding loan amount.
  • No penalty for early settlement.
  • Calculate the cost of taking up this loan using our calculator.

    How long will the application take and what documentations are required?

    Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.

    Thereafter, JCL will require 2 days to asses you documentation before deciding on approval

    • Copy of NRIC (front and back)
    • 3 months (most current) salary slips
    • 3 months (most current) bank statements
    • EPF or bank statement (most current)
    • Current utility bill with current address

    Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?

    Yes, if you are having adverse record on CCRIS/CTOS/Credit Record. Blacklisted record applicant is not allowed to apply for this financing.

    If you are looking for other personal loans, you may also consider
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  • AmBank Islamic AmMoneyLine Facility-i
  • With AmBank Islamic AmMoneyLine Facility-i, the personal loan comes with an fixed interest rate starting from 8% p.a. This personal loan has a maximum tenure of 8 years. It also comes with a minimum income requirement of RM2,000.
  • Standard Chartered CashOne-i
  • Standard Chartered CashOne has a flat interest rate starting from 8.5% p.a. The maximum tenure for this personal loan is 5 years. It also comes with a minimum income requirement of RM3,000.