JCL Personal Loan

Pay Profit Rate Max. Financing Amount Total payment
RM 933 / mth 12.00% p.a. RM 50,000 RM 11,200
1.4
1.4 out of 5 stars (based on 13 reviews)
Excellent0%
Very good0%
Average15%
Poor8%
Terrible77%

No Title

December 21, 2024

Dont trust JCL. I’m having trouble with their loan payment. They said that I didn’t pay for 2 months which is April and May. But when i looked over my bank statement, I saw that they already deducted from my bank account. Also, they didn’t pickup my calls or messages. Lets sue this company. I think they are scammers. FOR JCL COMPANY OR WORKERS GET READY TO BE SUE . I ALREADY HAVE EVIDENCE THAT YOU ARE TRYING TO SCAM MANY PEOPLE

Avatar for Aiman Farizan
Aiman Farizan

No Title

December 21, 2024

Not deserve one more star even !!!!!!!!!!!!!! Kena tiga kali deduct two payment in one month. My god loan company or scam, always technical issue how come can work under licensed company?

Avatar for zi hong lim
zi hong lim

No Title

December 21, 2024

Pls dont do apply loan at JCL. so much trouble. My acc bank deduct from other reference twice. I was report/send email to JCL, meet their staff until now no update. Almost 2month they dont refund my money. This first and last. Natang anjing

Avatar for Razzi
Razzi

No Title

December 15, 2024

So far everything’s fine for me..just got 1 disappointment, i got my e-batal n release letter after 5months apply for it…takes too much time…but overall, service okay and no problem..

Avatar for Nieysa Smo
Nieysa Smo

No Title

December 15, 2024

now that i’ve already settled all my payment I just wanted to say you guys suck. Like all the agents who called me were so rude and some even went as far as calling me a hundred times a day and kept threatening to go to my workplace. literally the worst debt collector and everytime i tried to contact the hq for my balance payment no one replied. The service was simply bad I would have given 0 star if I could. For people planning to apply for loan with them DONT.

Avatar for twinkle wicky
twinkle wicky

No Title

December 15, 2024

SCAMMER!!!!!!!!!!!!!!! I NEVER apply anything from this company and suddenly send messages ask for payment and legal action taken if no payment made. SCAMMER COMPANY! SCAM PEOPLE RANDOMLY!!!!! I will make police report about this company by today.

Avatar for syafiqah sahawa
syafiqah sahawa

No Title

December 15, 2024

Improve your customer care. Did not helping at all!!!! Replied copy paste, and closed the chat without any solution. Deducting my payment twice!

Avatar for Nurul Amilyn
Nurul Amilyn

No Title

December 15, 2024

Agent call for payment about rm272. Shaa (Indian girl) talked so rudely doesn’t even know the skill of customer service. She can just Threaten and blackmail customer. She mention don’t use for free, u must pay tdy. Stupidest customer service all the way going to be 2 years I’m paying no issue. For the rm272 stupid Indian girl shaa talking like rubbish. Having this kind of customer services I will never pay. I will NEVER pay until she call me back. If I see her in real definitely I will throw money on her face the way she ask. Anak kurang ajar. Worst worst n worst ever. Auto debit alrdy still wants to ask why never pay. Please check everything before call.

Avatar for Sheena
Sheena

No Title

December 15, 2024

At the beginning I was a bit disappointed and empty because the closing of the account was not done perfectly. Finally, after contacting JCL directly, they gave a good commitment. Thank you

Avatar for Eja
Eja

No Title

December 15, 2024

I have paid full payment and requested for early settlement since May 2024 and they let me know that I will be receiving a settlement letter from them in 14 days. July 2024, they ask me to pay almost RM100 to close my account but I do tell them that I already did the full payment on May, and they decreased my payment to RM13.75 (because they were not doing their job correctly) and again tell me I will be receive the settlement letter to my home. August 2024 Tuan Zammaruddin ask me to pay again and did promise me to close my account. But yet! Now is nearly December and I didn’t receive any letter from JCL and I have been asked to pay more money for the early settlement (that I have been requesting since MAY 2024) !!! *They ended the conversation and ignored me after I sent them my proofs

Avatar for Siti Nasyitah
Siti Nasyitah

JCL Personal Loan


Profit Rates Based on Financing Amount & Tenure:

Borrow Amount Financing Period Profit Rate
RM1,000 – RM50,000 Flexible 12.00% p.a. – 18.00% p.a.

Note: Final rate is subject to JCL’s approval.


Key Highlights:

  • Profit Rate: From 12.00% p.a.
  • Financing Amount: Up to RM50,000
  • Fast Approval: Application processed within 3 working days.
  • Convenience: Fully online application platform, no need to visit branches.
  • Special Offer: 0% interest rate for the 1st month.
  • No Processing Fee: No additional charges for processing or early settlement.

Profit Rate:

  • Starting from 12.00% p.a. depending on loan amount and approval.

Key Features:

  • Financing Amount: From RM1,000 to RM50,000.
  • Financing Period: Flexible, depending on loan amount and repayment plan.
  • Loan Type: Unsecured loan.
  • Minimum Income: RM1,000/month.
  • Fast Approval: Approval within 3 working days.
  • Convenience: Online platform, no need to visit physical branches.
  • Human Interaction: Avoid in-person interaction during the COVID-19 pandemic.
  • No Early Settlement Fee: No penalty for paying off your loan early.

Fees & Charges:

  • Interest Rate: 12.00% p.a. to 18.00% p.a. depending on loan amount and approval.
  • Processing Fee: None
  • Early Settlement Fee: None
  • Stamp Duty: As per applicable laws.
  • Taxes: All applicable taxes shall be payable by the customer.

Who Can Apply?

  • Age: 18 to 60 years old.
  • Income Criteria: Minimum gross income of RM1,000/month.
  • Eligible Applicants:
    • Malaysian citizens only.

Loan Usage:

  • Can be used for personal expenses, home improvement, etc. (Not specified in detail).

How Fast Can I Get the Loan?

  • Application Processing: Approval within 3 working days.

Required Documents:

  • For Salaried Employees:
    • Original identity card (front and back)
    • Latest 3 months of salary slips
    • Latest 3 months of bank statements
    • Latest EPF or tax declaration form (BE form)
    • Latest utility bills (electricity, water, etc.)

Eligibility for Blacklisted Applicants:

  • Not specified in detail, but applicants with poor credit history may still be considered based on JCL’s assessment.

How to Apply:

  1. Apply online through JCL’s platform (no need to visit branches).
  2. Complete the application form and upload the necessary documents.
  3. JCL will process your application and notify you within 3 working days.

This format summarizes the essential details of JCL Personal Loan, ensuring clarity on the loan terms, fees, eligibility, and the application process.