JCL Personal Loan Reviews | JCL Personal Loan | Pinjaman Peribadi JCL

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%

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No Title

December 12, 2024

JCL Personal Loan ni memang teruk la. Apply, tunggu berbulan-bulan, still tak ada apa-apa. Bila tanya, dorang bagi alasan macam-macam, tapi saya tak nampak pun apa-apa progress. Kalau nak dapat loan, better cari tempat lain. JCL ni tak boleh dipercayai langsung. Lagi satu, customer service sangat slow! 😤

Amirul Azlan

No Title

December 12, 2024

Sumpah, ni loan company scam! Saya apply for JCL Personal Loan, janji approve cepat tapi sampai sekarang, tak ada apa-apa news. Dah call customer service banyak kali, tapi diaorang buat tak tahu je. Boleh tak, saya just nak tahu status permohonan? Tak ada update langsung, sangat mengecewakan. Jangan cuba apply, memang buang masa dan tenaga. 😡

Ali Shah

No Title

December 12, 2024

Mula-mula ingatkan JCL i-Fund ni bagus, tapi lepas guna sebulan, saya rasa biasa je. Return pun tak banyak sangat, macam lebih baik saya simpan duit dalam bank je. Platform pun kadang-kadang agak confusing, bukan sangat user-friendly. Customer service dia slow, I had to wait almost a week untuk dapat jawapan. Rasa macam kena push lagi supaya dorang reply. Kalau nak try safe option, okay lah. But for me, I expected more lah. 😕

Siti Nur Aisyah

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:

Apply online through JCL’s platform (no need to visit branches).
Complete the application form and upload the necessary documents.
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.