JCL i-Fund Personal Financing
Min. interest rate18.00% p.a.
Max. Loan amountRM 50,000
Max. Tenure5 years
Min. interest rate18.00% p.a.
Max. Loan amountRM 50,000
Max. Tenure5 years
A Shariah-compliant JCL financing for up to RM50,000 loan. Apply online without guarantors or collateral and no early settlement fees!
Calculate your monthly repayment
*Profit rate, monthly repayment, and total repayment amount displayed are estimates for illustrative purposes only. The actual financing terms, including the approved amount, and final profits are subject to assessment and approval by the lending party.
Fees and Charges
Profits RateAs low as 18.00% p.a.**Subject to terms and conditions
Stamp Duty
ChargeableAs per the Stamp Act 1949 (Revised 1989)
Processing Fee
RM 50.00
Late Payment Fee
Chargeable1% Ta'widh (Compensation) and 7% Gharamah (Penalty) per annum will be imposed upon the amount due.
Early Termination Fee
Exempted
Eligibility
Min. IncomeRM 1,000per monthRM 12,000 per year
Who Can Apply?Malaysian citizens18 - 60 years old
Employment Status
- Individuals residing in Klang Valley, Penang, Johor, Ipoh, Kedah and Kelantan only
- Salaried employee
- Self-employed
- Commission earner
Documents required to apply
- A copy of your IC (both sides)
- Latest 3 months salary slip
- Latest 3 months bank statement (with salary being credited)
- Original utility bill receipts such as electricity, water bills, etc.
Loan Repayment Table
| Financing Amount | Financing Tenure | Min. Income | Profits Rate |
|---|---|---|---|
| RM 1,000 - RM 50,000 | 6 - 60 months | min. RM 12,000 | 18.00% p.a. - 20.00% p.a. |