Low income personal loan made fast & easy
No upfront fees. No ATM card
Loan provided by JCL Credit Leasing
Better & safer way to borrow
Rejected by bank due to low income?
Achieve your dream or address your unexpected emergency needs today with a safe and affordable personal loan. Minimum income requirement of only RM1,000. Direct Lending, an online personal lending platform, in collaboration with JCL Credit Leasing, aim to provide you with a faster, simpler, safer and more affordable borrowing experience.
Benefits of JCL Personal Loan
JCL Credit Leasing Sdn Bhd (413411 -H), also known as Japan Credit Leasing, is a licensed lender registered under KPKT. JCL entered the Malaysian market in 2014 by providing personal loan, business loan and hire purchase.
Disbursement as fast as 3 days
No upfront payment & processing fee
Flat interest rate of 12% - 18% p.a
Loan amount up to RM20,000
No guarantor or collateral required
Flexible loan repayment
Enjoy 0% interest free for 1st month!
Who can apply?
- Age 18 - 60 years
- Malaysian citizen
- Minimum monthly income of RM1,000
- Working in KL, Putrajaya, Selangor, Negeri Sembilan, Penang, Perak & Johor
Kredit imej: JCL
How it works
A fast and easy process
Fill up application form online
Contact by JCL for credit check & verification
Submit required documents and sign agreements
List of required documents:
- Original NRIC (MyKad)
- Latest 3 months salary slips
- Latest 3 months bank statement
- Latest EPF or tax declaration form
- Utility bill - electricity, water, etc
Why use Direct Lending?
FAST
Know your rate instantly
SIMPLE
Find and apply youe best loan anytime, anywhere
SAFE
Authorised partner for JCL Credit Leasing
FREE
Our services are 100% free
Testimoni Pelanggan
Apa yang pelanggan katakan tentang servis kami di Google Business Page
“Saya berpuas hati dengan perkhidmatan Direct Lending… Mudah berurusan… Diberi penjelasan sepenuhnya… Dan boleh dipercayai… Tq”
“Perkhidmatan terbaik.. telus, berkualiti, cepat dan jujur…”
“Terima kasih kepada Direct Lending kerana menyediakan perkhidmatan yg cekap… Terima kasih dan tahniah kerana memberi perkhidmatan yang terbaik. Sangat selesa berurusan…”
You deserve a better borrowing experience
* Terms & Conditions apply. The financing rates is from minimum 12% p.a. (flat rate) to 18% p.a. (flat rate) Tenor of the financing offered is between 1 and 5 years. As a representative illustration, for a RM10,000 amount borrowed for 1 year at an annual profit rate of 12% p.a., the total amount at the end of the tenure is RM11,200.
