JCL Credit Leasing - Direct Lending Malaysia

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?

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:

Why Use Direct Lending?


Know your rate instantly


Find and apply youe best loan anytime, anywhere


Authorised partner for JCL Credit Leasing


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.