Online Personal Loan

We can give you the financial flexibility to use the funds - for all your convenience and needs.

Online Personal Loan (OPL)

From a total of more than 4000 Credit Community in Malaysia, we are proud to inform that JCL Credit Leasing Sdn. Bhd. has been appointed by (KPKT) to conduct online money lending effective 26th April 2022.

Online money lending was first introduced by The Ministry of Housing and Local Government (KPKT) on 13th November 2020. The two main factors of having online money lending is due to the increase in demand from the members of the public to acquire financial aids from the credit community, and secondly, the government's initiative to exploit the emergence of the 4.0 industrial revolution that makes the most of the latest digital technology with facilities at your fingertips and all online transaction using computers and smartphone systems as well as high bandwidth capabilities.

We refer to our online money lending system as "OPL System" which complies with the guideline provided by the (KPKT) and built based on the best practices in line with the national banking industry technologies such as OTP (one-time-password), e-KYC (e- Know Your Customer) to verify the identity of the borrower, digital certificate issued by the Licensed Certification Authority (CA) recognized by the Malaysian Communications and Multimedia Commission (MCMC), attestation, submission of loan agreement, stamp duty, security of the agreement, and data protection by gaining access onto the OPL platform.

OPL is a platform for customer to apply loan, attestation, sign agreement and get disbursement without having to personally walk into our premises. It is convenient and time-efficient for our customers. Kindly refer below for more information.

How to apply?


1. Secure

Compliance with KPKT requirement, conduct LHDN stamping and attestation.

2. Convenience

Everything is at your fingertips. It can be done from anywhere, anytime by using online platform. No more walk in to our premises.

3. No human interaction

Avoid human interaction during Covid-19 pandemic.

4. Fast approval

Approval within 3 working days.

5. 0% interest rate for 1st month

6. No processing fee

7. No early-settlement fee

8. Documentation

Minimal documentation requirement.


1. Malaysian citizens only.

2. 18 to 60 years old.

3. A minimum gross income of RM 1,000.00 is required.

4. The minimum loan is RM 1,000.00 while the maximum is RM 10,000.00.

Documents Needed

Salaried employee

1. Original identity card (front and back).

2. Latest 3 months of salary slips/payslips.

3. Latest 3 months of bank statements.

4. Latest EPF or tax declaration form (BE form).

5. Utility bills: electricity, water, etc.

Rates and Charges

Interest rate: 12% - 18% per annum. (Subject to JCL approval)

No processing fee, no early settlement fee.

Note: All applicable taxes shall be payable by the customer (if any).

Payment Methods

You can choose a payment method that is most convenient for you: JomPAY, PayQuik or Direct Debit (e-Mandate).