How It Works? ⊹ ࣪ ˖

Own Apple products easily - no credit card needed, with low monthly instalments at an affordable price.

  • Easy Payment

    Instalment up to 36 months*.

  • Where To Apply?

    In-Store & Online.

  • Simple Application

    Present IC and payslip.

How to Register?

  • Step 1:

    Fill in your information and complete the application form.

    User Registration Requirements
    Have the following prepared before applying and follow the steps below.

    •⁠ Malaysian Citizen (Blue IC Only)
    •⁠ ⁠Between the age of 18 to 60 years
    •⁠ ⁠Working 3 months above with current employer
    •⁠ ⁠Not residing or working in a military camp
    •⁠ ⁠Net Salary RM 1,000 above

  • Step 2:

    JCL performs verification and credit assessment.

  • Step 3:

    Applicants will receive notification once the application is approved.

  • Step 4:

    Successful applicants visit store to sign agreement and pick-up purchased item.

View Pricing of the Devices

Model Capacity 12M 24M 36M 48M
iPhone 18 Pro 256GB RM527 RM298 RM221 RM183
iPhone 18 Pro 512GB RM623 RM352 RM262 RM217
iPhone 18 Pro 1TB RM814 RM460 RM342 RM283
iPhone 18 Pro 2TB RM1102 RM623 RM463 RM383
iPhone 18 Pro Max 256GB RM575 RM325 RM242 RM200
iPhone 18 Pro Max 512GB RM671 RM379 RM282 RM233
iPhone 18 Pro Max 1TB RM862 RM487 RM362 RM300
iPhone 18 Pro Max 2TB RM1150 RM650 RM483 RM400
iPhone 17e 256GB RM316 RM179 RM133 RM110
iPhone 17e 512GB RM412 RM233 RM173 RM143
iPhone 17 256GB RM412 RM233 RM173 RM143
iPhone 17 512GB RM508 RM287 RM213 RM177
iPhone 17 Pro 256GB RM527 RM298 RM221 RM183
iPhone 17 Pro 512GB RM623 RM352 RM262 RM217
iPhone 17 Pro 1TB RM719 RM406 RM302 RM250
iPhone 17 Pro Max 256GB RM575 RM325 RM242 RM200
iPhone 17 Pro Max 512GB RM671 RM379 RM282 RM233
iPhone 17 Pro Max 1TB RM767 RM433 RM322 RM267
iPhone 17 Pro Max 2TB RM958 RM542 RM403 RM333
iPhone Air 256GB RM508 RM287 RM213 RM177
iPhone Air 512GB RM604 RM341 RM254 RM210
iPhone Air 1TB RM795 RM450 RM334 RM277
iPhone 16e 128GB RM230 RM130 RM97 RM80
iPhone 16 128GB RM335 RM190 RM141 RM117
iPhone 15 128GB RM307 RM173 RM129 RM107
iPhone 14 128GB RM201 RM114 RM85 RM70
iPhone 14 256GB RM249 RM141 RM105 RM87
iPhone 13 128GB RM182 RM103 RM76 RM63
Model Capacity 12M 24M 36M 48M
iPad Pro 11-inch (M5 2025) Wi-Fi + Standard Glass 256GB RM527 RM298 RM221 RM183
iPad Pro 11-inch (M5 2025) Wi-Fi + Standard Glass 512GB RM613 RM347 RM258 RM213
iPad Pro 11-inch (M5 2025) Wi-Fi + Standard Glass 1TB RM786 RM444 RM330 RM273
iPad Pro 11-inch (M5 2025) Wi-Fi + Nano-Texture Glass 1TB RM824 RM466 RM346 RM287
iPad Pro 11-inch (M5 2025) Wi-Fi + Standard Glass 2TB RM997 RM563 RM419 RM347
iPad Pro 11-inch (M5 2025) Wi-Fi + Nano-Texture Glass 2TB RM1035 RM585 RM435 RM360
iPad Pro 11-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 256GB RM613 RM347 RM258 RM213
iPad Pro 11-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 512GB RM699 RM395 RM294 RM243
iPad Pro 11-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 1TB RM872 RM493 RM366 RM303
iPad Pro 11-inch (M5 2025) Wi-Fi + Cellular + Nano-Texture Glass 1TB RM910 RM515 RM383 RM317
iPad Pro 11-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 2TB RM1083 RM612 RM455 RM377
iPad Pro 11-inch (M5 2025) Wi-Fi + Cellular + Nano-Texture Glass 2TB RM1121 RM634 RM471 RM390
iPad Pro 13-inch (M5 2025) Wi-Fi + Standard Glass 256GB RM652 RM368 RM274 RM227
iPad Pro 13-inch (M5 2025) Wi-Fi + Standard Glass 512GB RM738 RM417 RM310 RM257
iPad Pro 13-inch (M5 2025) Wi-Fi + Standard Glass 1TB RM910 RM515 RM383 RM317
iPad Pro 13-inch (M5 2025) Wi-Fi + Nano-Texture Glass 1TB RM949 RM536 RM399 RM330
iPad Pro 13-inch (M5 2025) Wi-Fi + Standard Glass 2TB RM1121 RM634 RM471 RM390
iPad Pro 13-inch (M5 2025) Wi-Fi + Nano-Texture Glass 2TB RM1159 RM655 RM487 RM403
iPad Pro 13-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 256GB RM738 RM417 RM310 RM257
iPad Pro 13-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 512GB RM824 RM466 RM346 RM287
iPad Pro 13-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 1TB RM997 RM563 RM419 RM347
iPad Pro 13-inch (M5 2025) Wi-Fi + Cellular + Nano-Texture Glass 1TB RM1035 RM585 RM435 RM360
iPad Pro 13-inch (M5 2025) Wi-Fi + Cellular + Standard Glass 2TB RM1207 RM682 RM507 RM420
iPad Pro 13-inch (M5 2025) Wi-Fi + Cellular + Nano-Texture Glass 2TB RM1246 RM704 RM524 RM433
iPad 11-inch (A16 2025) Wi-Fi 128GB RM196 RM111 RM83 RM68
iPad 11-inch (A16 2025) Wi-Fi 256GB RM235 RM133 RM99 RM82
iPad 11-inch (A16 2025) Wi-Fi 512GB RM321 RM181 RM135 RM112
iPad 11-inch (A16 2025) Wi-Fi + Cellular 128GB RM263 RM149 RM111 RM92
iPad 11-inch (A16 2025) Wi-Fi + Cellular 256GB RM302 RM171 RM127 RM105
iPad 11-inch (A16 2025) Wi-Fi + Cellular 512GB RM388 RM219 RM163 RM135
iPad Air 11-inch (M4 2026) Wi-Fi 128GB RM335 RM190 RM141 RM117
iPad Air 11-inch (M4 2026) Wi-Fi 256GB RM374 RM211 RM157 RM130
iPad Air 11-inch (M4 2026) Wi-Fi 512GB RM460 RM260 RM193 RM160
iPad Air 11-inch (M4 2026) Wi-Fi 1TB RM584 RM330 RM246 RM203
iPad Air 11-inch (M4 2026) Wi-Fi + Cellular 128GB RM402 RM227 RM169 RM140
iPad Air 11-inch (M4 2026) Wi-Fi + Cellular 256GB RM411 RM249 RM185 RM153
iPad Air 11-inch (M4 2026) Wi-Fi + Cellular 512GB RM527 RM298 RM221 RM183
iPad Air 11-inch (M4 2026) Wi-Fi + Cellular 1TB RM652 RM368 RM274 RM227
iPad Air 13-inch (M4 2026) Wi-Fi 128GB RM422 RM238 RM177 RM147
iPad Air 13-inch (M4 2026) Wi-Fi 256GB RM460 RM260 RM193 RM160
iPad Air 13-inch (M4 2026) Wi-Fi 512GB RM546 RM309 RM230 RM190
iPad Air 13-inch (M4 2026) Wi-Fi 1TB RM671 RM379 RM282 RM233
iPad Air 13-inch (M4 2026) Wi-Fi + Cellular 128GB RM489 RM276 RM205 RM170
iPad Air 13-inch (M4 2026) Wi-Fi + Cellular 256GB RM527 RM298 RM221 RM183
iPad Air 13-inch (M4 2026) Wi-Fi + Cellular 512GB RM613 RM347 RM258 RM213
iPad Air 13-inch (M4 2026) Wi-Fi + Cellular 1TB RM738 RM417 RM310 RM257
iPad mini (7th gen - A17 Pro 2024) Wi-Fi 128GB RM259 RM146 RM109 RM90
iPad mini (7th gen - A17 Pro 2024) Wi-Fi 256GB RM297 RM168 RM125 RM103
iPad mini (7th gen - A17 Pro 2024) Wi-Fi 512GB RM326 RM184 RM137 RM113
iPad mini (7th gen - A17 Pro 2024) Wi-Fi + Cellular 128GB RM364 RM206 RM153 RM127
iPad mini (7th gen - A17 Pro 2024) Wi-Fi + Cellular 256GB RM383 RM217 RM161 RM133
iPad mini (7th gen - A17 Pro 2024) Wi-Fi + Cellular 512GB RM450 RM255 RM189 RM157
Model 12M 24M 36M 48M
iMac 24" 4.5K Retina (Nano-Texture | M4 | 10/10 Core | 16GB + 256GB) RM805 RM455 RM338 RM280
iMac 24" 4.5K Retina (Standard Glass | M4 | 10/10 Core | 24GB + 512GB) RM891 RM504 RM375 RM310
iMac 24" 4.5K Retina (Standard Glass | M4 | 8/8 Core |16GB + 256GB) RM623 RM352 RM262 RM217
iMac 24" 4.5K Retina (Standard Glass | M4 | 10/10 Core | 16GB + 256GB) RM719 RM406 RM302 RM250
iMac 24" 4.5K Retina (Standard Glass | M4 | 10/10 Core | 16GB + 512GB) RM805 RM455 RM338 RM280
Mac mini (M5 Pro | 15/16 Core | 24GB + 512GB) RM719 RM406 RM302 RM250
Mac mini (M6 | 12/12 Core | 24GB + 512GB) RM537 RM303 RM226 RM187
Mac mini (M6 | 12/12 Core | 16GB + 512GB) RM450 RM255 RM189 RM157
Mac mini (M6 | 12/12 Core | 16GB + 256GB) RM364 RM206 RM153 RM127
Mac Studio (M5 Ultra | 30/64 Core | 96GB + 1TB) RM2396 RM1354 RM1007 RM833
Mac Studio (M5 Max | 18/32 Core | 36GB + 512GB) RM1054 RM596 RM443 RM367
MacBook Air 13" (M5 | 10/8 Core | 16GB + 512GB) RM527 RM298 RM221 RM183
MacBook Air 13" (M5 | 10/10 Core | 16GB + 1TB) RM656 RM371 RM276 RM228
MacBook Air 13" (M5 | 10/10 Core | 24GB + 1TB) RM743 RM420 RM312 RM258
MacBook Air 15" (M5 | 10/10 Core | 16GB + 512GB) RM604 RM341 RM254 RM210
MacBook Air 15" (M5 | 10/10 Core | 16GB + 1TB) RM733 RM414 RM308 RM255
MacBook Air 15" (M5 | 10/10 Core | 24GB + 1TB) RM819 RM463 RM344 RM285
MacBook Neo 13" (A18 Pro | 6/5 Core | 8GB +256GB) RM287 RM162 RM121 RM100
MacBook Neo 13" (A18 Pro | Touch ID | 6/5 Core | 8GB + 512GB) RM326 RM184 RM137 RM113
MacBook Pro 14" (M5 | 10/10 Core | 32GB + 1TB) RM834 RM471 RM350 RM290
MacBook Pro 14" (M5 | 10/10 Core | 16GB + 1TB) RM671 RM379 RM282 RM233
MacBook Pro 14" (M5 | 10/10 Core | 24GB + 1TB) RM752 RM425 RM316 RM262
MacBook Pro 14" (M5 Pro | 15/16 Core | 24GB + 1TB) RM987 RM558 RM415 RM343
MacBook Pro 14" (M5 Pro | 18/20 Core | 24GB + 2TB) RM1294 RM731 RM544 RM450
MacBook Pro 14" (M5 Max | 18/32 Core | 36GB + 2TB) RM1687 RM953 RM709 RM587
MacBook Pro 14" (M5 Pro | 15/16 Core | 24GB + 2TB) RM1203 RM680 RM505 RM418
MacBook Pro 14" (M5 | 10/10 Core | 32GB + 1TB) RM968 RM547 RM407 RM337
MacBook Pro 16" (M5 Pro | 18/20 | 24GB + 1TB) RM1198 RM677 RM503 RM417
MacBook Pro 16" (M5 Pro | 18/20 | 48GB + 1TB) RM1457 RM823 RM612 RM507
MacBook Pro 16" (M5 Max | 18/32 | 36GB + 2TB) RM1773 RM1002 RM745 RM617
MacBook Pro 16" (M5 Max | 18/20 | 24GB + 2TB) RM2012 RM1137 RM846 RM700
Model Size 12M 24M 36M 48M
Apple Watch Ultra 4 (GPS + Cellular | Natural Titanium Case + Natural Titanium Milanese Loop) 49mm RM402 RM227 RM169 RM140
Apple Watch Ultra 4 (GPS + Cellular | Black Titanium Case + Black Titanium Milanese Loop) 49mm RM402 RM227 RM169 RM140
Apple Watch Ultra 4 (GPS + Cellular | Natural/Black Titanium Case + Trabslucent Ocean Band) 49mm RM354 RM200 RM149 RM123
Apple Watch Ultra 4 (GPS + Cellular | Natural/Black Titanium Case + Alpine Loop) 49mm RM354 RM200 RM149 RM123
Apple Watch Ultra 4 (GPS + Cellular | Natural/Black Titanium Case + Trail Loop) 49mm RM354 RM200 RM149 RM123
Apple Watch Series 12 (GPS | Aluminium Case + Sport Band) 42mm RM172 RM97 RM72 RM60
Apple Watch Series 12 (GPS | Aluminium Case + Milanese Loop) 42mm RM196 RM111 RM83 RM68
Apple Watch Series 12 (GPS | Aluminium Case + Sport Band) 46mm RM196 RM111 RM83 RM68
Apple Watch Series 12 (GPS | Aluminium Case + Milanese Loop) 46mm RM220 RM125 RM93 RM77
Apple Watch Series 12 (GPS + Cellular | Aluminium Case + Sport Band) 42mm RM220 RM125 RM93 RM77
Apple Watch Series 12 (GPS + Cellular | Aluminium Case + Milanese Loop) 42mm RM244 RM138 RM103 RM85
Apple Watch Series 12 (GPS + Cellular | Titanium Case + Sport Band) 42mm RM316 RM179 RM133 RM110
Apple Watch Series 12 (GPS + Cellular | Titanium Case + Milanese Loop) 42mm RM340 RM192 RM143 RM118
Apple Watch Series 12 (GPS + Cellular | Ceramic Case + Sport Loop) 42mm RM388 RM219 RM163 RM135
Apple Watch Series 12 (GPS + Cellular | Aluminium Case + Sport Band) 46mm RM244 RM138 RM103 RM85
Apple Watch Series 12 (GPS + Cellular | Aluminium Case + Milanese Loop) 46mm RM268 RM152 RM113 RM93
Apple Watch Series 12 (GPS + Cellular | Titanium Case + Sport Band) 46mm RM340 RM192 RM143 RM118
Apple Watch Series 12 (GPS + Cellular | Titanium Case + Milanese Loop) 46mm RM364 RM206 RM153 RM127
Apple Watch Series 12 (GPS + Cellular | Ceramic Case + Sport Loop) 46mm RM412 RM233 RM173 RM143
Apple Watch SE 3 (GPS | Aluminium Case + Sport Band) 40mm RM101 RM57 RM42 RM35
Apple Watch SE 3 (GPS | Aluminium Case + Sport Band) 44mm RM115 RM65 RM48 RM40
Apple Watch SE 3 (GPS + Cellular | Aluminium Case + Sport Band) 40mm RM124 RM70 RM52 RM43
Apple Watch SE 3 (GPS + Cellular | Aluminium Case + Sport Band) 44mm RM139 RM78 RM58 RM48
Apple Pencil (2nd Generation) - RM53 RM30 RM22 RM18
Apple Pencil (USB-C | 2023) - RM33 RM19 RM14 RM12
Apple Pencil Pro - RM53 RM30 RM22 RM18
HomePod - RM163 RM92 RM68 RM57
HomePod mini - RM57 RM32 RM24 RM20
AirPods 5 with Wireless Charging Case - RM67 RM38 RM28 MR23
AirPods 5 - RM57 RM32 RM24 RM20
AirPods Pro 3 - RM96 RM54 RM40 RM33
AirPods Max 2 - RM220 RM125 RM93 RM77
AirTag (2nd Generation | 1 Pack) - RM41 RM23 RM17 RM14
AirTag (2nd Generation | 4 Pack) - RM12 RM7 RM5 RM4

Overview

  1. JCL
    • A financing solution offering low monthly instalments at an affordable price.

  2. Repayment loans are available for up to 36 months.

  3. Multiple devices can be applied for under one application, which will fall under one agreement (e.g., 2 iPhones or 2 iPads).

  4. Eligibility:

    Salaried Employees: 
    • Ages 18 to 60
    • Nett salary of RM1000 and above 
    • Malaysian citizens (blue IC only)
    • Minimum working period of 3 months
    • Not residing or working in a military camp

  5. Supporting Documents:
    • Copy of Identity Card (front & back)
    • Latest payslip (one month only)

  6. Guarantor / Collateral:
    • No guarantor or collateral required.

  7. Processing Time:
    • 1 to 3 working days from application to approval.

Payment

  1. Application Fee:
    No payment upon application. RM54 (inclusive of 8% SST) processing fee will be collected by JCL upon approval.

  2. Monthly Repayment Methods:
    Auto debit deduction from applicant’s savings account
    Manual payment through the “Jclicks” application.

  3. Late Payment:
    Late payment charges apply if payment is past due date.

  4. Auto-Debit Requirement:
    All applicants must apply for auto-debit before collecting their devices.

  5. Confidentiality:
    Personal information is kept confidential in compliance with the Personal Data Protection Act 2010 (PDPA).

  6. Early Settlement Rebate:
    Discounted price for early settlement.

Contract

  1. Termination:
    • Early termination is allowed. Contact Customer Service at 03-26167900.

  2. Device Collection:
    • Device can be collected on the spot after signing the agreement.

  3. Contract Details:
    • Contract will be sent via postage within 1 month after collecting the device.

    Terms and conditions will be stated in the contract.

General – Lost / Theft / Damage

  1. Faulty Device
    • Check the device upon collection for defects. Notify staff and request replacement if defective.

    Responsibility for the device continues throughout the contract duration.

  2. Lost/Stolen Device:
    • No protection for lost or stolen devices; payments must continue until the end of the contract.

  3. Broken Device:
    • No protection for broken devices; payments must continue until the end of the contract.