JCL

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

How It Works?

Easy Payment
Instalment up to 36 months*.

Where to apply?
In-store & Online.

Simple Application
Present IC and payslip.

Step 1 - Fill

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

Chat with our customer service team here to get the application link

Step 2 - Assessment

JCL performs verification and credit assessment.

Step 3 - Approval

Applicants will receive notification once the application is approved.

Step 4 - Visit

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

View Pricing of the Devices

Model Capacity 12 mo. 24 mo. 36 mo.
iPhone 17 256GB RM384 RM217 RM162
iPhone 17 512GB RM480 RM271 RM202
iPhone 17 Pro 256GB RM527 RM298 RM222
iPhone 17 Pro 512GB RM623 RM353 RM262
iPhone 17 Pro 1TB RM719 RM407 RM303
iPhone 17 Pro Max 256GB RM575 RM325 RM242
iPhone 17 Pro Max 512GB RM671 RM380 RM282
iPhone 17 Pro Max 1TB RM767 RM434 RM323
iPhone 17 Pro Max 2TB RM959 RM542 RM403
iPhone Air 256GB RM480 RM271 RM202
iPhone Air 512GB RM575 RM325 RM242
iPhone Air 1TB RM671 RM380 RM282
iPhone 16 Plus 128GB RM384 RM217 RM162
iPhone 16 Plus 256GB RM432 RM244 RM182
iPhone 16 128GB RM336 RM190 RM141
iPhone 16e 128GB RM288 RM163 RM121
iPhone 16e 256GB RM336 RM190 RM141
iPhone 16e 512GB RM432 RM244 RM182
iPhone 15 128GB RM259 RM147 RM109
iPhone 15 256GB RM307 RM174 RM129
iPhone 14 128GB RM221 RM125 RM93
iPhone 14 256GB RM269 RM152 RM113
iPhone 13 128GB RM192 RM109 RM81
Model Capacity 12 mo. 24 mo. 36 mo.
iPad 11-inch (A16, 2025), Wi-Fi 128GB RM154 RM87 RM65
iPad 11-inch (A16, 2025), Wi-Fi 256GB RM192 RM109 RM81
iPad 11-inch (A16, 2025), Wi-Fi 512GB RM278 RM158 RM117
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 128GB RM221 RM125 RM93
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 256GB RM259 RM125 RM93
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 512GB RM345 RM195 RM145
iPad Air 11-inch (M3, 2025), Wi-Fi 128GB RM269 RM152 RM113
iPad Air 11-inch (M3, 2025), Wi-Fi 256GB RM307 RM174 RM129
iPad Air 11-inch (M3, 2025), Wi-Fi 512GB RM393 RM223 RM166
iPad Air 11-inch (M3, 2025), Wi-Fi 1TB RM480 RM271 RM202
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 128GB RM336 RM190 RM141
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 256GB RM374 RM212 RM158
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 512GB RM460 RM260 RM194
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 1TB RM547 RM309 RM230
iPad Air 13-inch (M3, 2025), Wi-Fi 128GB RM355 RM201 RM149
iPad Air 13-inch (M3, 2025), Wi-Fi 256GB RM393 RM223 RM166
iPad Air 13-inch (M3, 2025), Wi-Fi 512GB RM480 RM271 RM202
iPad Air 13-inch (M3, 2025), Wi-Fi 1TB RM566 RM320 RM238
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 128GB RM422 RM239 RM178
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 256GB RM460 RM260 RM194
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 512GB RM547 RM309 RM230
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 1TB RM633 RM358 RM266
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 128GB RM211 RM120 RM89
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 256GB RM250 RM141 RM105
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 512GB RM336 RM190 RM141
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 128GB RM278 RM158 RM117
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 256GB RM317 RM179 RM133
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 512GB RM403 RM228 RM170
Model Size 12 mo. 24 mo. 36 mo.
Apple Watch Ultra 2, GPS + Cellular 49mm RM365 RM206 RM154
Apple Watch Series 10, GPS | Aluminium Case 42mm RM173 RM98 RM73
Apple Watch Series 10, GPS | Aluminium Case 46mm RM187 RM106 RM79
Apple Watch Series 10, GPS + Cellular | Aluminium Case 42mm RM221 RM125 RM93
Apple Watch Series 10, GPS + Cellular | Aluminium Case 46mm RM235 RM133 RM99
Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band 42mm RM317 RM179 RM133
Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band 46mm RM341 RM193 RM143
Apple Watch SE, GPS | Aluminium Case 40mm RM96 RM55 RM41
Apple Watch SE, GPS | Aluminium Case 44mm RM111 RM63 RM47
Apple Watch SE, GPS + Cellular | Aluminium Case 40mm RM120 RM68 RM51
Apple Watch SE, GPS + Cellular | Aluminium Case 44mm RM135 RM76 RM57
Model 12 mo. 24 mo. 36 mo.
MacBook Air 13-inch (M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD) RM432 RM244 RM182
MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) RM513 RM290 RM216
MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) RM595 RM336 RM250
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 256GB SSD) RM527 RM298 RM222
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) RM609 RM344 RM256
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) RM690 RM390 RM290
MacBook Pro 14-inch (M4 Pro chip, 24GB, 512GB SSD) RM815 RM461 RM343
MacBook Pro 14-inch (M4 Pro chip, 24GB, 1TB SSD) RM1,007 RM569 RM423
MacBook Pro 14-inch (M4 Max chip, 36GB, 1TB SSD) RM1,342 RM759 RM564
MacBook Pro 16-inch (M4 Pro chip, 24GB, 512GB SSD) RM1,055 RM596 RM444
MacBook Pro 16-inch (M4 Pro chip, 48GB, 512GB SSD) RM1,217 RM688 RM512
MacBook Pro 16-inch (M4 Max chip, 36GB, 1TB SSD) RM1,467 RM829 RM617
MacBook Pro 16-inch (M4 Max chip, 48GB, 1TB SSD) RM1,677 RM948 RM705
Mac mini (M4 chip, 16GB, 256GB SSD) RM240 RM136 RM101
Mac mini (M4 chip, 16GB, 512GB SSD) RM321 RM182 RM135
Mac mini (M4 chip, 24GB, 512GB SSD) RM403 RM228 RM170
Mac mini (M4 Pro chip, 24GB, 512GB SSD) RM575 RM325 RM242
iMac 24-inch, Standard Glass (M4 chip, Two ports, 16GB, 256GB SSD) RM556 RM315 RM234
iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 256GB SSD) RM642 RM363 RM270
iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 512GB SSD) RM724 RM409 RM305
iMac 24-inch, Standard Glass (M4 chip, Four ports, 24GB, 512GB SSD) RM805 RM455 RM339
iMac 24-inch, Nano-Texture Glass (M4 chip, Four ports, 16GB, 256GB SSD) RM724 RM409 RM305
Mac Studio (M4 Max chip, 36GB, 512GB SSD) RM863 RM488 RM363
Mac Studio (M3 Ultra chip, 96GB, 1TB SSD) RM1,725 RM975 RM725

Frequently Asked Question

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.