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

Apply Now

Step 2 - Assessment

JCL will conduct a verification and credit assessment.

You will receive a call from JCL within the same day, so please ensure your phone is available to complete the verification process.

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 RM211 RM120 RM89
iPhone 14 256GB RM259 RM147 RM109
iPhone 13 128GB RM182 RM103 RM77
Model Capacity 12 mo. 24 mo. 36 mo.
iPad 11-inch (A16, 2025), Wi-Fi 128GB RM131 RM74 RM55
iPad 11-inch (A16, 2025), Wi-Fi 256GB RM169 RM96 RM71
iPad 11-inch (A16, 2025), Wi-Fi 512GB RM255 RM145 RM108
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 128GB RM198 RM112 RM83
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 256GB RM236 RM134 RM100
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 512GB RM322 RM182 RM136
iPad Air 11-inch (M3, 2025), Wi-Fi 128GB RM202 RM114 RM85
iPad Air 11-inch (M3, 2025), Wi-Fi 256GB RM240 RM136 RM101
iPad Air 11-inch (M3, 2025), Wi-Fi 512GB RM326 RM185 RM137
iPad Air 11-inch (M3, 2025), Wi-Fi 1TB RM412 RM233 RM174
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 128GB RM269 RM152 RM113
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 256GB RM307 RM174 RM129
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 512GB RM393 RM223 RM166
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 1TB RM480 RM271 RM202
iPad Air 13-inch (M3, 2025), Wi-Fi 128GB RM288 RM163 RM121
iPad Air 13-inch (M3, 2025), Wi-Fi 256GB RM326 RM185 RM137
iPad Air 13-inch (M3, 2025), Wi-Fi 512GB RM412 RM233 RM174
iPad Air 13-inch (M3, 2025), Wi-Fi 1TB RM499 RM282 RM210
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 128GB RM355 RM201 RM149
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 256GB RM393 RM223 RM166
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 512GB RM480 RM271 RM202
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 1TB RM566 RM320 RM238
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 128GB RM173 RM98 RM73
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 256GB RM211 RM120 RM89
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 512GB RM297 RM168 RM125
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 128GB RM240 RM136 RM101
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 256GB RM278 RM158 RM117
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 512GB RM365 RM206 RM154
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 256GB RM432 RM244 RM182
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 512GB RM518 RM293 RM218
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 1TB RM690 RM390 RM290
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 2TB RM863 RM488 RM363
iPad Pro 11-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 1TB RM729 RM412 RM307
iPad Pro 11-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 2TB RM901 RM510 RM379
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 256GB RM518 RM293 RM218
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 512GB RM604 RM342 RM254
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 1TB RM777 RM439 RM327
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 2TB RM949 RM537 RM399
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 1TB RM815 RM461 RM343
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 2TB RM987 RM558 RM415
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 256GB RM556 RM315 RM234
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 512GB RM642 RM363 RM270
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 1TB RM815 RM461 RM343
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 2TB RM987 RM558 RM415
iPad Pro 13-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 1TB RM853 RM483 RM359
iPad Pro 13-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 2TB RM1,026 RM580 RM431
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 256GB RM642 RM363 RM270
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 512GB RM729 RM412 RM307
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 1TB RM901 RM510 RM379
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 2TB RM1,074 RM607 RM452
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 1TB RM940 RM531 RM395
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 2TB RM1,112 RM629 RM468
Model Size 12 mo. 24 mo. 36 mo.
Apple Watch SE 3, GPS | Aluminium Case 40mm RM101 RM57 RM43
Apple Watch SE 3, GPS | Aluminium Case 44mm RM115 RM65 RM49
Apple Watch SE 3, GPS + Cellular | Aluminium Case 40mm RM125 RM71 RM53
Apple Watch SE 3, GPS + Cellular | Aluminium Case 44mm RM139 RM79 RM59
Apple Watch Series 11, GPS | Aluminium Case 42mm RM173 RM98 RM73
Apple Watch Series 11, GPS | Aluminium Case 46mm RM187 RM106 RM79
Apple Watch Series 11, GPS + Cellular | Aluminium Case 42mm RM221 RM125 RM93
Apple Watch Series 11, GPS + Cellular | Aluminium Case 46mm RM235 RM133 RM99
Apple Watch Series 11, GPS + Cellular | Titanium Case, Sport Band 42mm RM317 RM179 RM133
Apple Watch Series 11, GPS + Cellular | Titanium Case, Sport Band 46mm RM341 RM193 RM143
Apple Watch Series 11, GPS + Cellular | Titanium Case, Milanese Loop 42mm RM341 RM193 RM143
Apple Watch Series 11, GPS + Cellular | Titanium Case, Milanese Loop 46mm RM365 RM206 RM154
Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Alpine Loop 49mm RM355 RM201 RM149
Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Ocean Band 49mm RM355 RM201 RM149
Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Trail Loop 49mm RM355 RM201 RM149
Apple Watch Ultra 3, GPS + Cellular | Titanium Case, Milanese Loop 49mm RM403 RM228 RM170
Model 12 mo. 24 mo. 36 mo.
MacBook Air 13-inch (M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD) RM389 RM220 RM164
MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) RM470 RM266 RM198
MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) RM551 RM312 RM232
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 256GB SSD) RM456 RM258 RM192
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) RM537 RM304 RM226
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) RM619 RM350 RM260
MacBook Pro 14-inch (M5 chip, 16GB, 512GB SSD) RM671 RM380 RM282
MacBook Pro 14-inch (M5 chip, 16GB, 1TB SSD) RM753 RM426 RM317
MacBook Pro 14-inch (M5 chip, 24GB, 1TB SSD) RM834 RM472 RM351
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.