JF Credit

For those in urgent need of funds, the JF Credit Loan App offers a streamlined process for obtaining quick and automatic cash loans without collateral, requiring only a mobile phone. The application process is straightforward; within three minutes, you can submit your application and receive the funds. Our repayment processes can also be managed via mobile to enhance convenience for our customers. However, it is important to note that individuals listed as defaulters with any bank or money lender are not eligible for our services.

Our pride and mission lie in providing personalized service, distancing ourselves from traditional banking experiences. We endeavor to guide our clients through every detail in a friendly and accessible manner. The JF Credit application has been designed for ease of use, allowing users to apply for loans and receive funds in less than three minutes. Our loan services are more user-friendly than one might expect, as we conduct extensive comparisons among lenders, loan types, and interest rates on the market to save you the effort.

The loans we offer are aimed at assisting you during emergencies when money is desperately needed but unavailable. Whether it’s for a wedding, purchasing a vehicle, facing unfortunate events such as an accident, or settling debts that cannot wait, we stand ready to support you.

Some rules to consider include:

• The minimum repayment period is 3 months, while the maximum period is 24 months.
• We apply an APR (annual percentage rate) capped at 18%.
• A processing fee of 10% of the loan amount is deducted, which includes stamp duties and legal charges.

To illustrate:

If you borrow RM 3,000 for a repayment period of 6 months, the fee will be charged at 1.5% (monthly) or 18% (annually) of the total loan amount, along with a processing fee and other legal fees totaling RM 150.

This means: RM 3,000 x 1.5% (monthly interest) x 6 (installments) equals RM 270. Thus, if you borrow RM 3,000, your total repayment would amount to RM 3,420 (which includes RM 150 processing fee). For monthly installments, this translates to RM 3,420 divided by 6 months, resulting in approximately RM 570 per month.