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For more info on Enterprise plans, kindly contact us OR locate an Enterprise Business Partner

U MicroCredit

U MicroCredit is an easy payment scheme that allows you to own your dream device through fixed monthly repayments without a credit card.

U Mobile’s financing partners are:

You must be a Malaysian citizen aged 18 years old and above with a minimum monthly income of RM900.

You can do so by applying online through www.u.com.my/umicrocredit OR
by applying through U Mobile Stores or U Mobile Premium dealers.

JCL Credit Leasing Sdn. Bhd. repayments can be made via these payment channels:

  1. MEPS Autodebit (Charged by CIMB Bank Berhad). Autodebit eligible banks include:
    1. CIMB Bank Berhad
    2. Bank Islam Malaysia Berhad
    3. Bank Kerjasama Rakyat Malaysia Berhad
    4. Citibank Berhad
    5. Hong Leong Bank Berhad
    6. HSBC
    7. Bank Malaysia Berhad
    8. Malayan Banking Berhad
    9. OCBC Bank Malaysia Berhad
    10. Public Bank Berhad
    11. RHB Bank Berhad
    12. Standard Chartered Bank Malaysia Berhad
    13. J.P Morgan Chase Bank Berhad
    14. Bank of America Merrill Lynch
  2. JCL Service Centres
  3. Self Service Terminal
    1. Automated Teller Machine-ATM (CIMB Bank )
    2. Cash Deposit Machine-CDM (CIMB Bank)
    3. Cheque Deposit Terminal-CDT (CIMB Bank)
  4. Counter Payment
    1. CIMB Bank
  5. Payment via Internet Banking (CIMB Bank)
  6. Payment by cheque to “JCL Credit Leasing Sdn Bhd”.
  7. Financial Institution / Banks
    Interbank Bank Giro (IBG) / Internet
    Bank Counters (Participating Banks under MEPS)
Please indicate:
Beneficiary Bank: CIMB
Account No.
**Remarks: [JCL - UMC Agreement Number] + [Your name per I/C]

Upon approval of your application, you will be charged RM80 for agreement fee + RM4.80 for GST on the agreement fee. These charges are included in your financing amount.

Full or Partial Financing Amount Agreement Fee + GST on the agreement Fee = RM80 + RM 4.80 (included in Financing)

Yes, you can. All you need to do is call your credit service provider and they will assist you with the early settlement of your U MicroCredit:

  • AEON Credit Customer Service
    • Contact Number: +603-2719 9999
    • Availability: 24/7
  • JCL Credit Leasing Customer Service
    • Contact Number: 1800-222-525
    • Availability: Mondays to Fridays (9AM – 7PM), Saturdays (9AM – 6PM)

You can choose from tenures of 12, 24, 30, or 36 months.

  1. Photocopy of NRIC (Certified True Copy by U Merchant).
  2. Proof of Income (Photocopy Certified True Copy by U Merchant).
    1. Employed:
      1. Latest 1 month salary slip
      2. Bank statement showing name AND account number from banks listed below
        • Malayan Banking Berhad
        • AmBank (M) berhad
        • CIMB Bank Berhad
        • Bank Muamalat Malaysia Berhad
        • Alliance Bank Malaysia Berhad
        • Public Bank Berhad
        • RHB Bank Berhad
        • Standard Chartered Bank

      3. Employee Provident Fund (EPF) showing latest 3 months transaction OR bank account showing salary income
    2. Self Employed:
      1. Business Registration Form
      2. Tax Payment Receipt OR bank statement showing 6 months business transaction

    No. You do not need to provide a guarantor or any collateral to apply for U MicroCredit. You just need to provide one (1) emergency contact (individual who is not staying with you) in the application form.