Phone Installment Plans

We offer JCL Credit Leasing installment plans. Choose the plan that suits your budget.

Quick answer

At AnsuranPhone you can buy a phone on monthly installment without a credit card. Plans are financed by JCL Credit Leasing (KPKT-licensed); Malaysian citizens working in Peninsular Malaysia apply on WhatsApp with their IC and latest payslip. Tenures are 12, 24 or 36 months, from RM21/month (iPhone from RM98/month), and approval takes about 3 working days.

Credit card: Not needed
Documents: IC (front & back) + latest 1-month payslip
Who can apply: Malaysian citizens (blue IC), stable job ≥ 3 months, Peninsular Malaysia
Tenure: 12, 24 or 36 months
Monthly from: RM21 · iPhone from RM98
Approval: About 3 working days
Financier: JCL Credit Leasing Sdn. Bhd. (KPKT licence WL3960/14/01)
Phones listed: 251 models

Prices updated 14 Nov 2026

Browse Installment Plans by Brand

iPhone Installment Plan →(All iPhone models)Samsung Installment Plan →(All Samsung models)OPPO Installment Plan →(All OPPO models)

How to Apply

Choose Phone

Select your dream phone

WhatsApp Us

Submit Documents

Prepare IC and payslip

Collect Phone

Approved — collect at a branch or receive it by courier

Documents Needed To Apply

Basic Salary

•IC Copy (Front & Back)
•Latest 1 month payslip

Commission Salary

•IC Copy (Front & Back)
•Latest 1 month payslip
•Latest 3 months bank statement (Proof of salary credited)

Self-Employed

•Owner IC Copy (Front & Back)
•Latest 6 months company bank statement
•Latest 3 months owner's bank statement
•SSM – 3 pages (business registered at least 6 months)
•Tax declaration or receipt (if any)

University student?

You can apply for the University Student Plan — no payslip, no guarantor.

View Student Plan →

Eligible Applicants

✓Malaysian citizen (Blue IC only)
✓Stable employment (At least 3 months)
✓All compulsory documents provided

Not Eligible

✕Under 18 years old
✕Foreigners
✕Part-time / Daily-paid jobs / Interns
✕Rider-based jobs (Grab/FoodPanda)
✕Military personnel
✕Red IC holders

Monthly installment for popular phones

Model	12 months	24 months	36 months
iPhone 17	RM477	RM269	RM200
iPhone 17 Pro	RM525	RM296	RM220
iPhone 17 Pro Max	RM573	RM324	RM240
iPhone 18 Pro Max	RM717	RM405	RM301
iPhone 16	RM419	RM237	RM176
Apple iPhone 13	RM234	RM132	RM98
Samsung Galaxy S26 Ultra 5G	RM568	RM321	RM238
Samsung Galaxy A57 5G	RM327	RM185	RM137
Samsung Galaxy A17 5G	RM173	RM98	RM73
Redmi Note 17 5G	RM130	RM73	RM55
Redmi Note 17 Pro 5G	RM188	RM106	RM79
OPPO Reno 15 5G	RM234	RM132	RM98
OPPO A7 Pro 5G	RM207	RM117	RM87
Vivo V70 5G	RM255	RM144	RM107
Honor 400 5G	RM217	RM122	RM91
Huawei Nova 14	RM226	RM128	RM95

Lowest storage option, monthly from. Tap a model for every storage and colour.

Available Phones

Installment plans by model

All Samsung (29)

All Vivo (25)

All Oppo (23)

All Honor (22)

All Poco (21)

All Realme (18)

All Apple (14)

All Infinix (14)

All Nubia (14)

All Redmi (12)

All Huawei (11)

All Tecno (10)

All Nothing (8)

All Google (7)

All iQOO (7)

All Xiaomi (7)

All RedMagic (5)

All ZTE (3)

All Meizu (1)

Meizu 21 5G

Frequently Asked Questions

Do I need a credit card to apply for a phone installment?

No. The documents required are only those listed on this page (IC and proof of income) — a credit card is not one of them.

What documents do I need to apply?

Basic Salary: IC Copy (Front & Back); Latest 1 month payslip. Commission Salary: IC Copy (Front & Back); Latest 1 month payslip; Latest 3 months bank statement (Proof of salary credited). Self-Employed: Owner IC Copy (Front & Back); Latest 6 months company bank statement; Latest 3 months owner's bank statement; SSM – 3 pages (business registered at least 6 months); Tax declaration or receipt (if any).

Who is eligible to apply?

Malaysian citizen (Blue IC only); Stable employment (At least 3 months); All compulsory documents provided.

Who is not eligible?

Under 18 years old; Foreigners; Part-time / Daily-paid jobs / Interns; Rider-based jobs (Grab/FoodPanda); Military personnel; Red IC holders.

How long does approval take and how do I collect the phone?

Approval takes about 3 working days; Verification will take 3 days after compulsory documents are provided; After verification is successful, sign the agreement at a branch — or, elsewhere in Peninsular Malaysia, we post it to you to sign and return; Once the agreement is signed, you can collect your phone (or we ship it to you if you're outside the Klang Valley).

Can university students apply?

You can apply for the University Student Plan — no payslip, no guarantor.

Where can I buy a phone on monthly installment in Malaysia?

Apply online on WhatsApp (+6010-325 1033) from anywhere in Peninsular Malaysia; once approved, the phone is couriered to you. If you prefer to come in person, our parent company SPR has 16 retail stores in the Klang Valley (Kuala Lumpur, Selangor and Putrajaya) where you can sign the agreement and collect the phone.

Is the installment financier licensed?

Yes. Plans are financed by JCL Credit Leasing Sdn. Bhd., which KPKT (the Ministry of Local Government Development) lists among moneylenders approved to operate online, licence no. WL3960/14/01 (list dated 3 June 2026).

What installment tenures are available?

12, 24 or 36 months, all financed by JCL Credit Leasing. Monthly payments start from RM21 on the 36-month plan.

How much is an iPhone per month on installment?

iPhone starts from RM98/month (36 months); for example iPhone 17 from RM200, iPhone 17 Pro Max from RM240/month. Each model page shows the current monthly amount for every storage option.

Can I apply from Sabah or Sarawak?

Not at the moment — applications are open to applicants in Peninsular Malaysia only.

Check Your Eligibility Now

Chat with us on WhatsApp — check eligibility, confirm documents, and pick your phone faster.

Check Eligibility on WhatsApp