Live Outside the Klang Valley? How to Apply for a Phone Installment Online and Get It by Post

Short answer: Yes. If you live in Peninsular Malaysia but far from the Klang Valley — Johor, Penang, Perak, Kelantan, Terengganu, Pahang or any other state — you can apply for a phone installment fully online. Send your documents on WhatsApp, wait for JCL Credit Leasing to approve (about 3 working days after your documents are complete), sign the agreement we post to you, post it back, and the phone is couriered to your door. No need to visit a store.

Updated 8 November 2026.

Who is the postal route for?

It is for customers in Peninsular Malaysia outside the Klang Valley. Customers in KL, Selangor and Putrajaya usually collect their phone at one of the 16 SPR stores after approval.

For now, installment is not available in Sabah or Sarawak.

The basic requirements are the same in every state:

• Malaysian citizen (blue IC only), aged 18 or above
• Stable employment for at least 3 months
• No minimum income
• No credit card and no deposit needed

Not eligible: non-citizens, part-time / daily-paid jobs / interns, rider jobs (Grab / FoodPanda), military personnel and red IC holders. University students have a separate student plan with different conditions — ask us on WhatsApp whether it covers your area.

Step by step: from choosing a phone to receiving it

1. Choose a phone in the catalogue. Every model page shows the monthly amount for 12, 24 and 36 months.
2. WhatsApp us at +60 10-325 1033. Tell us the model, storage and tenure you want, and which state you live in.
3. Send your documents (list below) directly in WhatsApp.
4. Wait for approval. JCL Credit Leasing usually decides in about 3 working days once all compulsory documents are in.
5. Sign the agreement. After approval, the agreement is posted to your address. Read it, sign it and post it back.
6. Receive your phone. Once the signed agreement arrives, the phone is couriered to your address.

Delivery time depends on where you are — ask us on WhatsApp for an estimate for your area.

Documents to prepare

Take clear photos — all four corners of the IC visible, payslip text readable. Blurry photos are the most common reason an application slows down.

Is applying by post safe?

Three things you can check yourself before sending any documents:

• Licensed financier. The installment is financed by JCL Credit Leasing, a KPKT-licensed moneylender (licence WL3960/14/01). More on the JCL Credit Leasing page.
• A real company. AnsuranPhone is operated by SPR Communication Sdn Bhd (1194360-A), headquartered in Kepong, Kuala Lumpur, with 16 physical stores in the Klang Valley. See About us.
• No upfront "processing" payment. We do not ask for a deposit to process an application. If anyone asks you to pay first in our name, don't — check with the official WhatsApp number on this site.

Also read: 0-deposit phone installment — real or scam?

FAQ

I live in Johor Bahru / Ipoh / Kuantan. Is there an SPR store nearby? No — all 16 SPR stores are in the Klang Valley. That is why we run the postal route: same process, the agreement and the phone just travel by post and courier. See your area page: Johor Bahru, Ipoh, George Town, Kuantan, Kuala Terengganu, Kota Bharu, Melaka, Seremban, Alor Setar.

Is the monthly amount higher outside the Klang Valley? The monthly amount on each model page is the JCL installment for that model and tenure. Ask us on WhatsApp whether any delivery charge applies to your area before you agree.

If I'm rejected, do I pay anything? No. Applying needs no deposit. Read 5 common reasons applications are rejected and how to reapply.

How long does the whole process take? Approval takes about 3 working days after your documents are complete. After that it depends on how fast the agreement arrives, is signed and posted back, and on courier time to your area.

I'm in Sabah / Sarawak. Any other way? Not yet. Installment is only available in Peninsular Malaysia.

Ready? Pick a phone in our catalogue or read how installment works, then WhatsApp +60 10-325 1033.