How to Apply for Phone Installment Without Credit Card 2026

You can apply for a phone installment without a credit card in 2026 through JCL Credit Leasing — you only need your MyKad and pay slip. The application process starts with an eligibility check via WhatsApp, followed by document submission, and approval in about 3 working days. Payment terms of 12, 24, or 36 months with 0 deposit.

Want the latest smartphone but don't have a credit card? No worries — you can get a phone on installment without a credit card through JCL Credit Leasing. This guide covers everything you need to know.

What Is Phone Installment Without Credit Card?

Phone installment without credit card is a service where you can purchase a smartphone and pay monthly without needing a credit card. At AnsuranPhone, we partner with JCL Credit Leasing as our finance partner.

Eligibility Requirements

Malaysian citizen (Blue IC only)
Age 18 and above
Stable employment (minimum 3 months)
No minimum income requirement

Required Documents

Fixed Salary

IC copy (front & back)
Latest payslip (1 month)

Commission-Based Salary

IC copy (front & back)
Latest payslip (1 month)
3-month bank statement

Self-Employed

Owner IC copy
6-month company bank statement
3-month owner bank statement
SSM — 3 pages

Application Steps

Choose your dream phone at AnsuranPhone.my or contact us via WhatsApp.
Submit required documents via WhatsApp to +60103251033.
Wait for JCL Credit Leasing approval (approximately 3 working days).
After approval, sign at a branch (Klang Valley) or fully online (rest of Peninsular Malaysia).
Receive your phone and start paying monthly installments!

Available Plans

12 Months — Shorter tenure, higher monthly payment
24 Months — Most popular, balanced payment
36 Months — Longest tenure, lowest monthly payment

All plans are 0 deposit. Monthly payments depend on the phone model chosen, so see the latest monthly price on each product page.

Conclusion

Applying for phone installment without credit card is now easier than ever. Contact us via WhatsApp at +60103251033 to check your eligibility today!