Guide
What Is Phone Installment? Who Provides Financing? How Much Do I Pay? Requirements Documents Needed Step by Step First-Timer FAQ Any deposit? Need credit card? Are phones secondhand?
First-Time Buyer Guide — Phone Installment in Malaysia
By AnsuranPhone• 23 March 2026
First time doing phone installment and don't know where to start? This guide covers everything from A to Z.
Phone installment means paying the phone price monthly instead of lump sum. Example: RM3,000 phone = RM100/month for 36 months. You get the phone first, pay later.
At AnsuranPhone, financing is by JCL Credit Leasing — a licensed finance company.
Depends on phone price and tenure (12, 24, or 36 months). Example for Samsung Galaxy S25:
- 12 months: ~RM420/month
- 24 months: ~RM225/month
- 36 months: ~RM161/month
- Malaysian citizen with Blue IC
- Age 18+
- Minimum salary RM1,200/month
- At least 3 months at current job
- IC copy (front & back)
- Latest payslip (1 month)
- Self-employed: IC + company bank statement (6 months) + personal bank statement (3 months) + SSM
- Browse ansuranphone.com and choose your phone
- WhatsApp +6018-3954559
- Submit IC and payslip photos
- Wait for JCL approval (~7 working days)
- Visit branch to sign agreement
- Take home your new phone!
No. All installments at AnsuranPhone are 0 deposit.
No. JCL installment does not require a credit card.
No. All phones are 100% new and original with manufacturer warranty.
Don't be afraid to try — thousands of Malaysians have gotten their dream phone through AnsuranPhone. You can too! WhatsApp +6018-3954559.
