Name: Used iPhone 12
Brand: Apple
Price: 1220 MYR
Availability: InStock

Question 1

What warranty does the iPhone 12 come with?

Accepted Answer

All used iPhones and Apple Watches sold by AnsuranPhone come with a 3-month limited warranty covering battery and major hardware failures. Cracked screens, water damage, and accidental damage are not covered.

Question 2

What is Direct Lending and how does it differ from JCL?

Accepted Answer

Direct Lending (DL) is our installment partner for used devices. Tenures available: 3/6/9/12 months, no credit card required — just your IC and a recent pay slip. JCL Credit Leasing is for new phones with 12/24/36-month tenures. Both have similar requirements, but DL fits short-term, smaller-budget plans better.

Question 3

Do I need a credit card for Direct Lending?

Accepted Answer

No. DL only requires a Malaysian IC plus a recent pay slip or bank statement. No credit card, RM0 deposit.

Question 4

How is the monthly installment for the iPhone 12 calculated?

Accepted Answer

DL monthly = retail price × (1 + total rate) ÷ tenure. Total rates: 3-month 3%, 6-month 7.5%, 9-month 12%, 12-month 16.5%. The first payment includes a RM30 wakalah fee (charged by DL). Confirm exact figures via WhatsApp +6010-3251033.

Question 5

How do I apply for AnsuranPhone used-phone installment?

Accepted Answer

Pick your storage and tenure on the product page, then tap the WhatsApp button to send us your IC (front + back) and a recent pay slip / bank statement. We reply with approval within 1–2 hours, then arrange in-store collection or nationwide shipping.

Term	Monthly
3 months	RM419
6 months	RM219
9 months	RM152
12 months	RM118

iPhone 12

Select Storage

Installment Plan

Direct Lending · Flexible Installment

Frequently Asked Questions