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What is U MicroCredit (UMC)?
U MicroCredit is an easy payment scheme that allows you to own your dream device through fixed monthly repayments without a credit card.
Who are U Mobile’s Financing Partners?
U Mobile’s financing partners are:
  • AEON Credit (https://www.aeoncredit.com.my/)
  • JCL Credit Leasing (https://www.jcl.my/)
How many repayments do I have to make?
You can choose from tenures of 12, 24, 30, or 36 months.
What are the minimum requirements to apply for U MicroCredit?
You must be a Malaysian citizen aged 18 years old and above with a minimum monthly income of RM900.
What are the documents required for submission?
  1. Photocopy of NRIC (Certified True Copy by U Merchant).
  2. Proof of Income (Photocopy Certified True Copy by U Merchant).
    1. Employed:
      1. Latest 1 month salary slip
      2. Bank statement showing name, account number and I/C No (for autodebit purposes)
      3. Employee Provident Fund (EPF) showing latest 3 months transaction OR bank account showing salary income
    2. Self Employed:
      1. Business Registration Form
      2. Tax Payment Receipt OR bank statement showing 6 months business transaction
Do I need to provide a guarantor or any collateral to apply for U MicroCredit?
No. You do not need to provide a guarantor or any collateral to apply for U MicroCredit. You just need to provide one (1) emergency contact (individual who is not staying with you) in the application form.
How can I apply for U MicroCredit?
You can do so by applying online through www.u.com.my/umicrocredit OR
by applying through U Mobile Stores or U Mobile Premium dealers.
What is the interest rate that I will be entitled to?
You can refer to the www.u.com.my/umicrocredit for the reference table on the fixed interest rate.
How do I remit payment for U MicroCredit (for AEON Credit)?
AEON Credit Service (M) Berhad repayments can be made via these payment channels:
  1. Autodebit (Customers are require to fill up the auto-debit form at U-Mobile counter) :
    1. Malayan Banking Berhad
    2. AmBank (M) Berhad
    3. CIMB Bank Berhad
    4. Bank Mualamat Malaysia Berhad
    5. Standard Chartered Bank Berhad
    6. Alliance Bank Berhad
    7. Public Bank Berhad
    8. RHB Bank Berhad
    9. Bank Simpanan Nasional
  2. AEON Service Center
    1. AEON Credit Branches - Operation hours: Monday – Saturday from 9am till 6pm. Every Last Sunday of the month: 10am till 6pm. Closed on public holidays.
    2. AEON Counter Service Center at Shopping Complexes
  3. Self Service Terminal
    1. Automated Teller Machine-ATM (CIMB Bank , AMBANK, Alliance Bank, Bank Simpanan Nasional & Public Bank)
    2. Cash Deposit Machine-CDM (Malayan Banking Berhad, CIMB Bank, Public Bank & Alliance Bank)
    3. Cheque Deposit Terminal-CDT (Public Bank & Alliance Bank)
  4. Counter Payment
    1. POS Malaysia
    2. Bank Simpanan Nasional
    3. CIMB Islamic Bank
  5. Payment via Internet Banking (Malayan Banking Berhad, Ambank, CIMB Bank, Public Bank, Alliance Bank, BSN & Pos Online)
  6. Payment by cheque to “AEON Credit Service (M) Berhad”.
  7. Financial Institution / Banks
    Interbank Bank Giro (IBG) / Internet
    Bank Counters (Participating Banks under MEPS)
Please indicate:
Beneficiary Name: AEON Credit for [Your name per I/C]
Beneficiary Bank: Citibank
Account No.
For Easy payment: [789] followed by [Your 12 digit agreement number]
Internet Funds Transfer (All Banks under MEPS GIRO)
How do I remit payment for U MicroCredit (for JCL)?
JCL Credit Leasing Sdn. Bhd. repayments can be made via these payment channels:
  1. MEPS Autodebit (Charged by CIMB Bank Berhad). Autodebit eligible banks include:
    1. CIMB Bank Berhad
    2. Bank Islam Malaysia Berhad
    3. Bank Kerjasama Rakyat Malaysia Berhad
    4. Citibank Berhad
    5. Hong Leong Bank Berhad
    6. HSBC
    7. Bank Malaysia Berhad
    8. Malayan Banking Berhad
    9. OCBC Bank Malaysia Berhad
    10. Public Bank Berhad
    11. RHB Bank Berhad
    12. Standard Chartered Bank Malaysia Berhad
    13. J.P Morgan Chase Bank Berhad
    14. Bank of America Merrill Lynch
  2. JCL Service Centres
  3. Self Service Terminal
    1. Automated Teller Machine-ATM (CIMB Bank )
    2. Cash Deposit Machine-CDM (CIMB Bank)
    3. Cheque Deposit Terminal-CDT (CIMB Bank)
  4. Counter Payment
    1. CIMB Bank
  5. Payment via Internet Banking (CIMB Bank)
  6. Payment by cheque to “JCL Credit Leasing Sdn Bhd”.
  7. Financial Institution / Banks
    Interbank Bank Giro (IBG) / Internet
    Bank Counters (Participating Banks under MEPS)
Please indicate:
Beneficiary Name: JCL CREDIT LEASING SDN BHD
Beneficiary Bank: CIMB
Account No.
**Remarks: [JCL - UMC Agreement Number] + [Your name per I/C]

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