1. What is Ansuran Mudah KL (AMKL)?

Ansuran Mudah KL (AMKL) is a Malaysian instalment service provider that helps eligible customers purchase smartphones, laptops, gaming consoles, tablets, drones and other electronic devices through affordable monthly instalment plans. Customers can apply online without using a credit card, subject to eligibility, document verification and approval.

2. How does AMKL work?

AMKL allows customers to apply for smartphone, laptop, drone, PS5 gaming console, furniture, electronic products and etc through an instalment payment plan. (Aeon credit, JCL credit, berjaya credit, iconic pay EX, Xanderia Capital, CoShare, 365 Capital) After submitting the required documents, our team reviews the application. Once approved, customers choose their preferred product and repayment tenure. Monthly payments are then made according to the agreed instalment schedule.

No. AMKL is not a bank. We specialise in providing instalment solutions for electronic products. Our application process is designed to be simple, fast and convenient for eligible customers.

4. Is it safe to apply online with AMKL?

Yes. AMKL takes customer privacy seriously and uses secure methods to collect and verify application information. Personal information is only used for application assessment and customer support in accordance with applicable privacy requirements.

5. Why should I choose AMKL?

Customers choose AMKL because we offer: Simple & FREE online application No credit card required Flexible monthly instalment options Wide selection of genuine electronic products Fast customer support Delivery available throughout Malaysia (subject to service availability)

6. Where is AMKL located?

AMKL is based in Block C, 6-2 Platinum Walk, No 2 Jalan Langkawi, 53300, Setapak Kuala Lumpur and we have despatch team who serves customers throughout whole Malaysia. Customers may contact us online or through WhatsApp for enquiries and application assistance.

7. Who can apply for instalment?

Malaysian citizens aged 18 years and above who meet AMKL's eligibility requirements may apply. Approval depends on factors such as employment status, income, supporting documents and internal assessment. Malaysian Working adults: 18- 50 years olds, work more than 3 months Business owner: SSM with 1 year validity Student kolej/ university: Coverage Kuala Lumpur Selangor only Government servants: Cover under koperasi plan

8. Can private sector employees apply?

Yes. Employees working in the private sector may apply if they meet the required employment and income criteria and provide the necessary supporting documents. IC copy+ 1 month payslip required.

9. Can government employees apply?

Yes. Government employees are welcome to apply. Supporting documents will be required during the application process, and approval is subject to assessment.

10. Can self-employed individuals apply?

Yes. Business owners, freelancers, online sellers and self-employed individuals may apply by providing documents that demonstrate their business income and operations.

11. Can Grab drivers or FoodPanda riders apply?

No. Gig economy workers such as Grab drivers, FoodPanda riders and delivery partners may need payslip to apply. Additional supporting documents relating to income may be requested during the assessment process.

12. Can university or college students apply?

Yes. Only Cover Kuala Lumpur and Selangor area. Eligible students 18-24 years old may apply for selected instalment plans. Depending on the package, additional requirements such as a guarantor or supporting documents may be required.

13. Can foreigners apply?

Eligibility only for Permanent residence who carrying RED IC. For non-Malaysian applicants depends on AMKL's current policies. Please contact our customer service team to discuss your situation before submitting an application.

14. What documents are required?

Required documents may include: MyKad NRIC 1 month Latest salary slips Bank statements Employment confirmation EPF or supporting income documents Additional documents depending on applicant category Document requirements may vary according to employment status.

15. Do I need a salary slip?

Salary slips are commonly requested for employed applicants. If you are self-employed or operate a business, alternative income documents may be accepted.

16. Can I use my EPF statement?

In certain situations, EPF statements may be accepted as part of the supporting documents. However, additional documents may still be required.

17. Do I need a guarantor?

Most applications do not require a guarantor. However, depending on the applicant's profile or selected package, a guarantor may occasionally be requested.

18. Do I need a credit card?

No. AMKL does not require applicants to own a credit card. Applications are assessed based on eligibility requirements and supporting documents.

19. How long does approval take?

Approval time varies from 3 days - 5 days depending on document completeness and verification. Applications with complete and accurate information are generally processed more quickly.

20. Can I apply completely online?

Yes. Customers can submit their application online without visiting our office. Our team will guide applicants through the required steps.

21. What happens after approval?

Once approved, customers confirm their chosen product and instalment package. Product preparation, payment arrangement and delivery or collection will then be organised.

22. Why was my application unsuccessful?

Applications are assessed based on several factors, including document verification, employment information, repayment ability and internal assessment criteria (CCRIS/CTOS). An unsuccessful application does not necessarily prevent future applications if circumstances improve.

23. What products can I buy through AMKL?

AMKL offers instalment plans for various smartphone/ laptop/ drone/ PS5/ electronic products, including: Apple iPhone Samsung smartphones OPPO vivo Xiaomi HONOR Huawei MacBook Windows laptops Gaming laptops Tablets iPads PlayStation 5 (PS5) Nintendo Switch DJI drones Smartwatches Selected accessories Product availability may change over time.

24. Are all products genuine?

Yes. AMKL supplies genuine products sourced through authorised channels or trusted suppliers. Manufacturer warranty applies where applicable.

25. Can I buy the latest iPhone?

Yes. Subject to availability, customers may apply for the latest Apple iPhone models through eligible instalment plans.

26. Can I buy a gaming laptop?

Yes. AMKL offers instalment plans for selected gaming laptops suitable for students, professionals and gamers.

27. Can I buy a PS5 through instalments?

Yes. Eligible customers may apply for PlayStation 5 instalment plans, including selected console bundles when available. Asus Rog/ MSI claw/ Nintendo Switch/ Lenovo Legion Go are all available.

28. Can I buy a DJI drone?

Yes. Selected DJI drones are available through instalment plans for photographers, content creators and business users. DJI pocket/ Osmo series all available.

29. How do I pay my monthly instalment?

Monthly instalments are paid according to the agreed payment arrangement. Customers will receive payment instructions during the onboarding process. All payment can be done via auto debit/ via apps.

30. Can I settle my instalment early?

Early settlement options may be available depending on your instalment agreement. Please contact AMKL customer support for assistance.

31. Are there any hidden charges?

AMKL believes in transparent pricing. Customers are informed of the payment schedule and applicable charges before confirming their instalment agreement.

32. What happens if I miss a payment?

Customers who experience payment difficulties should contact AMKL as soon as possible. Early communication allows our team to discuss suitable solutions where available. Penalty of late interests will be applied or triggered CTOS records.

33. Do you deliver throughout Malaysia?

Yes. AMKL provides delivery services to customers across Malaysia, subject to delivery coverage and logistics availability.

34. Can I collect my product myself?

Yes, you can walk in to our shop located in Setapak Kuala Lumpur to collect your products. Please confirm with our customer service team before visiting.

35. How long does delivery take?

Delivery time depends on product availability, approval completion and courier service schedules. Customers will be informed once their order is ready. Usually within 5- 7 days to completed the whole process.

36. Do the products come with a warranty?

Yes. Most products include the manufacturer's official warranty. Warranty duration depends on the product brand and model.

37. What should I do if my product is faulty?

If you receive a faulty product or experience hardware issues covered under warranty, please contact the brand service center directly. The warranty team will guide you through the warranty or service process.

38. Can I return my product?

Return is not eligibility, follow our applicable terms and conditions. Customers should inform AMKL promptly if there is an issue during customer checking the product.

39. Is my personal information protected?

Yes. Customer information is handled responsibly and used only for application processing, verification and customer support. AMKL is committed to protecting customer privacy.

40. Will my information be shared with other companies?

Customer information is only shared where necessary for application processing, verification or legal compliance. AMKL does not sell customer personal information.

41. How can I contact AMKL?

Customers can contact AMKL through WhatsApp, telephone, email or the enquiry form available on our official website. Our customer service team is ready to assist with product enquiries, applications and after-sales support.

42. Can I ask questions before applying?

Yes. We encourage customers to contact our team before submitting an application if they have any questions about eligibility, required documents, instalment plans or available products.

FAQ - Ansuran Mudah Kl

FAQ- Frequent Ask Questions

General Questions

1. What is Ansuran Mudah KL (AMKL)?
Ansuran Mudah KL (AMKL) is a Malaysian instalment service provider that helps eligible customers purchase smartphones, laptops, gaming consoles, tablets, drones and other electronic devices through affordable monthly instalment plans. Customers can apply online without using a credit card, subject to eligibility, document verification and approval.

2. How does AMKL work?
AMKL allows customers to apply for smartphone, laptop, drone, PS5 gaming console, furniture, electronic products and etc through an instalment payment plan. (Aeon credit, JCL credit, berjaya credit, iconic pay EX, Xanderia Capital, CoShare, 365 Capital)
After submitting the required documents, our team reviews the application. Once approved, customers choose their preferred product and repayment tenure. Monthly payments are then made according to the agreed instalment schedule.

3. Is AMKL a bank?
No. AMKL is not a bank. We specialise in providing instalment solutions for electronic products. Our application process is designed to be simple, fast and convenient for eligible customers.

4. Is it safe to apply online with AMKL?
Yes. AMKL takes customer privacy seriously and uses secure methods to collect and verify application information. Personal information is only used for application assessment and customer support in accordance with applicable privacy requirements.

5. Why should I choose AMKL?
Customers choose AMKL because we offer:
- Simple & FREE online application
- No credit card required
- Flexible monthly instalment options
- Wide selection of genuine electronic products
- Fast customer support
- Delivery available throughout Malaysia (subject to service availability)

6. Where is AMKL located?
AMKL is based in Block C, 6-2 Platinum Walk, No 2 Jalan Langkawi, 53300, Setapak Kuala Lumpur and we have despatch team who serves customers throughout whole Malaysia. Customers may contact us online or through WhatsApp for enquiries and application assistance.

Eligibility

7. Who can apply for instalment?
Malaysian citizens aged 18 years and above who meet AMKL's eligibility requirements may apply. Approval depends on factors such as employment status, income, supporting documents and internal assessment.
Malaysian Working adults: 18- 50 years olds, work more than 3 months
Business owner: SSM with 1 year validity
Student kolej/ university: Coverage Kuala Lumpur Selangor only
Government servants: Cover under koperasi plan

8. Can private sector employees apply?
Yes. Employees working in the private sector may apply if they meet the required employment and income criteria and provide the necessary supporting documents.
IC copy+ 1 month payslip required.

9. Can government employees apply?
Yes. Government employees are welcome to apply. Supporting documents will be required during the application process, and approval is subject to assessment.

10. Can self-employed individuals apply?
Yes. Business owners, freelancers, online sellers and self-employed individuals may apply by providing documents that demonstrate their business income and operations.

11. Can Grab drivers or FoodPanda riders apply?
No. Gig economy workers such as Grab drivers, FoodPanda riders and delivery partners may need payslip to apply. Additional supporting documents relating to income may be requested during the assessment process.

12. Can university or college students apply?
Yes. Only Cover Kuala Lumpur and Selangor area.
Eligible students 18-24 years old may apply for selected instalment plans. Depending on the package, additional requirements such as a guarantor or supporting documents may be required.

13. Can foreigners apply?
Eligibility only for Permanent residence who carrying RED IC.
For non-Malaysian applicants depends on AMKL's current policies. Please contact our customer service team to discuss your situation before submitting an application.

14. What documents are required?
Required documents may include:
- MyKad NRIC
- 1 month Latest salary slips
- Bank statements
- Employment confirmation
- EPF or supporting income documents
- Additional documents depending on applicant category
Document requirements may vary according to employment status.

15. Do I need a salary slip?
Salary slips are commonly requested for employed applicants. If you are self-employed or operate a business, alternative income documents may be accepted.

16. Can I use my EPF statement?
In certain situations, EPF statements may be accepted as part of the supporting documents. However, additional documents may still be required.

17. Do I need a guarantor?
Most applications do not require a guarantor. However, depending on the applicant's profile or selected package, a guarantor may occasionally be requested.

18. Do I need a credit card?
No. AMKL does not require applicants to own a credit card. Applications are assessed based on eligibility requirements and supporting documents.

Application & Approval

19. How long does approval take?
Approval time varies from 3 days - 5 days depending on document completeness and verification. Applications with complete and accurate information are generally processed more quickly.

20. Can I apply completely online?
Yes. Customers can submit their application online without visiting our office. Our team will guide applicants through the required steps.

21. What happens after approval?
Once approved, customers confirm their chosen product and instalment package. Product preparation, payment arrangement and delivery or collection will then be organised.

22. Why was my application unsuccessful?
Applications are assessed based on several factors, including document verification, employment information, repayment ability and internal assessment criteria (CCRIS/CTOS). An unsuccessful application does not necessarily prevent future applications if circumstances improve.

Products

23. What products can I buy through AMKL?
AMKL offers instalment plans for various smartphone/ laptop/ drone/ PS5/ electronic products, including:
- Apple iPhone
- Samsung smartphones
- OPPO
- vivo
- Xiaomi
- HONOR
- Huawei
- MacBook
- Windows laptops
- Gaming laptops
- Tablets
- iPads
- PlayStation 5 (PS5)
- Nintendo Switch
- DJI drones
- Smartwatches
- Selected accessories
Product availability may change over time.

24. Are all products genuine?
Yes. AMKL supplies genuine products sourced through authorised channels or trusted suppliers. Manufacturer warranty applies where applicable.

25. Can I buy the latest iPhone?
Yes. Subject to availability, customers may apply for the latest Apple iPhone models through eligible instalment plans.

26. Can I buy a gaming laptop?
Yes. AMKL offers instalment plans for selected gaming laptops suitable for students, professionals and gamers.

27. Can I buy a PS5 through instalments?
Yes. Eligible customers may apply for PlayStation 5 instalment plans, including selected console bundles when available. Asus Rog/ MSI claw/ Nintendo Switch/ Lenovo Legion Go are all available.

28. Can I buy a DJI drone?
Yes. Selected DJI drones are available through instalment plans for photographers, content creators and business users.
DJI pocket/ Osmo series all available.

Payment

29. How do I pay my monthly instalment?
Monthly instalments are paid according to the agreed payment arrangement. Customers will receive payment instructions during the onboarding process.
All payment can be done via auto debit/ via apps.

30. Can I settle my instalment early?
Early settlement options may be available depending on your instalment agreement. Please contact AMKL customer support for assistance.

31. Are there any hidden charges?
AMKL believes in transparent pricing. Customers are informed of the payment schedule and applicable charges before confirming their instalment agreement.

32. What happens if I miss a payment?
Customers who experience payment difficulties should contact AMKL as soon as possible. Early communication allows our team to discuss suitable solutions where available. Penalty of late interests will be applied or triggered CTOS records.

Delivery

33. Do you deliver throughout Malaysia?
Yes. AMKL provides delivery services to customers across Malaysia, subject to delivery coverage and logistics availability.

34. Can I collect my product myself?
Yes, you can walk in to our shop located in Setapak Kuala Lumpur to collect your products. Please confirm with our customer service team before visiting.

35. How long does delivery take?
Delivery time depends on product availability, approval completion and courier service schedules. Customers will be informed once their order is ready. Usually within 5- 7 days to completed the whole process.

Warranty & Support

36. Do the products come with a warranty?
Yes. Most products include the manufacturer's official warranty. Warranty duration depends on the product brand and model.

37. What should I do if my product is faulty?
If you receive a faulty product or experience hardware issues covered under warranty, please contact the brand service center directly. The warranty team will guide you through the warranty or service process.

38. Can I return my product?
Return is not eligibility, follow our applicable terms and conditions. Customers should inform AMKL promptly if there is an issue during customer checking the product.

Privacy & Security

39. Is my personal information protected?
Yes. Customer information is handled responsibly and used only for application processing, verification and customer support. AMKL is committed to protecting customer privacy.

40. Will my information be shared with other companies?
Customer information is only shared where necessary for application processing, verification or legal compliance. AMKL does not sell customer personal information.

Contact & Support

41. How can I contact AMKL?
Customers can contact AMKL through WhatsApp, telephone, email or the enquiry form available on our official website. Our customer service team is ready to assist with product enquiries, applications and after-sales support.

42. Can I ask questions before applying?
Yes. We encourage customers to contact our team before submitting an application if they have any questions about eligibility, required documents, instalment plans or available products.