Frequently Asked Questions
Everything about phone installment Malaysia
Payslip only. No blacklist check. Approved as fast as 1 day.
How do I apply for a TMC installment?
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How do I apply for a TMC installment?
WhatsApp us and send your latest 1-month payslip + IC. We'll check your eligibility and process the application for you.
Do I need a deposit / down payment?
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Do I need a deposit / down payment?
No — zero deposit. Use the phone first; payment only starts from the second month.
Can I apply with CTOS / blacklist issues?
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Can I apply with CTOS / blacklist issues?
Most cases only need a stable payslip + IC; we don't run a full CTOS/CCRIS check. Even with some credit issues you can still try, and we have a Rent-to-Own option if needed.
How long does approval take?
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How long does approval take?
Usually within 1 working day once your documents are complete. It may take a little longer if there's an issue with your scoring / documents.
What documents do I need?
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What documents do I need?
Just your latest 1-month payslip + IC. (For commission-based income, a 3-month bank statement may be required.)
Can I choose 12 / 24 / 36 months?
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Can I choose 12 / 24 / 36 months?
Yes — we offer 12, 24 and 36-month plans. Pick the monthly installment that suits you best.
Which brands do you cover?
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Which brands do you cover?
We cover iPhone and Android — Samsung, Vivo, Xiaomi, Oppo, Realme, Huawei and more.
Where is TMC? Malaysia only?
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Where is TMC? Malaysia only?
Our shop is in Nilai, Negeri Sembilan. We serve all of Malaysia — WhatsApp + delivery + walk-in in Nilai.
Can I cancel after applying?
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Can I cancel after applying?
You can cancel before the process / agreement is completed. Once the procedure is done, it can't be cancelled — depending on the stage. Please confirm with our team.
Is TMC a legitimate company? SSM registered?
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Is TMC a legitimate company? SSM registered?
Yes. Thering Mobile Communication is SSM-registered (NS0160370-K) in Nilai, Negeri Sembilan, and authorized via JCL Credit Leasing. You're welcome to walk in to our store.