Personal financing services with low requirements and flexible repayments.

Benefits & Features

• Fast Approval (even on Sunday!)
• High Financing Amount up to RM100,000
• Low Interest Rates
• Low Requirements
• Flexible Repayment Tenure up to 7 years
• Simple Document Requirements
• No guarantor and collateral required
• Shariah-compliant (Bai Al-Inah)

Interest Rates

RM1,000 to RM10,000

• Aeon Credit cardholders: 1.20% per month
• Aeon Express cardholders: 1.20% per month
• Non-Aeon cardholders: 1.50% per month

RM10,001 to RM100,000

• Aeon Credit cardholders: 0.80% per month
• Aeon Express cardholders: 0.84% per month
• Non-Aeon cardholders: 0.84% per month

Eligibility

• Malaysian
• 18 years old and above
• Minimum income of RM1,500

Documents Required

Employed:

• NRIC
• Latest 3-month payslip or latest EPF statement
• Latest 3-month bank statement of salary crediting account
• Bank statement
• Latest Form BE and tax payment receipt (optional)

Self-Employed:

• NRIC
• Company Business Registration Certificant
• Latest 6-month company bank statement
• Latest bank statement
• Latest Form BE/E form & tax payment receipt

Fees and Charges

• Processing fee:
  • 4% for financing amount between RM1,000 to Rm10,000
  • 2% for financing amount between RM10,100 to RM100,000
  • Capped at RM400

Aeon Credit Service is a financial service company that’s part of the Aeon group, that’s better known for their Aeon departmental stores and supermarket. Aeon Credit Service primarily provides credit cards and personal loans.